Choose the repayment that best suits you. You can always change it quickly and easily in the Internet bank.

1. Repay all of the credit you used in the previous month → if you want to use your card interest-free.
On the 10th of every month, all of the credit you used in the previous month will be automatically debited from the current account linked to your card and you'll be charged no interest.

Make repayments yourself → if you want to choose when and how much of the credit you’ve used to pay back.
You can choose the frequency and amount of your repayments. Only the interest that’s accumulated for the credit you’ve used will be debited from the current account linked to your card on the 10th of each month. You can choose the repayment date of the amount you’ve used yourself. No interest is charged if the repayment is made before the 10th of the month. The total amount of credit used must be repaid when the agreement expires.

3. Pay a fixed amount every month → if you want to set a fixed amount for your repayments.
On the 10th of each month this fixed payment will be debited from the current account linked to your card. This monthly payment isn’t charged automatically if you haven’t used any credit or you’ve already paid it back. The payment doesn’t include interest. The interest that’s accumulated for the credit you’ve used is debited from your current account on the 10th of each month.

A credit card represents a financial obligation in assuming which we recommend that you seriously consider your needs and possibilities.

• Think about what you’ll need credit for and in what amount
• Plan ahead in terms of how you intend to repay any credit you use
• Examine the standard example of APR so that you’re fully aware of the cost of using a credit card, including how interest is calculated
• Remember that if your financial situation deteriorates for any reason, you’ve taken on a financial obligation whose repayments you’ll still need to meet regardless of the change in your circumstances
• Before entering into an agreement, we recommend reading through all of the documentation involved: the agreement itself, the information sheet that comes with it and the standard terms and conditions of the credit card
• If you have any questions or concerns, don’t hesitate to contact us immediately - whether you need more information or have run into payment difficulties, we’ll work with you to find the best solution

Example of annual percentage rate:

The initial APR is 22.21% per annum under the following sample conditions: credit limit of €1000, fixed interest rate of 18% per annum, card fee of €1 per month, total amount of credit €1119.76 and amount of repayments €1107.76.

The rate is calculated on the assumption that the total credit is used as soon as possible and in full, that the credit used is repaid monthly in equal payments over 12 consecutive months and that interest and the card’s monthly fees are paid alongside the monthly repayments of the credit.

Find out more about secure card use here.