Entrepreneur

Terms and Conditions as a Legal Part of the Client Agreement by Product

: 2023 – 2019

General Business Conditions in wording valid from 16 May 2020 to 31 December 2023
PDF (221 KB)

General Business Conditions in wording valid from January, 1 2019 till May, 15 2020
PDF (232 KB)

2023 – 2019
General Business Conditions in wording valid from 16 May 2020 to 31 December 2023	PDF (221 KB)
General Business Conditions in wording valid from January, 1 2019 till May, 15 2020	PDF (232 KB)

2023 – 2019
General Business Conditions in wording valid from 16 May 2020 to 31 December 2023	PDF (221 KB)
General Business Conditions in wording valid from January, 1 2019 till May, 15 2020	PDF (232 KB)

: Product-specific Business Conditions for Deposit Products valid from October, 01 2021 till March, 31 2023
PDF (322 KB)

Product-specific Business Conditions for Deposit Products valid from January, 01 2021 till September, 30 2021
PDF (323 KB)

Product-specific Business Conditions for Deposit Products valid from September, 14 2019 till December, 31 2020
PDF (375 KB)

Product-specific Business Conditions for Deposit Products valid from January, 1 2019 till September, 13 2019
PDF (364 KB)

Product-specific Business Conditions for Deposit Products valid from January, 15 2016 till December, 31 2018
PDF (346 KB)

Product-specific Business Conditions for Deposit Products valid from May, 1 2016 till January, 14 2018
PDF (181 KB)
: Payment Services Conditions – effective from 1. 1. 2024 till 31. 12. 2024
PDF (7 MB)

Payment Services Conditions – effective from 16. 10. 2023 till 31. 12. 2023
PDF (558 KB)

Payment Services Conditions – effective from 1. 5. 2023 till 15. 10. 2023
PDF (551 KB)

Payment Services Conditions – effective from 23. 1. 2023 till 30. 4. 2023
PDF (571 KB)

Payment Services Conditions – effective from 1. 1. 2023 till 22. 1. 2023
PDF (565 KB)

Payment Services Conditions – effective from 1. 2. 2022 till 31. 12. 2022
PDF (557 KB)

Payment Services Conditions – change of the Annex 4 effective from 1. 6. 2021 till 31. 1. 2022
PDF (561 KB)

Payment Services Conditions – effective from 1. January 2021 till 31 May 2021
PDF (604 KB)

Addendum No. 9 to the Payment Service Conditions effective from 1. January 2021
PDF (443 KB)

Payment Services Conditions – change of the Annex 4 effective from 10. December 2020 till 31. December 2020
PDF (511 KB)

Payment Services Conditions – Change of the Annex 4 – effective since 1. July 2020 till 9. July 2020
PDF (638 KB)

Payment Services Conditions – effective since 1. January 2020 till 30. June 2020
PDF (556 KB)

Payment Services Conditions – change of Annex 4 effective since 4. November 2019 till 31. December 2019
PDF (656 KB)
: Product Business Conditions for Loan product, Bank Guarantees and Letter of Credit
– effective since 16. June 2022 till 30. June 2024
PDF (365 KB)

Product Business Conditions for Loan product, Bank Guarantees and Letter of Credit
– effective since 15. May 2020 till 15. June 2022
PDF (388 KB)

Product Business Conditions for Loan product, Bank Guarantees and Letter of Credit
– effective since 1. January 2019 till 15. May 2020
PDF (426 KB)
: Product-specific Business Conditions for Investment Services – effective since 27 February 2017 to 31 December 2023
PDF (172 KB)
: Product - specific Business Conditions for Treasury – effective since 1 October 2020 to 31 December 2023
PDF (306 KB)

Product - specific Business Conditions for Treasury – effective since 1 February 2019 till 14 January 2020
PDF (305 KB)
: Product-specific Business Conditions for Factoring – effective since 16 June 2022 till 31 December 2023
PDF (372 KB)

