Inovacija is a package of products with which the Bank rewards its clients who are owners of several groups of products, giving them discount on certain forms of fees and interest rate, and awarding them an incentive interest rate if they have placed their funds on time deposit with the PBZ kuna plus savings account (at a variable interest rate).
By using several groups of PBZ products, the price of individual fees for the products is reduced up to as much as 30%.
It is important to emphasize that the client him/herself and without any conditions, in accordance with his/her needs, chooses the group of products he/she wishes to use in the Bank.
How does one benefit from Inovacija and obtain discount on fees and additional yields on interest?
A client who is a physical person, who fulfils certain conditions such as orderly business habits, and who uses a certain number of products (at least three groups of products), automatically becomes a beneficiary of Inovacija.
The level of the approved discount on fees will be shown as a separate transaction in turnover on current and foreign currency accounts, or credit cards. On receiving the statement on the accounts or cards, or by examining turnover and the statement on the PBZ 365, the client will clearly see the approved discount on certain types of fees.
The groups of products on the basis of which the discount or incentives may be obtained:
-
Group 1 - current / gyro and business /foreign currency account, savings account
-
Group 2 - PBZ 365 services (Telephone, Internet, SMS banking, mPBZ, mPay),
-
Group 3 - revolving and shopping cards(American Express, MasterCard and Visa Classic),
-
Group 4 - charge cards (American Express, MasterCard and Visa Classic),
-
Group 5 - loans,
-
Group 6 – on sight savings account,
-
Group 7 - PBZ stambena štedionica,
-
Group 8 - PBZ investment funds.
Fees for which discount is approved:
-
fees for running current/foreign currency accounts,
-
monthly membership of the PBZ 365 service (except PBZ365-SMS),
-
annual membership of basic/additional beneficiaries of revolving cards,
-
annual membership of basic/additional beneficiaries of charge cards,
-
contract fee for a building society account...