Cenovnik Proizvoda I Usluga Za Stanovnistvo I Registrovana Poljoprivredna Gazdinstva

Sektor za Retail klijente
Retail Client Division
Cenovnik proizvoda i usluga za stanovništvo

i registrovana poljoprivredna gazdinstva
Private Individual and Registered Farms
Product and Service Price List
Cenovnik važi od 03.10.2022.
Price List valid from 03.10.2022
1. Gotovinske transakcije (Cash Transactions)

2. Bezgotovinske transakcije (Cashless Transactions)
3. Platni račun (Payment Accounts)
4. Štednja (Savings)
5. Elektronsko bankarstvo, mobilno bankarstvo i
SMS obaveštenja (E-Banking, mobile banking
and SMS notifications)
6. Garancije (Guarantees)
7. Ostale usluge (Other Services)
8. Sefovi (Safe Boxes)
9. Naknada za izveštaj kreditnog biroa (Credit Bureau Report Fee)
10. Naknade za debitne kartice (Debit Cards Fees)
11. Naknade za kreditne kartice (Credit Cards Fee)
12. Naknade za kreditne proizvode (Fees for lending products)
13. Naknade za NKOSK* (NKOSK Fees*)
14. Kamatne stope za kredite (Interest Rates for Loans)
15. Kamatne stope na račune i štednju
(Interest Rates for Accounts and Savings)
16. Penali (Penalties)
1. Gotovinske transakcije
Cash Transactions
OPIS NAKNADE Visina naknade Promenljivost
Fee description Fee amount Variability
UPLATE
1.1.
INCOMING PAYMENTS
1.1.1.
Uplata na devizni i dinarski račun fizičkih lica u okviru Erste Bank Bez naknade
Incoming payment to FX and RSD account of private individuals within Erste Bank Free of charge *
0,80%, min 80 RSD, max 7.000 RSD
0,80%, min RSD 80, max RSD 7,000
1.1.2.
Uplata na račun pravnog lica u okviru Erste Bank
Incoming payment to the account of a corporate client within Erste Bank Naknada sa popustom do 31.08.2023. godine: *
0,70%, min 70 RSD, max 6.000 RSD
Fee with discount up to 31.08.2023:
0,70%, min RSD 70, max RSD 6,000
1,00%, min 95 RSD, max 7.000 RSD

1,00%, min RSD 95, max RSD 7,000
1.1.3.
Uplata na račun van Erste Bank
Incoming payment to the account out of Erste Bank Naknada sa popustom do 31.08.2023. godine: *
1,00%, min 85 RSD, max 6.000 RSD
1,00%, min RSD 85, max RSD 6,000
Uplata na račun van Erste Bank do 300.000 RSD - Instant plaćanje 1,00%, min 100 RSD
1.1.4. Payment at the account outside Erste Bank up to RSD 300,000 - Instant *
payment 1,00%, min RSD 100
ISPLATE
1.2. OUTGOING PAYMENTS
Isplata sa dinarskog tekućeg računa, štednih knjižica, žiro računa, namenskih
računa RPG i namenskih računa za trgovanje finansijskim instrumentima Bez naknade
1.2.1. Disbursement from RSD current account, savings passbooks, giro accounts, *
purpose accounts of Registered Farms and purpose accounts for the trade in Free of charge
financial instruments
Isplata sa deviznog računa u istoj valuti Bez naknade
1.2.2. *
Outgoing payment from FX account in the same currency Free of charge
Isplata sa deviznog računa konverzijom u dinare Bez naknade
1.2.3. *
Outgoing payment from FX account by the conversion in RSD Free of charge
Bezgotovinske transakcije
2. Cashless Transactions
BEZGOTOVINSKI PRENOS NOVČANIH SREDSTAVA
2.1.
CASHLESS MONEY TRANSFER
Bezgotovinski prenos novčanih sredstava u dinarima u Republici Srbiji
2.1.1.
Cashless money transfer in RSD in the Republic of Serbia
Interna plaćanja sa računa
2.1.1.1. Internal payments from account
Bez naknade
Interni prenosi između računa fizičkih lica u okviru Erste Bank (osim u slučaju kupovine nepokretnosti)
2.1.1.1.1. Free of charge (except in case of *
Internal transfers between the accounts of private individuals within Erste Bank
real estate purchase and sales)
0,70%, min 70 RSD, max 7.000 RSD
0,70%, min RSD 70, max RSD 7,000
Plaćanje sa računa fizičkog lica u korist pravnog lica u okviru Erste Bank
2.1.1.1.2. Payment from the account of private individuals in favor of corporate Naknada sa popustom do 31.08.2023. godine: *
clients within Erste Bank 0,60%, min 60 RSD, max 6.000 RSD
0,60%, min RSD 60, max RSD 6,000
Prenos novčanih sredstava u dinarima po osnovu kupoprodaje nepo- 0,20%, max 7.000 RSD
kretnosti sa računa kupca na račun prodavca u okviru Erste Bank 0,20%; max RSD 7,000
1
2.1.1.1.3. (po kupoprodajnom ugovoru)
Transfer of funds in RSD based on the purchase and sales of a real-estate Naknada sa popustom do 31.08.2023. godine: *
from the account of the buyer to the account 1of the seller, within Erste Bank 0,20%, max 5.000 RSD
(based on a Purchase and Sales Agreement) Fee with discount up to 31.08.2023:
0,20%; max RSD 5,000
2

2.1.1.2.
Eksterna plaćanja sa računa
External payments from account
1,00%, min 85 RSD, max 7.000 RSD

1,00%, min RSD 85, max RSD 7,000
Plaćanje sa računa fizičkog lica u korist računa van Erste Bank
2.1.1.2.1. Payment from the account of a private individuals in favor of the account Naknada sa popustom do 31.08.2023. godine: *
out of Erste Bank 1,00%, min 70 RSD, max 6.000 RSD
1,00%, min RSD 70, max RSD 6,000
1,00%, min 90 RSD

1,00%, min RSD 90
Plaćanje sa računa fizičkog lica u korist računa van Erste Bank
2.1.1.2.2.
do 300.000 RSD - Instant plaćanje Naknada sa popustom do 31.08.2023. godine:
Payment from the account of a private individual in favor of an account 1,00%, min 85 RSD *
outside Erste Bank up to RSD 300,000 - Instant payment Fee with discount up to 31.08.2023:
1,00%, min RSD 85
Doznaka u zemlji u dinarima - između rezidenata i nerezidenata 0,80%, min 1.200 RSD, max 40.000 RSD
2.1.1.2.3. RSD payment transfer in Serbia- between residents non-residents *
0,80%, min RSD 1,200 max RSD 40,000
Prenos novčanih sredstava u dinarima po osnovu kupoprodaje nepokretno- 1,00%, min 85 RSD, max 7.000 RSD
1,00%, min RSD 85, max RSD 7,000
sti sa računa kupca na račun prodavca
1
van Erste Bank
2.1.1.2.4.
(po kupoprodajnom ugovoru) Naknada sa popustom do 31.08.2023. godine:
Transfer of funds in RSD based on the purchase and sales of a real-estate from 1,00%, min 65 RSD, max 5.000 RSD *
the account of the buyer to the account of the
1
seller, outside Erste Bank Fee with discount up to 31.08.2023:
based on a Purchase and Sales Agreement) 1,00%, min RSD 65, max RSD 5,000
Bezgotovinski prenos novčanih sredstava u evrima sa deviznog

2.1.2. tekućeg računa u evrima
Cashless money transfer in EUR from FX current account in EUR
Doznaka u zemlji u EUR 0,80%, min 1.200 RSD, max 40.000 RSD
2.1.2.1. Payment transfer in EUR in Serbia *
0,80%, min RSD 1,200 max RSD 40,000
Prenos novčanih sredstava u EUR po osnovu kupoprodaje nepokretnosti 1
sa računa kupca na račun prodavca u Erste Bank (po kupoprodajnom ugovoru) 0,20%, max 7.000 RSD
2.1.2.2. Transfer of funds in EUR based on the purchase and sales of a real-estate from *
the account of the buyer to the account of the1 seller, within Erste Bank 0.20%; max RSD 7,000
(based on a Purchase and Sales Agreement)
Prenos novčanih sredstava u EUR po osnovu kupoprodaje nepokretnosti
sa računa kupca na račun prodavca van Erste Bank (po kupoprodajnom
ugovoru) Po tarifi iz stava 2.1.2.1.
2.1.2.3. Transfer of funds in EUR based on the purchase and sales of a real-estate According to the tariff 2.1.2.1. *
from the account of the buyer to the account of the seller, outside Erste Bank
(based on a Purchase and Sales Agreement)
2.1.2.4.
Doznaka prema inostranstvu u EUR 0,80%, min 1.200 RSD, max 40.000 RSD
International payment transfer in EUR 0,80%, min RSD 1,200 max RSD 40,000 *
2
Doznaka prema inostranstvu u EUR u okviru Erste Grupe do 10.000 EUR 1.000 RSD
2.1.2.5. 2 *
International payment transfer in EUR within Erste Group up to EUR 10,000 RSD 1,000
2
Doznaka prema inostranstvu u EUR u okviru Erste Grupe 2
preko 10.000 EUR 0,60%, max 30.000 RSD
2.1.2.6. International payment transfer in EUR within Erste Group of more *
0,60%, max RSD 30,000
than EUR 10,000
2
Doznaka prema inostranstvu u EUR u okviru Erste Grupe za Premium
2.1.2.7.
Gold klijente bez obzira na iznos doznake 2
1.000 RSD
International payment transfer in EUR within Erste Group for Premium Gold RSD 1,000 *
clients regardless of the amount of the payment transfer
Bezgotovinski prenos novčanih sredstava u drugim valutama sa deviznog tekućeg računa
2.1.3.
Cashless money transfer in other currencies from FX current account
2.1.3.1.
Doznaka u zemlji u drugim valutama 0,80%, min 1.200 RSD, max 40.000 RSD
Payment transfer in other currenciesin Serbia 0,80%, min RSD 1,200 max RSD 40,000 *
Prenos novčanih sredstava u drugim valutama po osnovu kupoprodaje
nepokretnosti sa računa kupca1 na račun prodavca u Erste Bank
2.1.3.2. (po kupoprodajnom ugovoru) 0,20%, max 7.000 RSD
Transfer of funds in other currencies based on the purchase and sales of a 0.20%; max RSD 7,000 *
real-estate from the account of the buyer to the account1 of the seller, within
Erste Bank (based on a Purchase and Sales Agreement)
Prenos novčanih sredstava u drugim valutama po osnovu kupoprodaje
nepokretnosti sa računa kupca na račun prodavca van Erste Bank
2.1.3.3. (po kupoprodajnom ugovoru) Po tarifi iz stava 2.1.3.1.
Transfer of funds in other currencies based on the purchase and sales of a Po tarifi iz stava 2.1.3.1. *
real-estate from the account of the buyer to the account of the seller, outside
Erste Bank (based on a Purchase and Sales Agreement)
2.1.3.4.
Doznaka prema inostranstvu u drugim valutama 0,80%, min 1.200 RSD, max 40.000 RSD
International payment transfer in other currencies 0,80%, min RSD 1,200 max RSD 40,000 *
3