Product-specific Business Conditions for Factoring – effective since 15 May 2020 till 15 June 2022
PDF (361 KB)

Product-specific Business Conditions for Factoring – effective since 15 April 2018 till 15 May 2020
PDF (370 KB)
: Product Business Conditions for Leases – effective since 15. May 2020 till 15. June 2022
PDF (376 KB)

Product Business Conditions for Leases – effective since 15. April 2018 till 15. May 2020
PDF (501 KB)

For Natural Persons Entrepreneurs, Legal Persons, Public and Clients Within the Management of Apartments and No-Residential Premises – effective from October 1, 2023 till November 30, 2023	PDF (611 KB)
For Natural Persons Entrepreneurs, Legal Persons, Public and Clients Within the Management of Apartments and No-Residential Premises – effective from July 1, 2023 till September 30, 2023	PDF (612 KB)
For Natural Persons Entrepreneurs, Legal Persons, Public and Clients Within the Management of Apartments and No-Residential Premises – effective from January 1, 2023 till June 30, 2023	PDF (768 KB)

For Natural Persons Entrepreneurs, Legal Persons, Public and Non-Profit Sector served by the Branch Network of the Bank effective from December 1, 2022 till December 31, 2022	PDF (594 KB)
Existing Products and Services that the Bank currently does not sell any more for Natural Persons Entrepreneurs, Legal Persons, Public and Non-Profit Sector served by the Branch Network of the Bank effective from June 1, 2022 till December 31, 2022	PDF (209 KB)
For Natural Persons Entrepreneurs, Legal Persons, Public and Non-Profit Sector served by the Branch Network of the Bank effective from September 1, 2022 till November 30, 2022	PDF (675 KB)
For Natural Persons Entrepreneurs, Legal Persons, Public and Non-Profit Sector served by the Branch Network of the Bank effective from July 1, 2022 till August 31, 2022	PDF (819 KB)
For Natural Persons Entrepreneurs, Legal Persons, Public and Non-Profit Sector served by the Branch Network of the Bank effective from June 1, 2022 till June 30, 2022	PDF (588 KB)
For Natural Persons Entrepreneurs, Legal Persons, Public and Non-Profit Sector served by the Branch Network of the Bank effective from March 1, 2022 till May 31, 2022	PDF (671 KB)
Existing Products and Services that the Bank currently does not sell any more for Natural Persons Entrepreneurs, Legal Persons, Public and Non-Profit Sector served by the Branch Network of the Bank effective from March 1, 2022 till May 31, 2022	PDF (242 KB)
For Natural Persons Entrepreneurs, Legal Persons, Public and Non-Profit Sector served by the Branch Network of the Bank effective from February 1, 2022 till February 28, 2022	PDF (577 KB)
Existing Products and Services that the Bank currently does not sell any more for Natural Persons Entrepreneurs, Legal Persons, Public and Non-Profit Sector served by the Branch Network of the Bank effective from June 1, 2021 till February 28, 2022	PDF (242 KB)
For Natural Persons Entrepreneurs, Legal Persons, Public and Non-Profit Sector served by the Branch Network of the Bank effective from December 1, 2021 till January 31, 2022	PDF (651 KB)

For Natural Persons Entrepreneurs, Legal Persons, Public and Non-Profit Sector served by the Branch Network of the Bank effective from June 1, 2021 till November 30, 2021	PDF (576 KB)
For Natural Persons Entrepreneurs, Legal Persons, Public and Non-Profit Sector served by the Branch Network of the Bank effective from August 1, 2020 till May 31, 2021	PDF (1 MB)
Existing Products and Services that the Bank currently does not sell any more for Natural Persons Entrepreneurs, Legal Persons, Public and Non-Profit Sector served by the Branch Network of the Bank effective from June 1, 2020 till May 31, 2021	PDF (522 KB)

