Kombank Premium Set

Kombank Premium current account has been created with the aim of meeting the needs of customers who use most of the benefits of premium segment. Innovative banking products and services, as well as a range of additional benefits can be used within the Kombank Premium current account.


Kombank Premium current account is opened and maintained in dinars without additional indexation. The funds are deposited without time limit. Monthly maintenance fee for Kombank Premium current account is 610.0 dinars. The procedure for opening the Kombank Premium 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 Premium current account.


Products and services in the Kombank Premium 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

MasterCard Gold Contactless


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.


Health insurance in case of a surgery – covers more than 2,000 different surgical procedures.

During each year of insurance (a period of 12 months) the compensation can be paid for several surgical procedures on different organs, but not more than 100% of the insured amount.


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 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 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 Premium 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.


Visa Gold card with deferred payment and travel insurance by the company Dunav osiguranje a.d.o. – no annual membership fee.



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


Other services


  • Kombank Premium benefit program – partner companies of Komercijalna banka that allow the users of the premium set to enjoy additional benefits when purchasing products or services. Special benefits for the users of the Premium set with MasterCard Debit Gold Contactless card can be seen on the following link: http://www.kombank.com/pogodnosti-za-korisnike-premijum-tekuceg-racuna