2
Doznaka prema inostranstvu u USD u okviru Erste Grupe
2.1.3.5.
u protivvrednosti do 10.000 EU 2
1.000 RSD
International payment transfer in USD within Erste Group RSD 1,000 *
in the counter value of up to EUR 10,000
2
2.1.3.6.
u protivvrednosti preko 10.000 EUR 2
0,60%, max 30.000 RSD
International payment transfer in USD within Erste Group 0,60%, max RSD 30,000 *
in the counter value of more than EUR 10,000
2
2.1.3.7. za Premium Gold klijente bez obzira na iznos doznake 2 1.000 RSD
International payment transfer in USD within Erste Group RSD 1,000 *
for Premium Gold clients regardless of the amount of the payment transfer
2.1.4.
Naknada troškova ino banke
Fee for costs of foreign bank
2.1.4.1.
Naknada troškova ino banke za doznake van okvira Erste Grupe
Fee for costs of foreign bank for payment transfers outside Erste Group
Doznake do 50 EUR 5 EUR (po prodajnom kursu za devize na dan)
Payment transfers of up to RSD 50 EUR 5 (according to the selling FX currency *
exchange rate on the day of the payment)
Doznake preko 50 EUR do 12.500 EUR 10 EUR (po prodajnom kursu za devize na dan)
EUR 10 (according to the selling FX currency *
Payment transfers of EUR 50 to EUR 12,500 exchange rate on the day of the payment)
Doznake preko 12.500 EUR do 50.000 EUR 20 EUR (po prodajnom kursu za devize na dan)
Payment transfers of EUR 12,500 to EUR 50,000 exchange rate on the day of the payment)
Doznake preko 50.000 EUR 30 EUR (po prodajnom kursu za devize na dan)
Payment transfers of over RSD 50,000 exchange rate on the day of the payment)
20 EUR (po prodajnom kursu za
Naknada troškova ino banke za doznake ka Crnoj Gori devize na dan)
2.1.4.2.
Fee for costs of foreign bank for payment transfers to Crna Gora EUR 20 (according to the selling FX *
currency exchange rate on the day
of the payment)
2
Naknada troškova ino banke za doznake u okviru Erste Grupe Bez naknade
2.1.4.3. Fee for costs2 of foreign bank for payment transfers within Free of charge
Erste Group
2.1.5. Ostale naknade
Other fees
Naknada za promene na doznaci po zahtevu klijenta
2.1.5.1.
(za povraćaj, zamenu) 2.500 RSD + stvarni troškovi ino banke
Fee for changes on the payment transfer upon the client's RSD 2,500 + actual costs of foreign bank
request (for return, replacement)
2.2. PRIJEM NOVČANIH SREDSTAVA
RECEIPT OF MONEY
2.2.1.
Prijem novčanih sredstava u dinarima u Republici Srbiji
Receipt of money in RSD in the Republic of Serbia
2.2.1.1.
Prilivi na račune fizičkih lica u dinarima Bez naknade
Incoming payments to the accounts of private individuals in RSD Free of charge
2.2.2.
Prijem novčanih sredstava u stranoj valuti u Republici Srbiji
Receipt of money in FX currencies in the Republic of Serbia
Doznaka u stranoj valuti iz druge banke u zemlji
2.2.2.1.
(za rezidente i nerezidente) 0,30%, min 350 RSD, max 30.000 RSD
International payment in FX from other bank in Serbia 0,30%, min RSD 350, max RSD 30,000
(for residents and non-residents)
Doznaka u stranoj valuti iz druge banke u zemlji ukoliko
postoje stvarni troškovi druge banke Po stvarnim troškovima druge banke
2.2.2.2.
International payment in FX from other bank in Serbia in case of Under the actual costs of other bank *
actual costs of other bank
2.2.3.
Prijem novčanih sredstava iz inostranstva na devizni
tekući račun u evrima
Receipt of money from abroad to FX current account in EUR
Doznaka iz inostranstva u EUR 0,40%, min 500 RSD, max 30.000 RSD
2.2.3.1. *
International payment transfer in EUR 0,40%, min RSD 500, max RSD 30,000
Doznaka iz inostranstva
2
ukoliko je banka nalogodavca u 0,25%, min 300 RSD,
okviru Erste Grupe max 10.000 RSD
2.2.3.2. *
International payment
2
transfer in case the bank of the orderer is 0,25%, min RSD 300,
within Erste Group max RSD 10,000
4

2.2.3.3.
Strane penzije iz SR Nemačke 0,23%
FX pensions from Germany *
0,50% (bez naknade za iznos penzije

do 100 EUR u dinarskoj protivvrednosti
2.2.3.4.
Strane penzije iz ostalih zemalja u EUR po srednjem kursu NBS)
FX pensions from other countries in EUR 0.50% (free of charge for the amounts *
up to EUR 100 in RSD counter value
according to middle exchange rate of NBS)
2.2.4.
Prijem novčanih sredstava iz inostranstva na devizni tekući račun u drugim valutama
Receipt of money from abroad to FX current account in other currencies
Doznaka iz inostranstva u drugim valutama 0,40%, min 500 RSD, max 30.000 RSD
2.2.4.1. *
International payment transfer in other currencies 0,40%, min RSD 500, max RSD 30,000
Doznaka iz inostranstva
2
ukoliko je banka nalogodavca u 0,25%, min 300 RSD,
2.2.4.2.
okviru Erste Grupe max 10.000 RSD
International payment transfer in case the bank of the orderer is 0,25%, min RSD 300,
within Erste Group
2
max RSD 10,000
0,50% (bez naknade za iznos penzije do

100 EUR u dinarskoj protivvrednosti po
2.2.4.3.
Strane penzije iz ostalih zemalja u drugim valutama srednjem kursu NBS)
FX pensions from other countries in other currencies 0.50% (free of charge for the amounts up *
to EUR 100 in RSD counter value according
to middle exchange rate of NBS)
2.2.5. Prijem novčanih sredstava sa Kosova i Metohije

Receipt of money from Kosovo and Metohija
Prilivi sa Kosova i Metohije po računima fizičkih lica u dinarima
2.2.5.1. Incoming payments from Kosovo and Metohija to the accounts of 0,50% *
private individuals in RSD
1
Prenos novčanih sredstava sa računa kupca na račun prodavca u slučaju kupovine nepokretnosti kreditom Erste Bank
(po kupoprodajnom ugovoru) - Bez naknade
1
Transfer of funds from the account of the buyer to the account of the seller, in case of purchase of a real-estate by a loan of
Erste Bank (based on a Purchase and Sales Agreement) - Free of charge
2
Erste Grupa - uključujući i Kärnter/Steiermärkische Sparkasse, Erste Bosna i Hercegovina,
Erste Bank Makedonija, Erste Bank Slovenija
2
Erste Group - including Kärnter/Steiermärkische Sparkasse, Erste Bosna i Hercegovina, Erste Bank
Makedonija and Erste Bank Slovenia
5
Platni račun
3. Payment Accounts
Prome-
OPIS NAKNADE Visina naknade Vrsta naknade Dinamika plaćanja nljivost
Fee description Fee amount Fee type Payment rate Variability
3.1. OTVARANJE PLATNOG RAČUNA

PAYMENT ACCOUNT OPENING
1 Jednokratno, prilikom
3.1.1.
Dinarski tekući račun sa osnovnim uslugama Bez naknade podnošenja zahteva
RSD current account with basic features
1
Free of charge One-off, when filing
the application
3.1.2.
Dinarski tekući račun i Premium dinarski tekućI račun
RSD current account and Premium RSD current account:
Jednokratno, prilikom
Za klijente sa prenosom zarade Bez naknade podnošenja zahteva *
3.1.2.1.
For payroll clients Free of charge One-off, when filing
the application
Za klijente bez prenosa zarade Bez naknade Jednokratno, prilikom
3.1.2.2. podnošenja zahteva *
For non-payroll clients Free of charge One-off, when filing
the application
3.1.3.
Dinarski tekući račun za mlade Bez naknade podnošenja zahteva
RSD Youth current account Free of charge One-off, when filing *
the application
3.1.4.
Devizni tekući račun Bez naknade podnošenja zahteva
Fee for opening FX current account Free of charge One-off, when filing *
the application
Namenski račun za trgovanje finansijskim instrumentima na
domaćem tržištu (naknada je po računu)
3.1.5. Purpose accounts for the trade in financial instruments at the
domestic market (fee per account)
Klijent koji trguje preko Ovlašćene banke Jednokratno, prilikom
Erste Bank a.d Novi Sad Bez naknade podnošenja zahteva 2
3.1.5.1. The client who trades through Erste Bank a.d. Free of charge ****
One-off, when filing
Novi Sad Authorized Bank the application
Klijent koji trguje preko drugog investicionog društva 200 RSD podnošenja zahteva 2
3.1.5.2. The client who trades through other investment company RSD 200 One-off, when filing ****
the application
Namenski račun za trgovanje finansijskim instrumentima Jednokratno, prilikom
Bez naknade podnošenja zahteva
3.1.6. u inostranstvu Free of charge One-off, when filing ****
2
Purpose accounts for the trade in financial instruments abroad the application
Namenski dinarski račun fizičkog lica - registrovanog Jednokratno, prilikom
3.1.7. poljoprivrednog gazdinstva 200 RSD podnošenja zahteva
RSD 200 One-off, when filing *
Purpose RSD account of a private individual - Registered farm the application
VOĐENJE PLATNOG RAČUNA
3.2.
PAYMENT ACCOUNT MAINTENANCE
Dinarski tekući račun sa osnovnim uslugama za klijente sa
prenosom zarade / penzije i mesečnim prometom većim 150 RSD Promenljiva Mesečno
3.2.1. od 1.000 RSD RSD 150 Variable Monthly *
RSD current account with basic features for payroll clients
and monthly turnover higher than RSD 1,000
Dinarski tekući račun za klijente sa prenosom zarade /

3.2.2.
penzije i mesečnim prometom većim od 1.000 RSD
RSD current account for payroll clients and monthly turnover
higher than RSD 1,000
230 RSD
Dinarski tekući račun za klijente sa prenosom penzije i RSD 230
mesečnim prometom većim od 1.000 RSD Naknada sa popustom Promenljiva Mesečno
3.2.2.1.
RSD current account for payroll clients and monthly turnover do 31.08.2023. Variable Monthly *
godine: 200 RSD
higher than RSD 1,000 Fee with discount up to
31.08.2023: RSD 200
290 RSD
Dinarski tekući račun za klijente sa prenosom zarade i RSD 290
mesečnim prometom većim od 1.000 RSD Naknada sa popustom Promenljiva Mesečno
3.2.2.2.
RSD current account for payroll clients and monthly turnover do 31.08.2023. Monthly *
godine: 250 RSD Variable
higher than RSD 1,000 Fee with discount up to
31.08.2023: RSD 250
6

Bez naknade 12 meseci
Dinarski tekući račun račun / Dinarski tekući račun sa od otvaranja računa, a
osnovnim uslugama za klijente sa prenosom zarade / penzije nakon isteka 12 meseci
u skladu da članom
i mesečnim prometom većim od 1.000 RSD za klijente koji 3.2.2. / 3.2.1.
3.2.3. zatvore tekući račun za mlade Free of charge 12 months Promenljiva
Mesečno
as of the opening of the Variable Monthly *
RSD current account / RSD current account with basic features account, and after the
for payroll clients and monthly turnover higher than RSD 1,000 expiry of the 12 months i
for clients who close their Youth current account n accordance with Article
3.2.2. / 3.2.1.
od otvaranja računa, a
Dinarski tekući račun / Dinarski tekući račun sa osnovnim nakon isteka 12 meseci
uslugama za klijente koji otvore račun u skladu sa članom
putem mikro sajta Erste Bank 3.2.1./3.2.2.
3.2.4. Fee for the maintenance of RSD current account / RSD current Free of charge 12 months Promenljiva Mesečno
as of the opening of Variable Monthly *
account with basic features for clients who open their account account, and after the
via micro-site of Erste Bank expiry of the 12 months
in accordance with
Article 3.2.1 /3.2.2.
Dinarski tekući račun / Dinarski tekući račun sa osnovnim od otvaranja računa, a
uslugama za klijente sa prenosom zarade / penzije i mesečnim nakon isteka 12 meseci
prometom većim od 1.000 RSD koji trajno preusmere redovna u skladu sa članom
mesečna primanja sa štedne knjižice 3.2.1. /3.2.2. Mesečno
3.2.5. Free of charge 12 months Promenljiva Monthly *
Fee for maintaining RSD current account / RSD current account as of the opening of Variable
with basic features for payroll clients and monthly turnover higher account, and after the
than RSD 1,000 who permanently direct their monthly income expiry of the 12 months
from savings booklet in accordance with
Article 3.2.1 /3.2.2.
620 RSD
Premium dinarski tekući račun za klijente sa prenosom RSD 620
3.2.6.
zarade / penzije i mesečnim prometom većim od 1.000 RSD Naknada sa popustom
do 31.08.2023. Promenljiva Mesečno
Fee for maintaining Premium current account for payroll godine: 595 RSD Variable Monthly *
clients with monthly turnover higher than RSD 1,000 Fee with discount up to
31.08.2023: RSD 595
3.2.7.
Dinarski tekući račun za mlade Bez naknade
RSD Youth current account Free of charge *
3.2.8. Devizni tekući račun Bez naknade
FX current account Free of charge *
3.2.9.
Namenski računi za trgovanje finansijskim instrumentima Bez naknade 2
Purpose accounts for the trade in financial instruments Free of charge ****
Namenski dinarski račun fizičkog lica - registrovanog 290 RSD
poljoprivrednog gazdinstva za klijente sa mesečnim RSD 290
prometom većim od 1.000 RSD Naknada sa popustom Promenljiva Mesečno
3.2.10.
Fee for maintaining Purpose RSD account of private do 31.08.2023. Monthly *
godine: 250 RSD Variable
individuals - Registered farm for clients with monthly Fee with discount up to
turnover higher than RSD 1,000 31.08.2023: RSD 250
OSTALE NAKNADE VEZANE UZ PLATNI RAČUN
3.3.
OTHER FEES RELATED TO PAYMENT ACCOUNT
Naknada za izdavanje izvoda po tekućem računu Bez naknade
3.3.1. *
Fee for issuing excerpts under current accounts Free of charge
Naknada za slanje opomena za prekoračenje 200 RSD Promenljiva Po opomeni
3.3.2. Per warning *
Fee for sending warnings for exceeding RSD 200 Variable
Naknada za zatvaranje računa (tekućeg računa, štedne
knjižice, žiro računa, namenskog računa RPG i namenskog
3.3.3. računa za trgovanje finansijskim instrumentima) Bez naknade
Fee for closing accounts (current account, savings passbook, Free of charge *
giro account, purpose accounts of Registered Farms and
purpose accounts for the trade in financial instruments)
Naknada za izdavanje ovlašćenja po dinarskim, deviznim Jednokratno, prilikom
tekućim računima i namenskim računima za trgovanje 80 RSD podnošenja zahteva
3.3.4. finansijskim instrumentima Promenljiva *
Fee for issuing authorities under RSD, FX current accounts and RSD 80 Variable One-off, when filing
purpose accounts for the trade in financial instruments the application
Transfer novca od kupoprodaje hipotekovane nepokretnosti i