For Natural Persons Entrepreneurs, Legal Persons, Public and Non-Profit Sector served by the Branch Network of the Bank effective from June 1, 2020 till July 31, 2020	PDF (1 MB)
For Natural Persons Entrepreneurs, Legal Persons, Public and Non-Profit Sector served by the Branch Network of the Bank effective from April 1, 2020 till May 31, 2020	PDF (1 MB)
Existing Products and Services that the Bank currently does not sell any more for Natural Persons Entrepreneurs, Legal Persons, Public and Non-Profit Sector served by the Branch Network of the Bank effective from January 1, 2020 till May 31,2020	PDF (382 KB)
For Natural Persons Entrepreneurs, Legal Persons, Public and Non-Profit Sector served by the Branch Network of the Bank effective from February 1, 2020 till March 31, 2020	PDF (974 KB)
For Natural Persons Entrepreneurs, Legal Persons, Public and Non-Profit Sector served by the Branch Network of the Bank effective from January 1, 2020 till January 31, 2020	PDF (873 KB)

For Natural Persons Entrepreneurs, Legal Persons, Public and Non-Profit Sector served by the Branch Network of the Bank effective from December 1, 2019 till December 31, 2019	PDF (880 KB)
Existing Products and Services that the Bank currently does not sell any more for Natural Persons Entrepreneurs, Legal Persons, Public and Non-Profit Sector served by the Branch Network of the Bank effective from April 1, 2018 till December 31, 2019	PDF (385 KB)
For Natural Persons Entrepreneurs, Legal Persons, Public and Non-Profit Sector served by the Branch Network of the Bank effective from June 1, 2019 till November 30, 2019	PDF (877 KB)
For Natural Persons Entrepreneurs, Legal Persons, Public and Non-Profit Sector served by the Branch Network of the Bank effective from January 1, 2019 till May 31, 2019	PDF (866 KB)

Contractual Conditions – Entrepreneur – Archive

Terms and Conditions as a Legal Part of the Client Agreement by Product

General Business Conditions

Product Business Conditions

Service Charge List

2025

2024

2023

2022

2021

2020

2019

2018

2017

2022

2021

2020

2019

2018

2017

Publications

2024

2023

2022

2021

Other Useful Information to Products

Product-specific Business Conditions for Deposit Products valid from October, 01 2021 till March, 31 2023	PDF (322 KB)
Product-specific Business Conditions for Deposit Products valid from January, 01 2021 till September, 30 2021	PDF (323 KB)
Product-specific Business Conditions for Deposit Products valid from September, 14 2019 till December, 31 2020	PDF (375 KB)
Product-specific Business Conditions for Deposit Products valid from January, 1 2019 till September, 13 2019	PDF (364 KB)
Product-specific Business Conditions for Deposit Products valid from January, 15 2016 till December, 31 2018	PDF (346 KB)
Product-specific Business Conditions for Deposit Products valid from May, 1 2016 till January, 14 2018	PDF (181 KB)

Payment Services Conditions – effective from 1. 1. 2024 till 31. 12. 2024	PDF (7 MB)
Payment Services Conditions – effective from 16. 10. 2023 till 31. 12. 2023	PDF (558 KB)
Payment Services Conditions – effective from 1. 5. 2023 till 15. 10. 2023	PDF (551 KB)
Payment Services Conditions – effective from 23. 1. 2023 till 30. 4. 2023	PDF (571 KB)
Payment Services Conditions – effective from 1. 1. 2023 till 22. 1. 2023	PDF (565 KB)
Payment Services Conditions – effective from 1. 2. 2022 till 31. 12. 2022	PDF (557 KB)
Payment Services Conditions – change of the Annex 4 effective from 1. 6. 2021 till 31. 1. 2022	PDF (561 KB)
Payment Services Conditions – effective from 1. January 2021 till 31 May 2021	PDF (604 KB)
Addendum No. 9 to the Payment Service Conditions effective from 1. January 2021	PDF (443 KB)
Payment Services Conditions – change of the Annex 4 effective from 10. December 2020 till 31. December 2020	PDF (511 KB)
Payment Services Conditions – Change of the Annex 4 – effective since 1. July 2020 till 9. July 2020	PDF (638 KB)
Payment Services Conditions – effective since 1. January 2020 till 30. June 2020	PDF (556 KB)
Payment Services Conditions – change of Annex 4 effective since 4. November 2019 till 31. December 2019	PDF (656 KB)

