Entrepreneur package
500 RSD
/mesečno
Accounts
Raiffeisen banka offers you a range of products and services that will make your dinar and foreign currency business secure, faster and cheaper for you and your business partners.
Go to:
Business accounts in 30 minutes, no need to visit the bank
Open business accounts fully online and make use of the benefits of the free of charge Business “iRačun” maintenance in the first 12 months, while mobile and electronic banking are at your disposal without charges for the period of contract duration.
Paketi za klijente sa godišnjim prihodom do 5 miliona evra
Za sve korisnike paketa samo Raiffeisen banka u aplikacijama mobilnog i elektronskog bankarstva nudi pristup fakturama u Sistemu elektronskih faktura (SEF).
Bez potrebe logovanja na SEF portal, možete brzo i lako da pregledate i ažurirate statuse faktura. Možete i da brže platite fakture koje postoje na SEF-u, bez manuelnog popunjavanja elemenata naloga.
- Packages for entrepreneurs
- Packages for legal entities
Most popular
Entrepreneur plus package
900 RSD
/mesečno
Gold package
1.500 RSD
/mesečno
Specijalne pogodnosti za taksiste
Za taksiste koji otvore paket račun u Raiffeisen banci pripremili smo posebne pogodnosti.
Prvih 6 meseci je besplatno:
- održavanje paketa računa
- korišćenje Rai POS aplikacije koja pretvara Android uređaj u POS terminal.
Paket podrazumeva:
- vođenje dinarskog i deviznog tekućeg računa
- mobilno i elektronsko bankarstvo
- SMS/ imejl o blokadi/ deblokadi računa uslugu dostave izvoda imejlom.
Uz paket stižu i po dve Dina i Visa Business debitne kartice. Naknada za vođenje paketa računa za taksiste iznosi 500 RSD mesečno.
Welcome package
700 RSD
prvih 6 meseci korišćenja paketa je besplatno
Most popular
Active package
900 RSD
Gold package
1500 RSD
Account opening
Raiffeisen banka offers you a range of services that will make your dinar and foreign currency transactions safer, faster and cheaper for you and your business partners.
- Special purpose accounts
With the aim of supporting its clients in all their activities, and also in order to meet their special needs, Raiffeisen banka offers the service of opening special purpose accounts: escrow accounts, securities accounts and capital accounts.
Upon the client’s request, the bank can open special purpose accounts, which are tied to specific concrete business projects. The bank acts as an agent and guarantees that the job will be finished in accordance with the contract. Special purpose accounts are closed when all the contractual obligations have been fulfilled.
The bank opens special purpose accounts for its clients for the buying and selling of securities. All changes as per these accounts are performed by the bank according to the contract notes received from the Central Registry, the Belgrade Stock Exchange, as well as the brokerage contract concluded with the stockbroker.
Payments of capital deposits to special purpose accounts with our bank can be performed by non-residents in foreign currency as well as in foreign currency banknotes, also showing a customs office receipt that the money was reported to customs upon entry into Serbia.
Payment account change
In accordance with the Law on Payment Services, Raiffeisen banka enables its users the service of payment account change without any charges.
The service of payment account change can be performed in dinars or in foreign currency, with or without canceling the payment account that was opened with the previous payment services provider.
You can find more details regarding this service in the document Information Regarding Payment Account Change, as well as in the Authorization for Payment Account Change.
Payments
Account overdraft
The approved account overdraft is available for a period of 12 months starting from the date the funds are made available to the client and it enables clients to maintain a suitable level of liquidity at any moment, giving them the opportunity to solve cashflow problems that may arise in a simple manner.
Small enterprises can use the overdraft as a reserve, in case of unexpected costs in their business activities, thereby solving the problem of temporary fund deficits and settling all their payment obligations in time.
A special benefit when using this kind of short-term crediting is that the interest is paid only for the funds the company uses during the month, and the approval procedure is short and simple.
| Dozvoljeno prekoračenje računa | |
| Iznos kredita | do RSD 5.000.000* |
| Period otplate | Do 12 meseci |
| Kamatna stopa fiksni RSD | od 12,5% do 22%, na godišnjem nivou |
| Kamatna stopa promenjiva RSD | od 7.0% + 1M Belibor do 14% + 1M Belibor |
| Namena | za tekuću likvidnost |
| Obezbeđenje | menice firme i lične menice vlasnika |
*u zavisnosti od kreditne sposobnosti klijenta
| Reprezentativni primer za dozvoljeno prekoracenje racuna, fiksna kamata, neobezbedjeno (bez jemstva drugih pravnih lica) | Nov klijent | Postojeći klijent |
| Iznos kredita | RSD 1.000.000 | RSD 1.000.000 |
| Rok (u mesecima) | 12 | 12 |
| NKS (godišnja, fiksna) | 12,50% | 12,50% |
| EKS* | 15,18% | 14,87% |
| Ukupan iznos koji će klijent otplatiti | 1. 141.242,13 RSD | 1.138.492,13 RSD |
| Ukupna cena kredita | 141.242,13 RSD | 138.492,13 RSD |
| Ukupna kamata | 126.736,13 RSD | 126.736,13 RSD |
| Ukupni troškovi | 14.506,00 RSD | 11.756,00 RSD |
| TROŠKOVI KOJI PADAJU NA TERET KORISNIKA | ||
| Trošak kamate | 126.736,13 RSD | 126.736,13 RSD |
| Trošak menica | 5 x 50 RSD=250 RSD | 5 x 50 RSD=250 RSD |
| Trošak Osnovnog izveštaja Kreditnog biroa | 600 RSD | 600 RSD |
| Trošak Osnovnog izveštaja za osnivača | 246 RSD | 246 RSD |
| Provizija za izvršenu uslugu obrade zahteva | 10.000 RSD | 10.000 RSD |
| Trošak uverenja o plaćenom porezu | 660 RSD | 660 RSD |
| Naknada za vođenje dinarskog platnog računa za klijente koji nisu postojeci klijenti Raiffeisen banke** | 11 x 250,00 = 2.750 RSD | |
| *Obračun EKS−a je izvršen na dan 01.07.2025. godine | ||
| **Za postojece klijente banke, trosak mesecnog vođenja dinarskog platnog racuna ne ulazi u obracun efektivne kamatne stope | ||