zaloge neposrednom pogodbomsa sa računa kupca na Jednokratno, po
3.3.5.
račun prodavca 1.000 RSD Promenljiva obavljenoj transakciji
Transfer of funds from the purchase and sales of a mortgaged RSD 1,000 Variable *
One-off, per transaction
real-estate and pledge over direct deals from the buyer's
account to the seller's account
Transfer novca u korist računa van Erste Bank u slučaju
zatvaranja tekućeg računa, štedne knjižice, žiro računa,
namenskog računa RPG i namenskog
2
računa za trgovanje
3.3.6.
finansijskim instrumentima Bez naknade
Transfer of money in favor of the account outside Erste Bank in Free of charge *
case of closing a current account, savings passbook, giro account,
purpose accounts of Registered Farms
2
and purpose accounts for
the trade in financial instruments
7
Prome-
TRAJNI NALOG
3.4.
STANDING ORDER
Izvršenje trajnih naloga unutar Erste Bank Bez naknade
3.4.1. *
Execution of standing orders within Erste Bank Free of charge
0,50%, min 30 RSD,
Izvršenje trajnih naloga van Erste Bank max 3.500 RSD
3.4.2. *
Execution of standing orders outside Erste Bank 0,50%, min RSD 30,
max RSD 3.500
Trajni nalozi Osiguravajuće kuće
3.4.3.
Standing order of insurance company
Naplata provizije za izvršenje trajnog naloga na teret klijenta 0,20 % od iznosa

3.4.3.1. Commission for the execution of a standing order at the charge naloga, min 15 RSD *
of a client 0.20 % of the amount,
min. RSD 15
Naplata provizije za izvršenje trajnog naloga na teret 0,20 % od iznosa
3.4.3.2.
osiguravajuće kuće naloga, min 15 RSD
Commission for the execution of a standing order at the 0.20 % of the amount, *
charge of the insurance agency min. RSD 15
Naknada za naloge, koji se izvršavaju po posebnom Po Ugovoru

3.4.4.
ugovoru, na teret pravnog lica According to the
Fee for orders which are executed according to a special *
agreement, at the charge of a legal person Agreement
DIREKTNO ZADUŽENJE
3.5.
DIRECT DEBIT
Usluga Direct debit za fizička lica - nalog primaoca plaćanja
Banci za prenos novčanih sredstava sa računa platioca po
3.5.1. osnovu dobijene saglasnosti Bez naknade
Direct debit service for private individuals - payment order to Free of charge *
the Bank for the money transfer from the payer's account
based on the obtained consent
3.6.
ČEKOVI
CHEQUES
3.6.1.
Izdavanje čekova
Issuance of cheques
40 RSD po čeku
RSD 40 per cheque
Naknada sa popustom
3.6.1.1.
Izdavanje čekova po dinarskom tekućem računu do 31.08.2023.
Issuance of cheques under RSD current account godine: 35 RSD po čeku *
Fee with discountup to
31.08.2023:
RSD 35 per cheque
3.6.2.
Ostalo
Other
Reklamacija po čekovima Bez naknade
3.6.2.1. *
Complaints under cheques Free of charge
Isplata čekova građana izdanja druge banke 3,00%
3.6.2.2. *
Disbursement of retail cheques issued by other banks
1
Otvaranje ovog računa nije uslovljeno ugovaranjem dodatnih bankarskih usluga.
¹Additional banking services are not required by this account opening.
2
Ukoliko klijent nije zadovoljan izmenjenom visinom naknade, Erste Bank mu omogućava da bez naknade podigne novac ili ga bezgotovinski
prenese
2
u drugu banku i raskine ugovor o tekućem računu (zatvori tekući račun)
In case the client is not satisfied with the changed amount of the fee, Erste Bank will enable him/her to withdraw the money free of charge or to
transfer it to another bank through cashless transfer and to cancel the current account agreement (close the current account)
8
Štednja
4. Savings
Prome-
Naknada za otvaranje štednog računa po viđenju 100 RSD podnošenja zahteva
4.1. Fee for opening demand savings account RSD 100 One-off, when filing *
the application
Naknada za otvaranje dečijeg dinarskog štednog računa Jednokratno, prilikom

4.2. po viđenju 100 RSD podnošenja zahteva
RSD 100 One-off, when filing *
Fee for opening children demand savings account the application
Naknada za vođenje štednog računa po viđenju Bez naknade
4.3. Fee for maintaining demand savings account Free of charge *
Naknada za vođenje dečijeg dinarskog štednog računa Bez naknade
4.4. po viđenju Free of charge *
Fee for maintaining children demand savings account
Naknada za izdavanje ovlašćenja po dinarskom i deviznom Jednokratno, prilikom
4.5. štednom ulogu 80 RSD Promenljiva podnošenja zahteva
Fee for issuing authorizations under RSD and FX savings deposit RSD 80 Variable One-off, when filing *
the application
Naknada za zamenu štedne knjižice 100 RSD Promenljiva podnošenja zahteva
4.6. Fee for the replacement of savings booklet RSD 100 Variable One-off, when filing *
the application
Naknada za izdavanje izvoda Bez naknade
4.7. Fee for the issuance of excerpts Free of charge *
Naknada za blokiranje računa 200 RSD Promenljiva podnošenja zahteva
4.8. Fee for blocking accounts RSD 200 Variable One-off, when filing *
the application
Naknada za zatvaranje računa Bez naknade
4.9. Fee for closing accounts Free of charge *
Naknada za prijavu nestanka dokumenta 50 RSD Promenljiva podnošenja zahteva
4.10. Fee for reporting the loss of a document RSD 50 Variable One-off, when filing *
the application
9
ELEKTRONSKO BANKARSTVO, MOBILNO BANKARSTVO I

5. SMS OBAVEŠTENJA
E-BANKING, MOBILE BANKING AND SMS NOTIFICATIONS
Opis naknade Visina naknade Promenljivost
Elektronsko bankarstvo - NetBanking

5.1.
E-BANKING (NetBanking)
Korišćenje usluge Bez naknade
5.1.1. *
Service use Free of charge
Naknada za izdavanje izvoda po računima Bez naknade
5.1.2. *
Fee for the issuance of excerpts Free of charge
Elektronski nalog između računa fizičkih lica u Erste Bank Bez naknade
5.1.3. *
Electronic order between accounts of private individuals within Erste Bank Free of charge
Elektronski nalog u korist računa pravnog lica u Erste Bank - za
5.1.4.
Dinarski tekući račun sa osnovnim uslugama 0,17%, min 10 RSD, max 1.000 RSD
Electronic order in favour of corporate account within Erste Bank - for RSD 0.17%, min RSD 10, max RSD 1,000 *
current account with basic features
Elektronski nalog u korist računa pravnog lica u Erste Bank 0,25%, min 15 RSD, max 1.500 RSD
5.1.5. *
Electronic order in favour of corporate account within Erste Bank 0.25%, min RSD 15, max RSD 1,500
Elektronski nalog u korist računa van Erste Bank - za Dinarski tekući
5.1.6.
račun sa osnovnim uslugama 0,17%, min 10 RSD, max 1.000 RSD
Electronic order in favour of non-Erste Bank account - for RSD current 0.17%, min RSD 10, max RSD 1,000 *
account with basic features
Elektronski nalog u korist računa van Erste Bank 0,25%, min 15 RSD, max 1.500 RSD
5.1.7. *
Electronic order in favour of non-Erste Bank account 0.25%, min RSD 15, max RSD 1,500
Elektronski nalog u korist računa van Erste Bank do 300.000 RSD - Instant
5.1.8.
plaćanje (za Dinarski tekući račun sa osnovnim uslugama) 0,17%, min 10 RSD
Electronic order in favor of an account outside Erste Bank up to RSD 0.17%, min RSD 10 *
300,000 - Instant payment (for RSD current account with basic features)
Elektronski nalog u korist računa van Erste Bank do
5.1.9. 300.000 RSD - Instant plaćanje 0,25%, min 15 RSD
Electronic order in favor of an account outside Erste Bank up to 0.25%, min RSD 15 *
RSD 300,000 - Instant payment
Interni prenos sredstava sa računa kreditnih kartica 2,00%, min 15 RSD
5.1.10. *
Internal transfer of funds from the accounts of credit cards 2.00%, min RSD 15
Doznaka u zemlji u stranoj valuti 0,40%, min 600 RSD, max 20.000 RSD
5.1.11. *
FX payment transfer in Serbia 0.40%, min RSD 600, max RSD 20,000
Doznaka prema inostranstvu u stranoj valuti 0,40%, min 600 RSD, max 20.000 RSD
5.1.12. *
FX international payment transfer 0.40%, min RSD 600, max RSD 20,000
1
Doznaka prema inostranstvu u EUR i USD u okviru Erste Grupe
5.1.13.
do 10.000 EUR 500 RSD
International payment transfer in EUR and USD within Erste Group1 up RSD 500 *
to EUR 10,000
Doznaka prema inostranstvu u EUR i USD u okviru Erste Grupe1 preko
5.1.14.
10.000 EUR 0,30%, max 15.000 RSD
International payment transfer in EUR and USD within Erste Group1 of 0,30%, max RSD 15,000 *
more than EUR 10,000
1
Doznaka prema inostranstvu u EUR and USD u okviru Erste Grupe za
5.1.15.
Premium Gold klijente bez obzira na iznos doznake 500 RSD
1
International payment transfer in EUR and USD within Erste Group for RSD 500 *
Premium Gold clients regardless of the amount of the payment transfer
Naknada troškova ino banke za doznake u okviru Erste Grupe 1 Bez naknade
5.1.16. *
Fee for costs of foreign bank for payment transfers within Erste Group 1 Free of charge
1
5.1.17.
Naknada troškova ino banke za doznake van okvira Erste Grupe U skladu sa tarifom 2.1.4.1.
Fee for costs of foreign bank for payment transfers outside Erste Group 1 Pursuant to tariff 2.1.4.1. *
Prva Tan tablica Bez naknade

5.1.18. *
First TAN table Free of charge
Zamena Tan tablice na zahtev klijenta Bez naknade
5.1.19. *
Replacement of TAN table upon client's request Free of charge
Mobilno bankarstvo - mBanking
5.2.
MOBILE BANKING (mBanking)
10