Product Business Conditions for Loan product, Bank Guarantees and Letter of Credit – effective since 16. June 2022 till 30. June 2024	PDF (365 KB)
Product Business Conditions for Loan product, Bank Guarantees and Letter of Credit – effective since 15. May 2020 till 15. June 2022	PDF (388 KB)
Product Business Conditions for Loan product, Bank Guarantees and Letter of Credit – effective since 1. January 2019 till 15. May 2020	PDF (426 KB)

Product - specific Business Conditions for Treasury – effective since 1 October 2020 to 31 December 2023	PDF (306 KB)
Product - specific Business Conditions for Treasury – effective since 1 February 2019 till 14 January 2020	PDF (305 KB)

Product-specific Business Conditions for Factoring – effective since 16 June 2022 till 31 December 2023	PDF (372 KB)
Product-specific Business Conditions for Factoring – effective since 15 May 2020 till 15 June 2022	PDF (361 KB)
Product-specific Business Conditions for Factoring – effective since 15 April 2018 till 15 May 2020	PDF (370 KB)

Product Business Conditions for Leases – effective since 15. May 2020 till 15. June 2022	PDF (376 KB)
Product Business Conditions for Leases – effective since 15. April 2018 till 15. May 2020	PDF (501 KB)

For Natural Persons Entrepreneurs, Legal Persons, Public and Non-Profit Sector served by the Branch Network of the Bank effective from August 1, 2018 till December 31, 2018	PDF (864 KB)
For Natural Persons Entrepreneurs, Legal Persons, Public and Non-Profit Sector served by the Branch Network of the Bank effective from July 1, 2018 till July 31, 2018	PDF (868 KB)
For Natural Persons Entrepreneurs, Legal Persons, Public and Non-Profit Sector served by the Branch Network of the Bank effective from February 1, 2018 till June 30, 2018	PDF (873 KB)
For Natural Persons Entrepreneurs, Legal Persons, Public and Non-Profit Sector served by the Branch Network of the Bank effective from January 1, 2018 till January 31, 2018	PDF (869 KB)

For Natural Persons Entrepreneurs, Legal Persons, Public and Non-Profit Sector served by the Branch Network of the Bank effective from September 1, 2017 till December 31, 2017	PDF (870 KB)
Existing Products and Services that the Bank currently does not sell any more for Natural Persons Entrepreneurs, Legal Persons, Public and Non-Profit Sector served by the Branch Network of the Bank effective from January 1, 2017	PDF (350 KB)
For Natural Persons Entrepreneurs, Legal Persons, Public and Non-Profit Sector served by the Branch Network of the Bank effective from January 1, 2017 till August 31, 2017	PDF (872 KB)
Existing Products and Services that the Bank currently does not sell any more for Natural Persons Entrepreneurs, Legal Persons, Public and Non-Profit Sector served by the Branch Network of the Bank effective from January 1, 2017	PDF (402 KB)

