The number of installments into which you can divide the purchase
The division into installments applies to payments in the country, abroad or online, and you can also divide cash withdrawals at an ATM or branch into installments. The number of installments depends on the transaction amount.
It is important that you know
- For this service, you pay a one-time fee according to the Bank's Tariff.
- Mastercard Super Card users are not charged a fee for dividing transactions into installments made in the partner network (Idea, Roda, Mercator).
- When you regularly pay your installments when due, you do not pay interest.
- You can divide each transaction into installments within 2 months from the date of the transaction , with interest being calculated from the date of the transaction until the date the transaction is divided into installments.
- When a transaction is divided into installments, the entire transaction amount is reserved, i.e. debited from the approved limit.
It applies to all valid credit cards offered by AikBank, including valid credit cards issued by Eurobank Direktna.
Ways to divide a transaction into installments
Don't forget - in addition to the installment page , you have other ways to divide your transactions into equal monthly installments:
1
Call our Contact Center
Call the toll-free number of the AikBank Contact Center at 0800 10 10 15 , options 2 and 3.
Call + 381 11 785 99 99 if you are calling from a mobile phone or from abroad (calls are charged at the rate of the operator you are calling from).
2
Visit the nearest AikBank branch
Come to your nearest branch where our advisors will solve everything in just a few moments.
3
POS Terminals
At merchant POS terminals when paying in Idea, Roda and Mercator stores, as a Mastercard Super Card user.
Frequently asked questions
Which transactions can I divide into installments and how many installments can I divide a transaction into?
You can split all purchase and cash withdrawal transactions in the country and abroad no later than two months from the date of the transaction. You can split a cash withdrawal transaction into 3 or 6 installments, and the minimum amount for splitting into installments is 3,000 dinars. You can split purchase transactions into 3, 6, 9 or 12 installments: the minimum amount of a purchase transaction for splitting into 3 or 6 installments is 3,000 dinars, and for amounts of 6,000 dinars and more, you can choose 3, 6, 9 or 12 installments. If you want to split more than one transaction into installments, each transaction is split separately into the desired number of installments.
How can I divide a transaction into installments (who should I contact to divide a transaction into installments)?
You can divide transactions into installments by:
- on the page https://installments.aikbank.rs enter the desired number of installments;
- call the AikBank Contact Center at 0800 10 10 15/ options 2 and 3 (the call is free), and if you are calling from a mobile phone or from abroad, call +381 11 785 99 99 (calls are charged at the rate of the operator you are calling from) and specify the transaction and the desired number of installments;
- Visit the nearest AikBank branch and divide the purchase into installments with an advisor.
Does the Bank charge a commission for dividing into installments and how much is it?
The bank charges a commission for dividing into installments as a one-time cost, which amounts to 5% of the transaction amount, or a minimum of 500 RSD.
Does the Bank charge a fee for dividing into installments for each transaction I divide into installments?
A commission is charged for each transaction divided into installments.
When is my first payment due?
The due date of the first installment depends on the selected payment term for the card, and the due installment will be shown on the statement you receive each month from the Bank. There is also the option of receiving a statement by e-mail - you need to visit the nearest AikBank branch to register for this service.
Do I have a grace period for payment and how long does it last?
The grace period for installments due for collection is 20 days from the date of creation of the monthly report and ends with the deadline for payment of the debt stated on the monthly report that you receive each month from the Bank.
Does the Bank charge interest on installments?
The Bank does not charge interest on installments if you pay the total monthly debt based on due installments in full and within the deadline specified on the monthly statement. If you do not pay the monthly debt based on due installments in full and within the deadline specified, the Bank charges interest on due installments.
Can I pay off the debt in full before the last installment is due?
If you wish, you can pay the debt in full by installments before the last installment is due - you need to first call the AikBank Contact Center at 0800 10 10 15, options 2 and 3 (the call is free), and if you are calling from a mobile phone or from abroad, call +381 11 785 99 99 (calls are charged at the rate of the operator from which you are calling) and inform the bank of your intention. In that case, the bank will make all installments due according to your order. After that, by calling the same number, you can get information about the final balance of the debt on your card account and make the payment of the total due debt.
I received a monthly statement from the bank and I don't know how much I need to pay in installments?
You need to pay the amount defined on the monthly statement in the "Total monthly installment" field, except in the case when the amount in that field is less than the amount in the "minimum payment" field, in which case you need to pay the amount from the "minimum payment" field.
What happens if I don't pay the installment on time or in full?
If you do not pay the installment in full and on time, the Bank will charge interest until the debt is settled on the due installments.
When do I need to pay the fee for dividing a transaction into installments?
The fee for dividing a transaction into installments is due together with the first installment and will be shown on the first monthly statement you receive from the Bank following the division.
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