Korišćenje usluge Bez naknade

5.2.1. *
Service use Free of charge
Elektronski nalog između računa fizičkih lica u Erste Bank Bez naknade
5.2.2. *
Electronic order between accounts of private individuals within Erste Bank Free of charge
Elektronski nalog u korist računa pravnog lica u Erste Bank - za Dinarski
5.2.3.
tekući račun sa osnovnim uslugama 0,17%, min 10 RSD, max 1.000 RSD
Electronic order in favour of corporate account within Erste Bank - for RSD 0.17%, min RSD 10, max RSD 1,000 *
current account with basic features
Elektronski nalog u korist računa pravnog lica u Erste Bank 0,25%, min 15 RSD, max 1.500 RSD
5.2.4. *
Electronic order in favour of corporate account within Erste Bank 0.25%, min RSD 15, max RSD 1,500
Elektronski nalog u korist računa van Erste Bank - za Dinarski tekući
5.2.5.
račun sa osnovnim uslugama 0,17%, min 10 RSD, max 1.000 RSD
Electronic order in favour of non-Erste Bank account - for RSD current 0.17%, min RSD 10, max RSD 1,000 *
account with basic features
Elektronski nalog u korist računa van Erste Bank 0,25%, min 15 RSD, max 1.500 RSD
5.2.6. *
Electronic order in favour of non-Erste Bank account 0.25%, min RSD 15, max RSD 1,500
Elektronski nalog u korist računa van Erste Bank do 300.000 RSD -
5.2.7.
Instant plaćanje (za Dinarski tekući račun sa osnovnim uslugama) 0,17%, min 10 RSD
Electronic order in favor of an account outside Erste Bank up to RSD 0.17%, min RSD 10 *
300,000 - Instant payment (for RSD current account with basic features)
Elektronski nalog u korist računa van Erste Bank do

5.2.8.
300.000 RSD - Instant plaćanje 0,25%, min 15 RSD
Electronic order in favor of an account outside Erste Bank up to 0.25%, min RSD 15 *
RSD 300,000 - Instant payment
Plaćanje na prodajnom mestu putem IPS QR koda Bez naknade
5.2.9. *
Payment at point of sale using IPS QR code Free of charge
Interni prenos sredstava sa računa kreditnih kartica 2,00%, min 15 RSD
5.2.10. *
Internal transfer of funds from the accounts of credit cards 2.00%, min RSD 15
Prva Tan tablica Bez naknade
5.2.11. *
First TAN table Free of charge
Zamena Tan tablice Bez naknade
5.2.12. *
Replacement of TAN table Free of charge
5.3.
SMS OBAVEŠTENJA (NovoMob)
SMS NOTIFICATIONS (NovoMob)
Korišćenje usluge po uključenom računu Bez naknade
5.3.1. *
Service use under the active account Free of charge
Inicirana poruka Po tarifi mobilnog operatera
5.3.2. *
Initiated message According to the tariff of the mobile operator
Alarm poruka 5 RSD
5.3.3. *
Alarm message RSD 5
¹1 Erste Grupa - uključujući i Kärnter/Steiermärkische Sparkasse, Erste Bank Crna Gora, Erste Bosna i Hercegovina, Erste Bank Makedonija, Erste Bank Slovenija
Erste Group - incl. Kärnter/Steiermärkische Sparkasse, Erste Bank Crna Gora, Erste Bosna i Hercegovina, Erste Bank Makedonija, Erste Bank Slovenia
6. Garancije
Guarantees
Opis naknade Visina naknade Promenljivost
1,5% , min 4.000 RSD , jednokratno
1,5% , min RSD 4,000 , one-off
Provizija Erste Bank za izdavanje garancija
6.1. **
Commission of Erste Bank for guarantee issuance 1% , min 4.000 RSD , kvartalno
1% , min RSD 4,000 , quarterly
Naknada za izmene uslova garancije, produženje roka 0,1%, min 1.000 RSD
6.2. **
Fee for changes of guarantee conditions, prolongation of tenor 0,1%, min RSD 1,000
11
Ostale usluge
7. Other Services
Izdavanje potvrda
7.1.
Issuance of certificates
Potvrda o stanju duga po kreditu dva puta godišnje (01.01. i 01.07.)
na način ugovoren sa klijentom Bez naknade
7.1.1. Certificate on debt balance under the loan twice a year (1 January and 1 July) *
Free of charge
in the manner agreed with the client
Izdavanje potvrda 300 RSD
7.1.2. *
Issuance of certificates RSD 300
Potvrda o zatvaranju proizvoda u Erste Bank (krediti, kreditne kartice,
tekući računi...) Bez naknade
7.1.3. *
Certificate on closing a product in Erste Bank (loan, credit cards, Free of charge
current accounts...)
Provera ispravnosti novčanica u stranoj valuti /
7.2. zamena oštećenih novčanica
Verification of FX banknotes / replacement of damaged banknotes
Provera ispravnosti novčanica u stranoj valuti 0,80%, min 100 RSD max 5.000 RSD
7.2.1. *
Verification of FX banknotes 0.80%, min RSD 100, max RSD 5,000
Zamena oštećenih novčanica u stranoj valuti 5,00% nominalne vrednosti
7.2.2. *
Replacement of damaged FX banknotes 5.00% of nominal value
Zamena oštećenih novčanica u domaćoj valuti Bez naknade
7.2.3. *
Replacement of damaged banknotes in domestic currency Free of charge
Menice
7.3.
Bills of exchange
Menica 50 RSD
7.3.1. **
Bills of exchange RSD 50
Prva menica za podnosioca zahteva za gotovinski kredit uz mogućnost
refinansiranja putem NetBanking-a, mBanking-a i web site-a, dozvoljeno
prekoračenje računa, unapred odobreni kredit i unapred odobrenu Bez naknade
7.3.2. kreditnu karticu **
First bill of exchange for applicant for cash loans including refinance option Free of charge
throuth NetBanking, mBanking and website, overdraft, pre-approved loans
and pre-approved credit cards
Slanje novca putem Western Union-a
7.4.
Sending cash via Western Union
Naknada za slanje novca putem Western Union-a Prema Cenovniku Western Union-a
7.4.1.
Fee for sending cash via Western Union According to the pricelist of Western Union
Naknada za izvode iz RPG
7.5.
Fee for excerpts from RPG (Register of Registered Farms)
Naknada za povlačenje izvoda iz Registra poljoprivrednih gazdinstava na

osnovu dokaza o plaćenoj taksi Upravi za agrarna plaćanja od strane
klijenta (ukoliko je takva taksa definisana) Bez naknade
7.5.1. **
Fee for withdrawing excerpt from Register of Registered Farms based on the Free of charge
evidence of the paid tax to the Directorate for Agrarian Payments by the client
(if such tax is defined)
Ostalo
7.6.
Other
Izvršenje sudskih rešenja i naloga drugih organa 1%, min 500 RSD max 3.000 RSD
7.6.1. Enforcement of court decisions and decisions of other authorities *
1%, min RSD 500, max RSD 3,000
12
Sefovi
8. Safe box
Prome-
Dimenzija Mesečni zakup Kvartalni zakup Polugodišnji zakup Godišnji zakup nljivost
Dimension Monthly lease Quarterly lease Semi-annual lease Annual lease Variability
Kategorija I 2.600 RSD 7.000 RSD 11.000 RSD 20.000 RSD
8.1. RSD 11,000 RSD 20,000 *
Category I RSD 2,600 RSD 7,000
Kategorija II 3.200 RSD 8.000 RSD 13.000 RSD 22.000 RSD
8.2. RSD 13,000 RSD 22,000 *
Category II RSD 3,200 RSD 8,000
Kategorija III 3.600 RSD 9.000 RSD 15.000 RSD 24.000 RSD
8.3. RSD 15,000 RSD 24,000 *
Category III RSD 3,600 RSD 9,000
Zamena ključa 12.000 RSD
8.4. RSD 12,000 *
Key replacement
U cenu nije uključen PDV
VAT is not included in the price
Korisnici sefova sa aktivnim tekućim računom ili oročenim/a vista depozitom u banci dobijaju popust od 50% u odnosu na gore navedene
cene. Klijentom odnosno, korisnikom sefa sa aktivnim statusom u Banci, smatraće se korisnici koji poseduju tekući račun putem kojeg je
izvršeno makar tri transakcije tokom poslednja tri meseca, ili oročeni i/ili depoziti po viđenju sa minimalnim prosečnim saldom od 1.000
evra ili istog iznosa u drugoj valuti po srednjem kursu NBS tokom prethodna tri meseca.
Customers that have an active current account or term deposit in the bank get the 50% discount on prices listed above. Active current account is
defined as such if it has had at least 3 transactions during the last 3 months, while the lower bound value for term or a vista deposit is a 3-month
average balance of 1.000 EUR (or in RSD/USD equivalent)
Naknada za izveštaj kreditnog biroa

9. Credit Bureau Report Fee
Opis naknade Visina naknade
Fee description Fee amount
Osnovni izveštaj
9.1.
Basic report
Za podnosioca zahteva / solidarnog dužnika / jemca Po tarifi Udruženja banaka Srbije
9.1.1.
For applicant / joint debtor / guarantor According to the tariff of the Association of Serbian Banks
Za podnosioca zahteva za gotovinski kredit putem NetBanking-a,
9.1.2.
mBanking-a i web site-a i dozvoljeno prekoračenje računa Bez naknade za prvi izveštaj kreditnog biroa
For applicant for cash loan through NetBanking, mBanking and Free of charge for the first report of Credit Bureau
website and overdraft
Za podnosioca zahteva za gotovinski kredit uz mogućnost refinansiranja
putem NetBanking-a, mBanking-a i web site-a Bez naknade za prvi i drugi izveštaj kreditnog biroa
9.1.3.
For applicant for cash loan including refinance option through NetBanking, Free of charge for the first and second report of Credit Bureau
mBanking and website
Lični izveštaj Po tarifi Udruženja banaka Srbije
9.2.
Personal report According to the tariff of the Association of Serbian Banks
13
10. Naknade za debitne kartice
Debit Card Fees
Vrsta Dinamika Prome-
Opis naknade Mastercard Mastercard Mastercard Mastercard Visa naknade plaćanja nljivost
Fee description DinaCard Visa Classic Faster Gold omladinska devizna kartica poklon kartica Variabi-
Fee type Payment rate lity
IZDAVANJE DEBITNE KARTICE
10.1. ISSUANCE OF A DEBIT CARD
1
• Za osnovnu karticu Bez naknade Bez naknade Bez naknade Bez naknade Bez naknade 400 RSD1 250 RSD Promenljiva Jednokratno
10.1.1. • For basic card Free of charge Free of charge Free of charge Free of charge Free of charge RSD 400 RSD 250 Variable One-off *
1
• Za dodatnu karticu Bez naknade 400 RSD 400 RSD – – 400 RSD1 – Promenljiva Jednokratno
10.1.2. • For additional card Free of charge RSD 400 RSD 400 RSD 400 Variable One-off *
10.1.3. Naknada za izradu treće kartice (za vlasnika računa) – 1.000 RSD 1.000 RSD – – – – Promenljiva Jednokratno
Fee for the creation of other card (for account owner) RSD 1,000 RSD 1,000 Variable One-off *
10.2. REIZDAVANJE DEBITNE KARTICE
REISSUANCE OF A DEBIT CARD
1
• Za osnovnu karticu Bez naknade Bez naknade Bez naknade Bez naknade Bez naknade 400 RSD1 – Promenljiva Jednokratno
10.2.1. • For basic card Free of charge Free of charge Free of charge Free of charge Free of charge RSD 400 Variable One-off *
1
• Za dodatnu karticu Bez naknade 400 RSD 400 RSD – – 400 RSD1 – Promenljiva Jednokratno
10.2.2. • For additional card Free of charge RSD 400 RSD 400 RSD 400 Variable One-off *
Naknada za izdavanje nove kartice usled gubitka / krađe
ili po zahtevu korisnika Bez naknade 400 RSD 400 RSD 400 RSD 400 RSD 400 RSD11 Promenljiva Jednokratno
10.2.3. Fee for issuance of a new card due to loss/theft or upon Free of charge RSD 400 RSD 400 RSD 400 RSD 400 – Variable One-off *
the client's request RSD 400
10.3. ODRŽAVANJE DEBITNE KARTICE

