Kombank Aktiv Set

Kombank Active current account is intended for the employees with a regular monthly salary, as well as other private individuals who would like to become the customers of Komercijalna banka i.e. Users of Kombank Active current account. Apart from the standard products and services, we have tried to expand the offer and adjust it to the customers’ everyday needs. All existing users of the current account of Komercijalna banka, as well as other products of our Bank can become users of Kombank Active current account.


Kombank Active current account is opened and maintained in dinars without additional indexation. The funds are deposited without time limit. Monthly maintenance fee for Kombank Active current account is 310.00 dinars. The procedure for opening the Kombank Active current account is quite simple. The following documentation is required:

  • for the employees -  Employer’s certificate or the contract on payment of salaries between the employer and the bank and a valid identification document
  • for persons generating income on some other grounds (personal payments, etc.) – a valid identification document

A valid identification documents is all that is required for including an existing current account into Kombank Active current account.


Products and services in the Kombank Active current account:


Foreign currency account

A foreign currency account is opened with a valid identification documents. No interest is paid for the deposits and the following currencies can be deposited: EUR, AUD, CAD, DKK, JPY, NOK, RUB, SEK, GBP, USD and CNY. Apart from personal payments, the foreign currency account can also be used for receipts from abroad (loro remittances and foreign checks) and from Serbia (as a result of the contract on the purchase and sale of property, lease of a flat or commercial space, etc.), for the use of payment cards, etc.


Debit card


Electronic service

Electronic services (eBankmBankSMSKOMeKEŠKOMeCENTARKOM4PAY)


Direct debits

Direct debit 


Insurance by Generali osiguranje Srbija a.d.o.


Insurance against financial loss arising from the misuse of one of the Bank’s debit payment cards, as selected by the user in the Application for the set of services / Request for the change of set at the Bank and other risks (Secure Wallet), together with the insurance against illegal use of a mobile phone / SIM card, covers the following insurance events:

  • misuse of the stolen card,
  • skimming*,
  • theft of personal documents together with the insured card,
  • cost of blocking and replacing the payment card
  • illegal use of a mobile phone / SIM card by third parties.

*Skimming means the process of copying the magnetic record from the card’s magnetic strip that is related to the process of stealing data from the card when using it in any of the legal transactions and using the copy of the card without the awareness and consent of the card user and the card issuer.

Illegal use of the mobile phone / SIM card means the cost for the calls made by a third person who uses the mobile phone / SIM card illegally within 24 hours, before the theft is reported to the police and the network provider (who then blocks the SIM card).


Insurance against accidents covers the following:

  • permanent disability from 50% to 100% as a result of accident,
  • death due to an accident.


Authorized overdraft

Current account overdraft is allowed to the customers who receive regular monthly salary. After the first payment of a salary, the customer may file an application for authorized current account overdraft. The application form can be downloaded here.


The Bank does not charge a fee for approval of authorized overdraft. Authorized overdraft is approved to a period of up to 24 months up to the average monthly salary/pension increased by 50%, with a previous check of internal rating/no default of the current account and upon obtaining a report from the Credit Bureau.

If the customer overdraws their current account so that the approved overdraft limit is exceeded or if they do not settle their overdraft after the expiration of the authorized overdraft, the customer must pay to the Bank an agreed interest on unauthorized overdraft.


Interest rate on unauthorized overdraft is a variable one and amounts to 40.p.p. per year, increased by the growth rate of consumer prices per year. Adjustment to the rate of increase in consumer prices is done twice a year on every 01.03. on the basis of the rate of increase of consumer prices in the past calendar year, and on 01.09. on the basis of the rate of increase of consumer prices for the period from 30.06. of the previous year until 30.06. of the current year (as of 01.03.2018 the interest rate on unauthorized overdraft was 43.00% and will apply from 01.03.2018 until 01.09.2018. From 01.09.2018 the level of interest rate has amounted to 42.30 % and shall apply as of 01.09.2018 until 01.03.2019.



Authorized current account overdraft







No indexing criteria




Up to the amount of average monthly salary, increased by 50%


Up to 24 month








28.75% per year, fixed






246.00 RSD




50.00 RSD





Preferential currency quotation

Users of Kombank Active current account are allowed to purchase and sell euros through eBank and mBank at the most competitive exchange rate in the market.


Credit cards and deferred payment cards

Visa Revolving credit card or MasterCard Installment credit card or MasterCard Standard card with deferred payment – one of these cards can be included in this current account without paying the annual membership fee.



Issuing the first 5 checks in the month free of charge.