For Natural Persons Entrepreneurs, Legal Persons, Public and Non-Profit Sector served by the Sales Departments of the Corporate Banking Line effective from December 1, 2022 till December 31, 2022	PDF (691 KB)
Existing Products and Services that the Bank currently does not sell any more for Natural Persons Entrepreneurs, Legal Persons, Public and Non-Profit Sector served by the Branch Network of the Bank effective from June 1, 2022 till December 31, 2022	PDF (209 KB)
For Natural Persons Entrepreneurs, Legal Persons, Public and Non-Profit Sector served by the Sales Departments of the Corporate Banking Line effective from September 1, 2022 till November 30, 2022	PDF (797 KB)
For Natural Persons Entrepreneurs, Legal Persons, Public and Non-Profit Sector served by the Sales Departments of the Corporate Banking Line effective from July 1, 2022 till August 31, 2022	PDF (908 KB)
For Natural Persons Entrepreneurs, Legal Persons, Public and Non-Profit Sector served by the Sales Departments of the Corporate Banking Line effective from June 1, 2022 till June 30, 2022	PDF (679 KB)
For Natural Persons Entrepreneurs, Legal Persons, Public and Non-Profit Sector served by the Sales Departments of the Corporate Banking Line effective from March 1, 2022 till May 31, 2022	PDF (774 KB)
Existing Products and Services that the Bank currently does not sell any more for Natural Persons Entrepreneurs, Legal Persons, Public and Non-Profit Sector served by the Branch Network of the Bank effective from March 1, 2022 till May 28, 2022	PDF (242 KB)
For Natural Persons Entrepreneurs, Legal Persons, Public and Non-Profit Sector served by the Sales Departments of the Corporate Banking Line effective from February 1, 2022 till February 28, 2022	PDF (668 KB)
Existing Products and Services that the Bank currently does not sell any more for Natural Persons Entrepreneurs, Legal Persons, Public and Non-Profit Sector served by the Branch Network of the Bank effective from June 1, 2021 till February 28, 2022	PDF (242 KB)
For Natural Persons Entrepreneurs, Legal Persons, Public and Non-Profit Sector served by the Sales Departments of the Corporate Banking Line effective from December 1, 2021 till January 31, 2022	PDF (767 KB)

For Natural Persons Entrepreneurs, Legal Persons, Public and Non-Profit Sector served by the Sales Departments of the Corporate Banking Line effective from June 1, 2021 till November 30, 2021	PDF (766 KB)
For Natural Persons Entrepreneurs, Legal Persons, Public and Non-Profit Sector served by the Sales Departments of the Corporate Banking Line effective from June 1, 2021	PDF (745 KB)
Amendment to Price list published May 15, 2021 effective from June 1, 2021	PDF (150 KB)
For Natural Persons Entrepreneurs, Legal Persons, Public and Non-Profit Sector served by the Sales Departments of the Corporate Banking Line effective from August 1, 2020 till May 31, 2021	PDF (1 MB)
Existing Products and Services that the Bank currently does not sell any more for Natural Persons Entrepreneurs, Legal Persons, Public and Non-Profit Sector served by the Sales Departments of the Corporate Banking Line effective from June 1, 2020 till May 31, 2021	PDF (645 KB)

For Natural Persons Entrepreneurs, Legal Persons, Public and Non-Profit Sector served by the Sales Departments of the Corporate Banking Line effective from December 1, 2019 till December 31, 2019	PDF (936 KB)
Existing Products and Services that the Bank currently does not sell any more for Natural Persons Entrepreneurs, Legal Persons, Public and Non-Profit Sector served by the Sales Departments of the Corporate Banking Line effective from July 1, 2018 till December 31, 2019	PDF (379 KB)
For Natural Persons Entrepreneurs, Legal Persons, Public and Non-Profit Sector served by the Sales Departments of the Corporate Banking Line effective from June 1, 2019 till November 30, 2019	PDF (934 KB)
For Natural Persons Entrepreneurs, Legal Persons, Public and Non-Profit Sector served by the Sales Departments of the Corporate Banking Line effective from January 1, 2019 till May 31, 2019	PDF (931 KB)

For Natural Persons Entrepreneurs, Legal Persons, Public and Non-Profit Sector served by the Sales Departments of the Corporate Banking Line effective from July 1, 2018 till July 31, 2018	PDF (884 KB)
For Natural Persons Entrepreneurs, Legal Persons, Public and Non-Profit Sector served by the Sales Departments of the Corporate Banking Line effective from February 1, 2018 till June 30, 2018	PDF (961 KB)
Existing Products and Services that the Bank currently does not sell any more for Natural Persons Entrepreneurs, Legal Persons, Public and Non-Profit Sector served by the Sales Departments of the Corporate Banking Line effective from April 1, 2018	PDF (333 KB)
For Natural Persons Entrepreneurs, Legal Persons, Public and Non-Profit Sector served by the Sales Departments of the Corporate Banking Line effective from January 1, 2018 till January 31, 2018	PDF (959 KB)