FEE FOR MAINTAINING A DEBIT CARD
• Osnovna kartica Bez naknade Bez naknade Bez naknade Bez naknade Bez naknade Bez naknade –
10.3.1. • Basic card Free of charge Free of charge Free of charge Free of charge Free of charge Free of charge *
• Dodatna kartica Bez naknade Bez naknade Bez naknade – – Bez naknade –
10.3.2. • Additional card Free of charge Free of charge Free of charge Free of charge *
ISPLATA GOTOVOG NOVCA KORIŠĆENJEM PLATNE KARTICE
10.4. PAYMENT OF CASH USING PAYMENT CARD
Naknada za podizanje gotovine u zemlji
10.4.1. Fee for cash withdrawal in Serbia
• Na bankomatima Erste Bank Bez naknade Bez naknade Bez naknade Bez naknade Bez naknade Bez naknade Promenljiva Jednokratno,
10.4.1.1. – po transakciji
• At Erste Bank ATMs Free of charge Free of charge Free of charge Free of charge Free of charge Free of charge Variable One-off, per transaction *
1
2%, min 200 RSD 2%, min 200 RSD 2%, min 200 RSD 2%, min 200 RSD 2%, min 200 RSD1
2%, min RSD 200 2%, min RSD 200 2%, min RSD 200 2%, min RSD 200 2%, min RSD 200
Naknada sa Naknada sa Naknada sa Naknada sa Naknada sa
• Na bankomatima drugih banaka popustom do popustom do popustom do Bez naknade popustom do popustom do Promenljiva Jednokratno,
10.4.1.2. 31.08.2023. godine: 31.08.2023. godine: 31.08.2023. godine: 31.08.2023. godine: 31.08.2023. godine: – po transakciji
• At other banks' ATMs Free of charge 1 Variable One-off, per transaction *
2%, min 150 RSD 2%, min 150 RSD 2%, min 150 RSD 2%, min 150 RSD 2%, min 150 RSD
Fee with discount up Fee with discount up Fee with discount up Fee with discount up Fee with discount up
to 31.08.2023: to 31.08.2023: to 31.08.2023: to 31.08.2023: to 31.08.2023: 1
2%, min RSD 150 2%, min RSD 150 2%, min RSD 150 2%, min RSD 150 2%, min RSD 150
• Na šalteru Erste Bank Bez naknade Bez naknade Bez naknade Bez naknade Bez naknade Bez naknade Bez naknade Promenljiva Jednokratno,
10.4.1.3. po transakciji *
• At Erste Bank teller desk Free of charge Free of charge Free of charge Free of charge Free of charge Free of charge Free of charge Variable One-off, per transaction
1
2%, min 250 RSD 2%, min 250 RSD 2%, min 250 RSD 2%, min 250 RSD 2%, min 250 RSD 2%, min 250 RSD1
2%, min RSD 250 2%, min RSD 250 2%, min RSD 250 2%, min RSD 250 2%, min RSD 250 2%, min RSD 250
Naknada sa Naknada sa Naknada sa Naknada sa Naknada sa Naknada sa
• Na šalteru drugih banaka popustom do popustom do popustom do popustom do popustom do popustom do Promenljiva Jednokratno,
10.4.1.4. 31.08.2023. godine: 31.08.2023. godine: 31.08.2023. godine: 31.08.2023. godine: 31.08.2023. godine: 31.08.2023. godine: – po transakciji
• At other banks' teller desks 1 Variable One-off, per transaction *
2%, min 200 RSD 2%, min 200 RSD 2%, min 200 RSD 2%, min 200 RSD 2%, min 200 RSD 2%, min 200 RSD
Fee with discount up Fee with discount up Fee with discount up Fee with discount up Fee with discount up Fee with discount up
to 31.08.2023: to 31.08.2023: to 31.08.2023: to 31.08.2023: to 31.08.2023: to 31.08.2023: 1
2%, min RSD 200 2%, min RSD 200 2%, min RSD 200 2%, min RSD 200 2%, min RSD 200 2%, min RSD 200
Naknada za podizanje gotovine u inostranstvu
10.4.2. Fee for cash withdrawal abroad
Na bankomatima Erste Grupe Bez naknade Bez naknade Bez naknade Bez naknade Bez naknade Promenljiva Jednokratno,
10.4.2.1. – – po transakciji
At Erste Group ATMs Free of charge Free of charge Free of charge Free of charge Free of charge Variable One-off, per transaction *
1 Jednokratno,
10.4.2.2. Na bankomatima u inostranstvu – 2%, min 350 RSD 2%, min 350 RSD 2%, min 350 RSD 2%, min 350 RSD 2%, min 350 RSD1 – Promenljiva po transakciji
At ATMs abroad 2%, min RSD 350 2%, min RSD 350 2%, min RSD 350 2%, min RSD 350 2%, min RSD 350 Variable One-off, per transaction *
1 Jednokratno,
10.4.2.3. Na šalteru u inostranstvu – 3%, min 350 RSD 3%, min 350 RSD 3%, min 350 RSD 3%, min 350 RSD 3%, min 350 RSD1 – Promenljiva po transakciji
On teller desk abroad 3%, min RSD 350 3%, min RSD 350 3%, min RSD 350 3%, min RSD 350 3%, min RSD 350 Variable One-off, per transaction *
10.5. PLAĆANJE PLATNOM KARTICOM NA PRODAJNOM MESTU TRGOVCA
PAYMENT USING PAYMENT CARD AT MERCHANT’S POINT OF SALE
• Naknada za POS transakcije u zemlji Bez naknade Bez naknade Bez naknade Bez naknade Bez naknade Bez naknade Bez naknade Promenljiva Jednokratno,
po transakciji *
10.5.1. • Fee for POS transactions in Serbia Free of charge Free of charge Free of charge Free of charge Free of charge Free of charge Free of charge Variable One-off, per transaction
Naknada za POS transakcije u inostranstvu Bez naknade Bez naknade Bez naknade Bez naknade Bez naknade Promenljiva Jednokratno,
10.5.2. – 1,50% po transakciji *
Fee for POS transactions abroad Free of charge Free of charge Free of charge Free of charge Free of charge Variable One-off, per transaction
14
10.6. OSTALO
OTHER
Vrsta Dinamika Prome-
Opis naknade Mastercard Mastercard Mastercard Mastercard Visa naknade plaćanja nljivost
Fee description DinaCard Visa Classic Faster Gold omladinska devizna kartica poklon kartica Fee type Payment rate Variabi-
lity
Naknada za blokadu kartice Bez naknade
10.6.1. Fee for blocking a card Free of charge *
Naknada za ponovno izdavanje PIN-a za debitne kartice 300 RSD Promenljiva Jednokratno,
10.6.2. Fee for reissuance of PIN for debit cards – po zahtevu *
RSD 300 Variable One-off, at the order
1 Jednokratno,
10.6.3. Naknada za promenu PIN-a za debitne kartice na bankomatima – 15 RSD 15 RSD1 – Promenljiva po zahtevu
Fee for the change of PIN at the ATM for debit cards RSD 15 RSD 15 Variable One-off, at the order *
1
Naknada za upit stanja za debitne kartice na bankomatima Erste Bank 20 RSD 20 RSD1 – Promenljiva Jednokratno, po upitu
10.6.4. Fee for the inquiry of the balance for debt cards at Erste Bank ATMs RSD 20 RSD 20 Variable One-off, at the order *
Naknada za upit stanja za debitne kartice na 1
bankomatima drugih banaka 20 RSD 20 RSD1 – Promenljiva Jednokratno, po upitu
10.6.5. Fee for the inquiry of the balance for debt cards at ATMs of RSD 20 RSD 20 Variable One-off, at the order *
other banks
Troškovi reklamacije Bez naknade Promenljiva Jednokratno,
10.6.6. po reklamaciji
Reclamation costs Free of charge Variable One-off, per reclamation *
Objavljivanje kartice u biltenu nevažećih kartica Prema tarifi kartične šeme Promenljiva
10.6.7. Reporting of the card in the Invalid Card Bulletin According to the card scheme tariff Variable *
1
Naknade izražene u RSD se obračunavaju u raspoloživoj valuti po kupovnom kursu Erste Bank na dan valute, ukoliko se radi o Kartici koja je vezana za devizni tekući račun.
¹ Fees given in RSD are calculated according to the available currency under Erste Bank purchase exchange rate on the day of the currency, in case of a card which is connected to an FX current account.
15
11. Naknade za kreditne kartice
Credit Card Fees
Opis naknade Vrsta naknade Dinamika plaćanja Prome-
nljivost
Fee description Dina VISA Classic Mastercard VISA Gold Fee type Payment rate Variability
11.1. IZDAVANJE KREDITNE KARTICE
ISSUANCE OF A CREDIT CARD
11.1.1. • Osnovna kartica Bez naknade Bez naknade Bez naknade Bez naknade Promenljiva Jednokratno
• Basic card Free of charge Free of charge Free of charge Free of charge Variable One-off *
11.1.2. • Dodatna kartica Bez naknade Bez naknade Bez naknade Bez naknade Promenljiva Jednokratno
• Additional card Free of charge Free of charge Free of charge Free of charge Variable One-off *
11.2.
REIZDAVANJE KREDITNE KARTICE
REISSUANCE OF A CREDIT CARD
11.2.1. • Osnovna kartica Bez naknade Bez naknade Bez naknade Bez naknade Promenljiva Jednokratno
• Basic card Free of charge Free of charge Free of charge Free of charge Variable One-off *
11.2.2. • Dodatna kartica Bez naknade Bez naknade Bez naknade Bez naknade Promenljiva Jednokratno
• Additional card Free of charge Free of charge Free of charge Free of charge Variable One-off *
Naknada za izdavanje nove kartice usled gubitka / krađe
11.2.3.
ili po zahtevu korisnika 600 RSD 600 RSD 600 RSD 600 RSD Promenljiva Jednokratno
Fee for issuance of a new card due to loss/theft or upon RSD 600 RSD 600 RSD 600 RSD 600 Variable One-off *
the client's request
11.3. ODRŽAVANJE KREDITNE KARTICE
FEE FOR MAINTAINING A CREDIT CARD
11.3.1. • Osnovna kartica 110 RSD 195 RSD 195 RSD 365 RSD Promenljiva Mesečno
• Basic card RSD 110 RSD 195 RSD 195 RSD 365 Variable Monthly *
11.3.2. • Dodatna kartica 85 RSD 110 RSD 110 RSD 275 RSD Promenljiva Mesečno
• Additional card RSD 85 RSD 110 RSD 110 RSD 275 Variable Monthly *
11.4.
ISPLATA GOTOVOG NOVCA KORIŠĆENJEM PLATNE KARTICE
PAYMENT OF CASH USING PAYMENT CARD
11.4.1.
Naknada za podizanje gotovine u zemlji
Fee for cash withdrawal in Serbia
2%, min 200 RSD 2%, min 200 RSD 2%, min 200 RSD 2%, min 200 RSD
2%, min RSD 200 2%, min RSD 200 2%, min RSD 200 2%, min RSD 200
Naknada sa Naknada sa Naknada sa Naknada sa
• Na bankomatima Erste Bank popustom do popustom do popustom do popustom do Promenljiva Jednokratno,
11.4.1.1. 31.08.2023. godine: 31.08.2023. godine: 31.08.2023. godine: 31.08.2023. godine: po transakciji *
• At Erste Bank ATMs 2%, min 150 RSD 2%, min 150 RSD 2%, min 150 RSD 2%, min 150 RSD Variable One-off, per transaction
Fee with discount up to Fee with discount up to Fee with discount up to Fee with discount up to
31.08.2023: 31.08.2023: 31.08.2023: 31.08.2023:
3%, min 250 RSD 3%, min 250 RSD 3%, min 250 RSD 3%, min 250 RSD
Naknada sa Naknada sa Naknada sa Naknada sa
• Na bankomatima drugih banaka popustom do popustom do popustom do popustom do Promenljiva Jednokratno,
11.4.1.2. 31.08.2023. godine: 31.08.2023. godine: 31.08.2023. godine: 31.08.2023. godine: po transakciji *
• At other banks' ATMs 3%, min 200 RSD 3%, min 200 RSD 3%, min 200 RSD 3%, min 200 RSD Variable One-off, per transaction
Fee with discount up to Fee with discount up to Fee with discount up to Fee with discount up to
31.08.2023: 31.08.2023: 31.08.2023: 31.08.2023:
• Na šalteru Erste Bank 3%, min 200 RSD 3%, min 200 RSD 3%, min 200 RSD 3%, min 200 RSD Promenljiva Jednokratno,
• At Erste Bank teller desk 3%, min RSD 200 3%, min RSD 200 3%, min RSD 200 3%, min RSD 200 Variable One-off, per transaction
• Na šalteru Erste Bank - u slučaju zatvaranja dugovanja Jednokratno,
11.4.1.3.1. po Dina kartici sa revalorizacijom 3%, min 200 RSD 3%, min 200 RSD Bez naknade 3%, min 200 RSD Promenljiva po transakciji
• At Erste Bank teller desk - in case of closing the debt on 3%, min RSD 200 3%, min RSD 200 Free of charge 3%, min RSD 200 Variable One-off, per transaction *
the Dina card with revalorisation
• Na šalteru drugih banaka 3%, min 250 RSD 3%, min 250 RSD 3%, min 250 RSD 3%, min 250 RSD Promenljiva Jednokratno,
• At other banks' teller desk 3%, min RSD 250 3%, min RSD 250 3%, min RSD 250 3%, min RSD 250 Variable One-off, per transaction
Naknada za podizanje gotovine u inostranstvu
11.4.2. Fee for cash withdrawal abroad
2%, min 200 RSD 2%, min 200 RSD 2%, min 200 RSD
2%, min RSD 200 2%, min RSD 200 2%, min RSD 200
Naknada sa Naknada sa Naknada sa
• Na bankomatima Erste Grupe popustom do popustom do popustom do Promenljiva Jednokratno,
11.4.2.1. – 31.08.2023. godine: 31.08.2023. godine: 31.08.2023. godine: po transakciji *
• At Erste Group ATMs 2%, min 150 RSD 2%, min 150 RSD 2%, min 150 RSD Variable One-off, per transaction
Fee with discount up to Fee with discount up to Fee with discount up to
31.08.2023: 31.08.2023: 31.08.2023:
2%, min RSD 150 2%, min RSD 150 2%, min RSD 150
• Na bankomatima u inostranstvu 3%, min 350 RSD 3%, min 350 RSD 3%, min 350 RSD Promenljiva Jednokratno,
11.4.2.2. – po transakciji *
• At ATMs abroad 3%, min RSD 350 3%, min RSD 350 3%, min RSD 350 Variable One-off, per transaction
16
• Na šalteru u inostranstvu 3%, min 350 RSD 3%, min 350 RSD 3%, min 350 RSD Promenljiva Jednokratno,
– po transakciji *
11.4.2.3. • On teller desk abroad 3%, min RSD 350 3%, min RSD 350 3%, min RSD 350 Variable One-off, per transaction
11.5. PLAĆANJE PLATNOM KARTICOM NA PRODAJNOM MESTU TRGOVCA
PAYMENT USING PAYMENT CARD AT MERCHANT’S POINT OF SALE
• Naknada za POS transakcije u zemlji Bez naknade Bez naknade Bez naknade Bez naknade Promenljiva Jednokratno,
po transakciji
Opis naknade Vrsta naknade Dinamika plaćanja Prome-
nljivost
Fee description Dina VISA Classic Mastercard VISA Gold Fee type Payment rate Variability
• Naknada za POS transakcije u inostranstvu Promenljiva Jednokratno,
11.5.2. – 1,50% 1,00% 1,00% po transakciji *
• Fee for POS transactions abroad Variable One-off, per transaction
• Naknada za korišćenje na inostranim sajtovima Promenljiva Jednokratno,
11.5.3. – 1,50% 1,00% 1,00% po transakciji *****
• Fee for use on international websites Variable One-off, per transaction
OSTALO
11.6. OTHER
Naknada za blokadu kartice Bez naknade
11.6.1. Fee for blocking a card Free of charge *
Naknada za ponovno izdavanje PIN-a za kreditne kartice 300 RSD Promenljiva Jednokratno,
11.6.2. Fee for the reissuance of PIN for credit cards – po zahtevu *
RSD 300 Variable One-off, at the order
Naknada za promenu PIN-a za kreditne kartice 15 RSD Promenljiva Jednokratno,
11.6.3. na bankomatima – po zahtevu *
Fee for the change of PIN at the ATM for credit cards RSD 15 Variable One-off, at the order
Naknada za upit stanja za kreditne kartice na bankomatima

