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Payment cards

Effect all payments both locally and abroad with the VISA Business Gold debit and credit card, and securely shop online with the 3D Secure service.

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Convenience and flexibility
Simplified business
Security and protection of finances

VISA Business Gold debit

Withyour VISA Business Gold debit card, you can:

  • Effect all payments both locally
    and abroad at all points of sale with the VISA sign
  • Withdraw cash at ATMs and cashiers/tellers of Raiffeisen banka and other banks that accept VISA cards
  • Effect payment of goods and services online and by MO/TO transactions (Mail Order, Telephone Order)
  • Carry out all business activities of your company in a simple and elegant manner
  • Go on a business trip safely because this card guarantees security
  • Enjoy the benefits provided for you by the company Visa Inc. (for more information, please visit the website https://rs.visa.com/)

How to become a user and conditions for issuance

The card can be used domestically and internationally for payments of goods and services at points of sale marked with the VISA logo, for cash withdrawals at ATMs, online payments, as well as for MOTO transactions.
When paying for goods and services with the card, as well as when withdrawing cash from ATMs, the user is authenticated by entering the PIN code. In case of loss or theft of the card, the user is obligated to report it immediately to the Raiffeisen banka Contact Center at the phone number 011/3202-800, available 24/7.

Svaka firma koja je klijent Raiffeisen banke ima pravo podnošenja Zahteva za izdavanje poslovnih platnih kartica u koje spada i VISA Business Gold Debit kartica. Odobrenjem zahteva i potpisivanjem Ugovora o korišćenju poslovne kartice, firma postaje nosilac kartice sa pravom imenovanja njenih korisnika. Nosilac kartice može imenovati neograničen broj korisnika VISA Business Gold Debit kartice. VISA Business Electron kartice se izdaju na ime njenih korisnika, a u ime firme kao nosioca kartice otvaraju se dinarski i devizni račun, i na njih polažu novčana sredstva koja će se koristiti putem kartice. Korisnik VISA Business Electron kartice stiče pravo raspolaganja sredstvima na novootvorenim računima firme za koje je vezano korišćenje kartica, a nosilac kartice ima u svakom trenutku pravo povlačenja i oduzimanje kartice od korisnika. Sva plaćanja i troškove koje napravi korisnik kartice u potpunosti snosi nosilac VISA Business Electron kartice.

Kartica se izdaje na osnovu ugovora izmedu Raiffeisen banke i firme koju predstavlja vlasnik, koji zaključuju i potpisuju ovlašćena lica Raiffeisen banke i zainteresovane firme. Ovim ugovorom definišu se pravila i uslovi za izdavanje i korišćenje VISA Business Gold Debit kartice. 

Nakon potpisivanja ugovora, Korisnički servis Raiffeisen banke otvara dinarski i devizni račun za koje će biti vezano korišćenje kartice. Godišnja članarina i troškovi korišćenja kartice su regulisani Tarifom Raiffeisen banke, a kartica se izdaje sa rokom važenja od 2 godine. Raiffeisen banka se obavezuje da dostavlja nosiocu VISA Business Gold Debit kartice jedanput mesečno standardne izveštaje o stanju po računima.

The interest rate on dinar funds from the bank is 1.95% on a monthly basis and is charged only on the outstanding balance. A special benefitis the option to use a grace period of 45 days.

The card can be used for payments of goods and services and for cash withdrawals at ATMs and bank counters both domestically and internationally, as well as for online payments. The card is valid for 24 months, the minimum monthly payment amount is 10% of the total debt, and the cardholder can choose to make payments via a standing order of either 10% or 100% of the total debt amount.

In addition to the primary corporate card, the bank can issue an unlimited number of additional cards, which will charge the primary card's account within the allowed limit. Of course, the use of additional cards requires the consent of an authorized person in the company.

In case of loss or theft of the card, the user is obligated to report it immediately to the Raiffeisen banka Contact Center at the phone number 011/3202-800, available 24/7.

For any additional information, you can always inquire by
calling the Bank's contact center.

DinaCard Business Debit card

By signing the agreement for the use of the DinaCard Business Debit card, the company becomes the cardholder, with the right to appoint itsend users. The cardholder can appoint an unlimited number of end users.

When using the card, the bank does not charge an annual membership fee. The DinaCard Business debit card can only be used domestically for cashless payments for goods and services, online payments for goods and services, as well as for cash withdrawals up to the available balance in the account.

3D Secure - Secure online payments

3D Secure is a service provided by Raiffeisen banka to its payment card users for secure online payments. The service is free to use and offers complete protection during online transactions, while the activation of the service is very simple.