For Natural Persons Entrepreneurs, Legal Persons, Public and Non-Profit Sector served by the Sales Departments of the Corporate Banking Line effective from September 1, 2017 till December 31, 2017	PDF (955 KB)
Existing Products and Services that the Bank currently does not sell any more for Natural Persons Entrepreneurs, Legal Persons, Public and Non-Profit Sector served by the Sales Departments of the Corporate Banking Line effective from September 1, 2017	PDF (313 KB)
For Natural Persons Entrepreneurs, Legal Persons, Public and Non-Profit Sector served by the Sales Departments of the Corporate Banking Line effective from January 1, 2017 till August 31, 2017	PDF (942 KB)
Existing Products and Services that the Bank currently does not sell any more for Natural Persons Entrepreneurs, Legal Persons, Public and Non-Profit Sector served by the Sales Departments of the Corporate Banking Line effective from January 1, 2017	PDF (324 KB)

Measures implemented by Slovenská sporiteľňa, a.s. to check transactions and compliance with international sanctions – effective from 1.7.2024 to 31.3.2025	PDF (700 KB)
Measures implemented by Slovenská sporiteľňa, a.s. to check transactions and compliance with international sanctions – effective from 1.1.2024 to 30.6.2024	PDF (658 KB)
Prohibited Countries and Risky Countries valid to 31 December 2023	PDF (99 KB)
List of the Purpose Codes published by the Central Bank of the United Arab Emirates (UAE) for payments credited to the beneficiary accounts situated in the UAE	PDF (1 MB)
List of the Purpose Codes published by the Central Bank of Bahrain for payments credited to the beneficiary accounts situated in Bahrain	PDF (112 KB)
Implementation of payment services at the end of 2022	PDF (164 KB)

Disclosure on electronic services – Natural person – entrepreneur, legal person, public and non-profit sector – valid from 2 September 2024 to 31 December 2024	PDF (4 MB)
Disclosure on electronic services – Natural person – entrepreneur, legal person, public and non-profit sector – valid from 1 November 2023 to 1 September 2024	PDF (4 MB)

Disclosure on electronic services – Natural person – entrepreneur, legal person, public and non-profit sector – valid from 1 August 2023 to 31 October 2023	PDF (3 MB)
Disclosure on electronic services – Natural person – entrepreneur, legal person, public and non-profit sector – valid from 23 January 2023 to 31 July 2023	PDF (569 KB)
Disclosure on electronic services – Natural person – entrepreneur, legal person, public and non-profit sector – valid from 1 December 2022 to 22 January 2023	PDF (577 KB)

Information on the intragroup exemption (EMIR) – valid from 3.3.2020 to 14.4.2025	PDF (205 KB)
Information on Basic Rules for Providing Investment Services in Compliance with the MiFID European Legislation – valid from 1.12.2024 to 31.3.2025	PDF (537 KB)
Information on Basic Rules for Providing Investment Services in Compliance with the MiFID European Legislation – valid from 1.12.2023 to 30.11.2024	PDF (454 KB)
Information on Basic Rules for Providing Investment Services in Compliance with the MiFID European Legislation – valid from 15.1.2023 to 30.11.2023	PDF (511 KB)
Information on Basic Rules for Providing Investment Services in Compliance with the MiFID European Legislation – valid from 31.3.2022 to 14.1.2023	PDF (503 KB)
Information on Basic Rules for Providing Investment Services in Compliance with the MiFID European Legislation – valid from 10.3.2021 to 30.3.2022	PDF (498 KB)