11.6.4. Erste Bank 20 RSD Promenljiva Jednokratno, po upitu
Fee for the change of PIN at the ATM for credit cards RSD 20 Variable One-off, at the order *
Naknada za upit stanja za kreditne kartice na Jednokratno, po upitu

11.6.5. bankomatima drugih banaka 20 RSD Promenljiva
Fee for the inquiry of the balance for credit cards at ATMs RSD 20 Variable One-off, at the order *
of other banks
Naknada za dodatne pogodnosti po Visa i MasterCard
11.6.6. kreditnoj kartici - putno osiguranje
Fee for additional benefits with Visa and MasterCard
credit card - travel insurance
Godišnja naknada za putno osiguranje World (sve zemlje
osim SAD, Kanade, Australije i Novog Zelanda) period
pokrića 30 dana, trajanje 365 dana, osigurana suma 2.100 RSD 2.100 RSD Promenljiva Pri podnošenju
11.6.6.1. EUR 30.000 – RSD 2,100 RSD 2,100 – Variable zahteva
Annual World travel insurance fee (all countries except USA, When applying
Canada, Australia, and New Zealand) cover period 30 days,
duration 365 days, insured sum EUR 30,000
Godišnja naknada za putno osiguranje World (sve zemlje
osim SAD, Kanade, Australije i Novog Zelanda) period
pokrića 90 dana, trajanje 365 dana, osigurana suma Pri podnošenju

11.6.6.2. EUR 30.000 – 2.600 RSD 2.600 RSD – Promenljiva zahteva

RSD 2,600 RSD 2,600 Variable When applying
Annual World travel insurance fee (all countries except USA,
Canada, Australia, and New Zealand) cover period 90 days,
duration 365 days, insured sum EUR 30,000
Godišnja naknada za putno osiguranje World Wide
(sve zemlje sveta) period pokrića 30 dana, trajanje Pri podnošenju
11.6.6.3. 365 dana, osigurana suma EUR 30.000 – 2.600 RSD 2.600 RSD – Promenljiva zahteva
Annual World travel insurance fee (all countries of the RSD 2,600 RSD 2,600 Variable When applying
world) cover period 30 days, duration 365 days, insured
sum EUR 30,000
Godišnja naknada za putno osiguranje World Wide
(sve zemlje sveta) period pokrića 90 dana, trajanje Pri podnošenju
11.6.6.4. 365 dana, osigurana suma EUR 30.000 – 3.500 RSD 3.500 RSD – Promenljiva zahteva
Annual World travel insurance fee (all countries of the RSD 3,500 RSD 3,500 Variable When applying
world) cover period 90 days, duration 365 days, insured
sum EUR 30,000
Troškovi reklamacije Bez naknade
11.6.7. Reclamation costs Free of charge *
Objavljivanje kartice u biltenu nevažećih kartica Prema tarifi kartične šeme
11.6.8. Reporting of the card in the Invalid Card Bulletin According to the pentality table *
Promena uslova po revolving kreditu 500 RSD Promenljiva Pri podnošenju
11.6.9. Change of conditions under revolving loan RSD 500 Variable zahteva ***
When applying
Naknada za prevremenu, potpunu ili delimičnu otplatu Bez naknade
11.6.10. Fee for prepayment, full or partial repayment Free of charge ***
Naknada za slanje opomena po kreditu 200 RSD Promenljiva Po opomeni
11.6.11. Fee for sending warnings under loans RSD 200 Variable Per warning ***
Penali u slučaju neizmirenja ugovornih obaveza Prema tabeli penala
11.6.12. Penalties in case of unsettled liabilities According to the penalty table
1
1
Naknade izražene u EUR se obračunavaju u dinarskoj protivvrednosti po srednjem kursu NBS na dan valute.
17
Fees in EUR are calculated in RSD counter value according to the middle NBS rate as of the date of the currency.
12. NAKNADE ZA KREDITNE PROIZVODE

FEES FOR LENDING PRODUCTS
Prome-
NAKNADE ZA KREDITNE PROIZVODE PRILIKOM ODOBRENJA KREDITNIH PROIZVODA I
12.1. REODOBRENJA KREDITNIH PROIZVODA (ADMINISTRIRANJA)
FEES FOR LENDING PRODUCTS AT APPROVAL AND MONITORING
Naknade za kreditne proizvode prilikom odobrenja za fizička lica

12.1.1. Fees at approval and monitoring for private individuals
Naknade za odobrenje anuitetskih kreditnih proizvoda Promenljiva Bez naknade

12.1.1.1. **
Fees for the approval of annuity lending products Variable Free of charge
Naknada za odobrenje dozvoljenog prekoračenja računa Promenljiva Bez naknade

12.1.1.2. Fee for approval of overdraft **
Variable Free of charge
Naknada za administriranje (monitoring) dozvoljenog Bez naknade

12.1.1.3. prekoračenja računa Promenljiva
Variable Free of charge *
Fee for the administration (monitoring) of overdraft
Naknada za odobrenje kreditne kartice Promenljiva Bez naknade

12.1.1.4. Fee for credit card approval Variable Free of charge **
*Naknada za obradu kreditnog zahteva obračunava se u odnosu na iznos odobrenog kredita.
* Management fee is calculated in relation to the amount of amount of the approved loan.
Naknade za obradu kreditnog zahteva za registrovana poljoprivredna gazdinstva

12.2.1.
Fees at approval and monitoring for Registered farms
U zavisnosti od
Kredit za obrtna sredstva RPG - fizička lica iznosa **
12.2.1.1. Loan for working capital of registered farms - odobrenog
private individuals kredita:
<10.000 EUR:
2%;
10.000 EUR –
24.999 EUR:
1%;
Kredit za trajna obrtna sredstva RPG - fizička lica ≥ 25.000 EUR: Pre plasiranja kredita
12.2.1.2. Loan for permanent working capital of registered Promenljiva 0,5%; a min Prior to loan
Variable 3.000 RSD
**
farms - private individuals disbursement
Depending on the
amount of the
approved limit:
<EUR 10,000: 2%
EUR 10,000 -
Investicioni kredit RPG - fizička lica EUR 24,999: 1%
12.2.1.3.
Investment loan of registered farms - private individuals ≥ EUR 25,000: **
0.5%; and min
RSD 3,000
12.2.1.4.
Okvirni višenamenski limit Promenljiva Bez naknade
Framework multi-purpose limit Variable Free of charge **
Ostale naknade za kreditne zahteva za registrovana poljoprivredna gazdinstva

12.2.2. Other fees for Registered farms lending products
12.2.2.1.
Administriranje Promenljiva Bez naknade
Administration Variable Free of charge ***
12.2.2.2. Rezervaciju sredstava za neiskorišćeni iznos Promenljiva Bez naknade

Provision of funds for unused amount Variable Free of charge ***
12.2.2.3. Šteta za nenajavljenu uplatu Promenljiva Bez naknade

Indemnity for non-announced payment Variable Free of charge ***
18
Prome-
12.2.2.4.
Prevremenu potpunu ili delimičnu otplatu kredita Promenljiva Bez naknade
Complete or partial loan prepayment Variable Free of charge ***
12.2.2.5.
Prevremenu otplatu u slučaju refinansiranja Promenljiva Bez naknade
Prepayment in the event of refinance Variable Free of charge ***
0,5% u odnosu
na iznos
Neispunjenje ugovorenih uslova o obavljanju odobrenog
12.2.2.6.
platnog prometa* Promenljiva kredita.
Non-fulfilment of agreed conditions in payment Variable 0.5% in relation ***
transaction execution* to the amount
of the
approved loan.
0,3% u odnosu
na iznos
odobrenog
kredita, min
12.2.2.7. Izmenu ugovorenih uslova Promenljiva 3.000 RSD
Variable 0.5% in relation ***
Change in the agreement conditions to the amount
of the
approved loan,
min RSD 3,000
NAKNADE ZA KREDITNE PROIZVODE (u toku otplate kredita)

12.2. FEES FOR LENDING PRODUCTS (during loan repayment)
Prome-
12.2.1.
Opšte naknade Vrsta naknade Visina naknade Dinamika plaćanja nljivost
General fees Fee type Fee amount Payment rate Variability
Penali u slučaju neizmirenja ugovornih obaveza Prema tabeli penala

12.2.1.1. According to the ***
Penalties in case of non-settlement of contractual liabilities penalty table
Naknada za slanje opomena po kreditu Promenljiva 200 RSD Po opomeni

12.2.1.2.
Fee for sending credit warnings Variable RSD 200 Per warning ***
12.2.1.3.
Naknada za preindeksaciju kredita Bez naknade
Fee for pre-indexation of loans Free of charge ***
Naknada za prevremenu otplatu kredita ukoliko se kredit

otplaćuje aktivacijom kolaterala Bez naknade
12.2.1.4. (prodaja hipoteke, životno osiguranje,...) ***
Early repayment fee if the loan is repaid by collateral activation Free of charge
(mortgage sales, life insurance...)
12.2.2.
Naknade za nestambene kredite
Fees for non-housing loans
Naknada za obradu kreditnog zahteva u slučaju kada se

odobrenim kreditom preuzimaju / zatvaraju obaveze Bez naknade ***
12.2.2.1. preminulog korisnika kredita Free of charge
Management fee in case when liabilities of decreased
borrower's are overtaken/closed by the approved loan
Naknada za prevremenu potpunu ili delimičnu otplatu kredita Bez naknade

12.2.2.2.
Fee for complete or partly early repayment Free of charge ***
12.2.2.3.
Naknada za skraćenje roka otplate kredita Promenljiva 3.000 RSD podnošenja zahteva
Fee for decrease of loan repayment tenor Variable RSD 3,000 One-off, when filing ***
the application
Mogućnost zamene instrumenata obezbeđenja u toku Jednokratno, prilikom
otplate kredita - na zahtev klijenta Promenljiva 3.000 RSD podnošenja zahteva
12.2.2.4.
Possibility of replacement of collateral during loan Variable RSD 3,000 One-off, when filing ***
repayment - upon the client's request the application
19
Prome-
12.2.3.
Naknade za stambene kredite
Fees for housing loans
Naknada za obradu zahteva za osiguranje kod Jednokratno, prilikom

12.2.3.1. NKOSK-a - na zahtev klijenta 30 RSD podnošenja zahteva
Management fee for NKOSK insurance - upon the client's request RSD 30 One-off, when filing
the application
Naknada za skraćenje roka otplate kredita - na zahtev klijenta Jednokratno, prilikom
Fee for decrease of loan repayment tenor - upon the Promenljiva 5.000 RSD podnošenja zahteva
12.2.3.2. Variable RSD 5,000 One-off, when filing ***
client's request the application
Mogućnost zamene instrumenata obezbeđenja u toku Jednokratno, prilikom
12.2.3.3.
otplate kredita - na zahtev klijenta Promenljiva 5.000 RSD podnošenja zahteva
Possibility of replacement of collateral during loan repayment Variable RSD 5,000 One-off, when filing ***
- upon the client's request the application
Naknada za prevremenu potpunu ili delimičnu otplatu 1% odnosno Jednokratno, prilikom
Stambenog kredita podnošenja zahteva
12.2.3.4. 0,5% 1 One-off, when filing ***
Fee for complete or partly early repayment of housing loans 1% i.e. 0.5%
1
the application
Naknade navedene u tabeli odnose se na sve aktivne kredite koje Erste Bank ima u svom portfoliju !
Fees stated in the table refer to alla ctive clients which Erste Bank has in its portfolio!
Naknade se obračunavaju u odnosu na ostatak duga.
Fees are calculated in relation to the debt remainder.
1
1
Uz ispunjenje propisanih uslova
With the settlement of stipulated conditions
12.4.
Uslovi prevremene otplate kredita
Conditions of early repayment
Naknada za prevremenu otplatu se može naplatiti samo ako je iznos prevremene otplate za 12 meseci veći od 1.000.000 RSD.
Fee for early repayment can be charged only if the amount of the prepayment for 12 mounts amounts more than RSD 1,000,000.
Naknada za prevremenu otplatu je 1%, a ukoliko je period između prevremene otplate i kraja otplate kredita kraći od jedne godine, naknada
može biti maksimalno 0,5%
Fee for early repayment is 1%, and if the period between the prepayment and end of loan repayment is shorter than a year, the fee can be max. 0.5%.
Naknada za prevremenu otplatu ne može biti veća od visine pretrpljene štete, koja predstavlja razliku između ugovorene kamatne stope i
tržišne kamatne stope po kojoj se mogu plasirati prevremeno otplaćena sredstva.
Fee for early repayment cannot be higher than the amount of the damage, which is the difference between the agreed interest rate and market
interest rate according to which the prepaid funds can be disbursed.
Naknada ni u jednom slučaju ne može biti veća od iznosa kamate koji bi korisnik platio za taj period.
The fee can never be higher than the amount of interest which the borrower would pay for that period.
20
13. NAKNADE ZA NKOSK*

NKOSK FEES*
OPIS NAKNADE Visina naknade Vrsta naknade Dinamika plaćanja
Fee description Fee amount Fee type Payment rate
30 EUR u
dinarskoj
protivvrednosti
po srednjem Jednokratno, prilikom
Naknada za obradu zahteva kod NKOSK-a Promenljiva kursu NBS podnošenja zahteva
13.1. Management fee with NKOSK Variable One-off, when filing
EUR 30 in RSD the application
counter value
according to
middle NBS
exchange rate
u skladu sa
tebelom:
Premija
osiguranja Jednokratno, prilikom
Premija osiguranja kod NKOSK-a Fiksna kredita kod podnošenja zahteva
13.2. Insurance premium at NKOSK Fixed NKOSK-a One-off, when filing
in accordance the application
with the table:
Loan insurance
premium at
NKOSK
Premija osiguranja kredita kod NKOSK-a
13.3. Loan insurance premium at NKOSK
Valutna Indeksacija Kredita [1]

Loan currency indexation LTV ≤ 70 70 < LTV ≤ 80 80 < LTV ≤ 90
EUR 1,50% 2,50% 3,50%
CHF 1,95% 2,95% 3,95%
RSD 1,35% 2,35% 3,35%
*ukoliko korisnik kredita nema riziko životno osiguranje vinkulirano na Erste Bank navedene premije se uvećavaju za 0,25%
*if the borrower has no risk life insurance assigned to Erste Bank, the stated premiums are increased for 0.25%
*ukoliko je predmet hipoteke takozvani „objekat u izgradnji“ navedene premije se uvećavaju za 0,5%
*if the subject of the mortgage is the so-called "facility under construction", the stated premiums are increased for 0.5%
*ukoliko je predmet hipoteke objekat legalizovan po osnovu Zakona o planiranju i izgradnji ( „Sl. glasnik RS“ br. 72/2009) na osnovu
minimalne tehničke dokumentacije iz članova 188, 189 i 191., navedene premije se uvećavaju se za 0,15%
*if the subject of the mortgage is a facility legalized based on the Law on Planning and Contruction ("Official Gazette of RS", no. 72/2009) based
on the minimum technical documentation from Articles 188, 189 and 191, the stated premiums are increased for 0.15%
*ukoliko je stepen kreditne zaduženosti korisnika kredita i solidarnih dužnika jednak ili veći 60% navedene premije se uvećavaju za 0,5%
*if the degree of indebtedness of the borrower and joint debtors is equal or higher than 60%, the stated premiums are increased for 0.5%
*ukoliko je stepen kreditne zaduženosti korisnika kredita i solidarnih dužnika jednak ili veći 70% navedene premije se uvećavaju za 1%
*if the degree of indebtedness of the borrower and joint debtors is equal or higher than 70%, the stated premiums are increased for 1%
*ukoliko je stepen kreditne zaduženosti korisnika kredita i solidarnih dužnika jednak ili veći 80% navedene premije se uvećavaju za 1,5%
samo u slučaju kada je 80% ili više obaveza ugovoreno u dinarima
*if the degree of indebtedness of the borrower and joint debtors is equal or higher than 80%, the stated premiums are increased for 1.5% only
when 80% or more of liabilities is agreed in RSD
* Samo za kreditne proizvode u otplati, a na zahtev klijenta za promenom uslova po kreditu

* Only for lending products in repayment, upon the client's request for the change of lending conditions
[1]
LTV racio predstavlja odnos iznosa kredita banke i kupoprodajne cene nekretnine (ako je predmet hipoteke nekretnina koja se kupuje) ili
procenjene
[1]
vrednosti nekretnine (ako predmet hipoteke nije nekretnina koja se kupuje), pomnožen sa 100
LTV ratio is the ratio of the amount of the loan of the bank and the purchase and sales price of the real-estate (if the subject of the mortgage is
the real-estate purchased or the value of the real-estate (if the subject of the mortgage is not the real-estate purchesed), multiplied with 100
21
Kamatne stope za kredite - u zavisnosti od

kreditnog proizvoda i valute
14. Interest rates for loans - depending on
lending product and currency
Kamatne stope na račune i štednju - u zavisnosti

od tipa štednje, valute i ročnosti depozita
15. Interest rates for accounts and savings – depending
on savings product, currency and maturity
PENALI
16. PENALTIES
Trošak
pribavljanja
dokumenta
(Erste Bank u Visina
Slučaj koji se penalizira Rok za ispunjenje ime klijenta) Vrsta penala penala
Penalized case Deadline Cost of Penalty type Penalty
obtaining the amount
documents
(Erste Bank in
the client's
name)
16.1.
Opšti penali
General Penalties
Jednaka
Zakonskoj
zateznoj
kamati; 8%
Nedozvoljeno prekoračenje po tekućem računu – – godišnje + RKS
16.1.1. Unauthorized overdraft per annum Equal to
legal
default
interest; 8%
+ RIR
45 dana od
zaključenja Definisana
ugovora za kredite Cenovnikom
za refinansiranje (deo
60 dana od uplate povećanje Kamatne
Primanje nije usmereno u zadatom roku ili je preusmereno kamatne stope na stope -
u toku otplate poslednje zarade visinu koja važi za
45 days as of the nema krediti)
16.1.2. Income not directed within the given tenor or redirected none neklijente
entering into increase of interest Defined by
during repayment refinancing loan rate to the amount Pricelist
agreements valid for non-clients (part
60 days as of the Interest
payment of the rates -
final installment loans)
Do 15 aprila - prema
dostava prijave, a tarifniku
Nedostavljanje poreske prijave PPDG 2R ili Rešenje PU dostava rešenja u nadležne PU
za klijente poreske obveznike roku od 6 meseci according to godišnje 2.400 RSD
16.1.3. Failure to deliver tax teturn PPDG 2R or Decision of Police until 15 April - the pricelist of per annum RSD 2,400
for clients who are tax payers delivery of report, the competent
and delivery of police office
Decision within 6
months
22
Trošak
pribavljanja
dokumenta
documents
(Erste Bank in
the client's
name)
Nedostavljanje dokaza o nezaposlenosti (Nacionalna služba

za zapošljavanje) ili AZ overene od strane novog poslodavca
u roku od 60 dana od dana prestanka radnog odnosa kod 1.800 RSD
trenutnog poslodavca 60 dana nema – RSD 1,800
16.1.4. 60 days none
Failure to deliver the evidence on unemployment (National
Employment Service) or administrative ban certified by the
new employer within 60 days as of the day of the termination
of employment at the current employer
Nedostavljanje informacije o promeni podataka (promena 30 dana od

kontakt telefona, adrese, materijalne situacije, vrednosti nastanka 1.800 RSD
promene nema –
16.1.5. kolaterala) none RSD 1,800
Failure to deliver the information on the data change (change 30 days as of the
change
of contact, address, material situation, collateral value)
Ukoliko klijent na poziv Erste Bank ne obezbedi novi

kolateral, solidarnog dužnika ili žiranta ako postojeći ne
zadovoljava uslove-hipoteka ili zaloga: oštećenje kolaterala, 60 dana od poziva
smanjenje vrednosti nema 2.400 RSD
16.1.6. Erste Bank – RSD 2,400
If the client fails to provide new collateral, joint debtor or 60 days as of Erste none
guarantor upon the call of Erste Bank, if the current does not Bank's call
meet conditions - mortgage or pledge: collateral damage,
value decrease
Ukoliko klijent na poziv Erste Bank ne obezbedi:

If the client fails to enusre the following upon the call of Erste
Bank:
• NOL / Net Billing Sheet 5 radnih dana od
• Potvrdu o zaposlenju i visini primanja / Certificate on poziva Erste Bank nema 1.800 RSD
16.1.7. none – RSD 1,800
employment and amount of income 5 business days as
• Dokaz o dodatnim primanjima / Evidence on additional of Erste Bank's call
income
• PPDG 2R / PPDG 2R
• Saglasnost za izveštaj KB / Consent for the CB Report
16.2.
Penali za nestambene kredite
Penalties for non-housing loans
Nenamensko korišćenje sredstava (kod kredita iz kojih se 5 radnih dana od povećanje

vrši refinansiranje) dana plasiranja nema kamatne stope
16.2.1.
5 business days as none increase of interest 19%
Unintentional use of funds (in case of loans from which rate
refinancing is executed) of disbursement
16.3.
Gotovinski kredit sa hipotekom koja je dodatni kolateral
Cash loan with mortgage as an additional collateral
prema fakturi
procenitelja sa
liste
do isteka ovlašćenih
prethodno procenjivača
Nedostavljanje procena vrednosti nepokretnosti dostavljene Erste Bank svake treće godine 1.200 RSD
16.3.1.
Real-estate value appraisal not delivered procene according to on 3-year basis RSD 1,200
until the expiry of the invoice of
previously the appraisers
delivered from the list of
verification Erste Bank
authorized
appraisers
prema
15 dana nakon tarifniku
dobijenog Rešenja nadležnog
Nedostavljanje LN sa upisanim teretom o upisu hipoteke registra jednokratno 1.200 RSD
16.3.2.
Land Register excerpt with registered burden not delivered 15 days after the nepokretnosti one-off RSD 1,200
received Decision according to
on Mortgage the pricelist of
Registration the competent
Land Register
23
Trošak
pribavljanja
dokumenta
documents
(Erste Bank in
the client's
name)
prema fakturi
15 dana od isteka osiguravajuće
roka do kada je kuće 1.200 RSD
Neplaćanje premije osiguranja premija plaćena according to godišnje
16.3.3. the invoice of per annum RSD 1,200
Non-payment of premium insurance 15 days as of the
expiry of the insurance
premium validity agency
Ukoliko klijent na poziv Erste Bank ne obezbedi:

If the client fails to enusre the following upon the call of 5 radnih dana od
Erste Bank: poziva Erste Bank
• NOL / Net Billing Sheet 5 business days as 1.800 RSD
16.3.4. • Potvrdu o zaposlenju i visini primanja / Certificate on of Erste Bank's call nema
employment and amount of income none RSD 1,800
• Dokaz o dodatnim primanjima / Evidence on
additional income
• PPDG 2R / PPDG 2R
• Saglasnost za izveštaj KB / Consent for the CB Report
16.4.
Auto kredit
Car loan
prema fakturi
15 dana od isteka osiguravajuće
roka do kada je kuće 1.200 RSD
Neplaćanje premije osiguranja premija plaćena godišnje
16.4.1.
Non-payment of premium insurance 15 days as of the according
invoice
to the
of per annum RSD 1,200
expiry of the insurance
premium validity agency
16.5.
Poslovni prostor
Business premises
15 dana od isteka prema fakturi
roka do kada je osiguravajuće
premija plaćena kuće
Neplaćanje premije osiguranja according to godišnje 1.200 RSD
16.5.1.
Non-payment of premium insurance 15 days as of the the invoice of per annum
expiry of the RSD 1,200
premium validity insurance
agency
prema fakturi
do isteka procenitelja sa
prethodno liste ovlašćenih
Nedostavljanje procene vrednosti nepokretnosti dostavljene procenjivača svake treće godine 1.200 RSD
16.5.2. Erste Bank on 3-year basis
Real-estate value appraisal not delivered procene RSD 1,200
until the expiry of according to the
previously invoice of the
delivered appraisers from
verification the list of Erste
Bank
authorized
appraisers
prema
16.5.3.
Land Register
16.6.
Penali za stambene kredite
Penalties for housing loans
16.6.1.
Opšti uslovi za stambene kredite
General Terms for housing loans
15 dana od isteka prema fakturi
Neplaćanje premije imovinskog osiguranja premija plaćena kuće godišnje 1.200 RSD
16.6.1.1.
Non-payment of premium of property insurance 15 days as of the according to per annum RSD 1,200
expiry of the the invoice of
agency
15 dana od isteka prema ponudi
Neplaćanje premije životnog osiguranja premija plaćena kuće godišnje 1.200 RSD
16.6.1.2.
Non-payment of premium of life insurance 15 days as of the pccording to per annum RSD 1,200
expiry of the the offer of
agency
24
Trošak
pribavljanja
dokumenta
documents
(Erste Bank in
the client's
name)
prema fakturi
procenitelja sa
do isteka liste
prethodno ovlašćenih
dostavljene procenjivača
Nedostavljanje procena vrednosti nepokretnosti procene Erste Bank svake treće godine 1.200 RSD
16.6.1.3.
Real-estate value appraisal not delivered until the expiry of according to on 3-year basis RSD 1,200
previously the invoice of
delivered the appraisers
verification from the list of
Erste Bank
authorized
appraisers
prema
16.6.1.4.
Land Register
Nenamensko korišćenje sredstava (za kredite u RSD) 5% + 3M
Use of funds for non-specific purpose (for loans in RSD) Belibor
po saznanju
16.6.1.5. Nenamensko korišćenje sredstava upon information nema povećanje KS
(za kredite sa valutnom klauzulom) receipt none increase of IR
5% + 6M
Use of funds for non-specific purpose Euribor
(for loans with currency clause)
16.6.2.
Dodatni uslov za izgradnju / montažne kuće
Additional condition for construction / prefabricated houses
prema fakturi
procenitelja sa
liste
ovlašćenih
30 dana nakon procenjivača
Nedostavljanje procene nakon završetka radova završenih radova Erste Bank 1.200 RSD
16.6.2.1.
Failure to deliver the appraisal after the termination of works 30 days after the according to svake treće godine
on 3-year basis RSD 1,200
finalization of the invoice of
works the appraisers
from the list of
Erste Bank
authorized
appraisers
trošak
30 dana nakon pribavljanja 1.200 RSD
Nedostavljanje polisa osiguranja nekretnine završenih radova dokumenta godišnje
16.6.2.2. 30 days after the cost of RSD 1,200
Failure to deliver real-estate insurance policy per annum
finalization of obtaining the
works documents
5 radnih dana od
plasiranja 1.200 RSD
16.6.2.3.
Nedostavljanje faktura za montažnu kuću sredstava nema jednokratno
Failure to deliver the invoices for prefabricated house 5 business days as none one-off RSD 1,200
of the
disbursement
16.6.3.
Dodatni uslov za adaptaciju / projektno finansiranje
Additional condition for adaptation / project financing
prema fakturi
procenitelja sa
liste
ovlašćenih
30 dana nakon procenjivača
Nedostavljanje procene nakon završetka radova završenih radova Erste Bank
16.6.3.1. 30 days after the according to svake treće godine 1.200 RSD
Failure to deliver the appraisal after the termination of works the invoice of on 3-year basis RSD 1,200
finalization of the appraisers
works from the list of
Erste Bank
authorized
appraisers
25
* U slučaju promene Cenovnika, izmenjen Cenovnik proizvoda i usluga će se primenjivati 60 dana od dana obaveštavanja
korisnika, pri čemu se smatra da korisnik prihvata nove naknade, ukoliko se u gore navedenom roku ne izjasni da nije
saglasan sa promenom istih.
In case of change of the Pricelist, the changed Product and Service Pricelist will be applied 60 days as of the day of notifying
the user, providing that it is considered that the user accepts new fees, if he/she fails to declare that he/she does not agree
with their change within the stated deadline.
** U slučaju promene cena, nove će se primenjivati počev od dana objavljivanja na sajtu Erste Bank.
In case of the change of the prices, the new ones will be applied as of the day of their disclosure on Erste Bank website.
*** Erste Bank će jednom godišnje (01.07.) shodno promenama godišnje stope inflacije merene indeksima potrošačkih cena
(april tekuće godine u odnosu na april prethodne godine) vršiti usklađivanje visine naknada za tačan iznos godišnje stope
inflacije ukoliko isti bude veći od +3% (plus tri procenta) ili manji od – 3% (minus tri procenta); Godišnju stopu inflacije
svakog meseca objavljuje Republički zavod za statistiku. / U slučaju promene naknada, nove će se primenjivati najranije
15 dana od dana objavljivanja na sajtu Erste Bank.
Erste Bank will once per year (1 July) due to the changes of the annual rate of inflation measured by indexes of purchase
prices (April of the current year in relation to the April of the previous year) adjust the amounts of the fees for the exact
amount of annual rate of inflation if such is higher than +3% (plus three percent) or lower than -3% (minus three percent):
annual inflation rate each month is published by Statistical Office of the Republic of Serbia. / In case of the change of the fees,
the new ones will be applied no sooner than 15 days from the day of their disclosure on Erste Bank website.
**** Dva puta godišnje (01.04. i 01.10.) / U slučaju promene naknada, nove će se primenjivati najranije 15 dana od dana
objavljivanja na sajtu Erste Bank.
Twice a year (1 April and 1 December) / In case of the change of the fees, the new ones will be applied no sooner than 15 days
from the day of their disclosure on Erste Bank websit.
26

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Sektor za Retail klijente

Retail Client Division

Cenovnik proizvoda i usluga za stanovništvo

1. Gotovinske transakcije (Cash Transactions)

1,00%, min 95 RSD, max 7.000 RSD

OPIS NAKNADE Visina naknade Promenljivost

1,00%, min 85 RSD, max 7.000 RSD

1,00%, min 90 RSD

Bezgotovinski prenos novčanih sredstava u evrima sa deviznog

OPIS NAKNADE Visina naknade Promenljivost

OPIS NAKNADE Visina naknade Promenljivost

0,50% (bez naknade za iznos penzije

0,50% (bez naknade za iznos penzije do

2.2.5. Prijem novčanih sredstava sa Kosova i Metohije

3.1. OTVARANJE PLATNOG RAČUNA

Dinarski tekući račun za klijente sa prenosom zarade /

OPIS NAKNADE Visina naknade Promenljivost

Transfer novca od kupoprodaje hipotekovane nepokretnosti i

Naplata provizije za izvršenje trajnog naloga na teret klijenta 0,20 % od iznosa

Naknada za naloge, koji se izvršavaju po posebnom Po Ugovoru

Naknada za otvaranje dečijeg dinarskog štednog računa Jednokratno, prilikom

ELEKTRONSKO BANKARSTVO, MOBILNO BANKARSTVO I

Elektronsko bankarstvo - NetBanking

Prva Tan tablica Bez naknade

OPIS NAKNADE Visina naknade Promenljivost

Korišćenje usluge Bez naknade

Elektronski nalog u korist računa van Erste Bank do

Naknada za povlačenje izvoda iz Registra poljoprivrednih gazdinstava na

Naknada za izveštaj kreditnog biroa

10.3. ODRŽAVANJE DEBITNE KARTICE

Naknada za upit stanja za kreditne kartice na bankomatima

Naknada za upit stanja za kreditne kartice na Jednokratno, po upitu

pokrića 90 dana, trajanje 365 dana, osigurana suma Pri podnošenju

11.6.6.2. EUR 30.000 – 2.600 RSD 2.600 RSD – Promenljiva zahteva

12. NAKNADE ZA KREDITNE PROIZVODE

Naknade za kreditne proizvode prilikom odobrenja za fizička lica

Naknade za odobrenje anuitetskih kreditnih proizvoda Promenljiva Bez naknade

Naknada za odobrenje dozvoljenog prekoračenja računa Promenljiva Bez naknade

Naknada za administriranje (monitoring) dozvoljenog Bez naknade

Naknada za odobrenje kreditne kartice Promenljiva Bez naknade

Naknade za obradu kreditnog zahteva za registrovana poljoprivredna gazdinstva

Ostale naknade za kreditne zahteva za registrovana poljoprivredna gazdinstva

12.2.2.2. Rezervaciju sredstava za neiskorišćeni iznos Promenljiva Bez naknade

12.2.2.3. Šteta za nenajavljenu uplatu Promenljiva Bez naknade

NAKNADE ZA KREDITNE PROIZVODE (u toku otplate kredita)

Penali u slučaju neizmirenja ugovornih obaveza Prema tabeli penala

Naknada za slanje opomena po kreditu Promenljiva 200 RSD Po opomeni

Naknada za prevremenu otplatu kredita ukoliko se kredit

Naknada za obradu kreditnog zahteva u slučaju kada se

Naknada za prevremenu potpunu ili delimičnu otplatu kredita Bez naknade

Naknada za obradu zahteva za osiguranje kod Jednokratno, prilikom

13. NAKNADE ZA NKOSK*

Valutna Indeksacija Kredita [1]

EUR 1,50% 2,50% 3,50%

CHF 1,95% 2,95% 3,95%

RSD 1,35% 2,35% 3,35%

* Samo za kreditne proizvode u otplati, a na zahtev klijenta za promenom uslova po kreditu

Kamatne stope za kredite - u zavisnosti od

Kamatne stope na račune i štednju - u zavisnosti