Contract
OPŠTI USLOVI POSLOVANJA RAIFFEISEN BANKE A.D. BEOGRAD ZA PRUŽANJE PLATNIH USLUGA PRAVNIM LICIMA 1. UVODNE ODREDBE I DEFINICIJE POJMOVA Ovim Opštim uslovima poslovanja za pružanje platnih usluga pravnim licima (u daljem tekstu: Opšti uslovi poslovanja) Raiffeisen banka a.d. Beograd (u daljem tekstu: Banka) uređuje otvaranje i vođenje računa, obavljanje platnih usluga, kao i prava i obaveze Banke i klijenata pravnih lica u poslovanju sa računima. Opšti uslovi poslovanja i Tarifa naknada banke za usluge platnog prometa pravnim licima (dalje: Tarifa) predstavljaju sastavne delove ugovora o otvaranju i vođenju tekućeg računa i dostupni su klijentima u mreži ekspozitura Banke, kao i na internet stranici Banke xxx.xxxxxxxxxxxxxx.xx. Banka posluje na osnovu odobrenja Narodne banke Srbije G. br. 318 od 09.03.2001. godine. Osnovni podaci o Banci pružaocu usluga su: Poslovno ime – Raiffeisen banka a.d. Beograd Sedište – Xxxxx Xxxxxxxxxxx 16, 11070 Beograd – Novi Beograd Matični broj – 17335600 Poreski broj – 1000000299 Broj računa – 000-00000-00 (račun se vodi kod Narodne banke Srbije) Swift adresa – XXXXXXXXXXX Internet stranica banke: xxx.xxxxxxxxxxxxxx.xx Kontakt podaci: imejl: xxxxxxx@xxxxxxxxxxxxxx.xx telefon: x000 00 0000 000 Superviziju i nadzor poslovanja banaka obavlja Narodna banka Xxxxxx, Xxxxxx Xxxxx 00, 00000 Xxxxxxx, u skladu sa propisima kojima se uređuje poslovanje banaka. Pojedini pojmovi upotrebljeni u Opštim uslovima poslovanja imaju sledeća značenja: Klijent - pravno lice koje ima otvoren tekući račun kod Banke; Tekući račun ili Račun - račun pravnog lica otvoren kod Xxxxx xxxx se koristi za izvršavanje platnih transakcija; Ugovor o otvaranju i vođenju tekućeg računa - ugovor kojim xx Xxxxx obavezuje da će klijentu otvoriti i voditi tekući račun i pružiti određene platne usluge, a klijent se obavezuje da za to Banci plati naknadu prema dogovorenoj Tarifi; Platni nalog ili nalog za plaćanje - instrukcija koju klijent podnosi Banci, a kojom se traži izvršenje platne transakcije; Platna transakcija - uplata, isplata ili prenos novčanih sredstava koje je inicirao platilac ili primalac plaćanja; Platni instrument - personalizovano sredstvo i/ili skup postupaka ugovorenih između klijenta i Banke, koje klijent | GENERAL OPERATING TERMS OF RAIFFEISEN BANKA A.D. BEOGRAD FOR PAYMENT SERVICES FOR LEGAL ENTITIES 1. INTRODUCTORY PROVISIONS AND DEFINITIONS These General Operating Terms for Corporate Payment Services (hereinafter: “General Operating Terms“) of Raiffeisen banka a.d. Beograd (hereinafter: the Bank) governs opening and maintaining accounts, conducting payment services as well as the rights and duties of the Bank and legal entities in account transactions. General Operating Terms and the Bank’s Tariff of Fees and Commission for Corporate Payment Services (hereinafter: the Tariff) make integral parts of the Contract on Opening and Maintaining Current Account and are available to clients in the Bank’s branch network, as well as on the webpage of the Bank: xxx.xxxxxxxxxxxxxx.xx. The Bank operates in accordance with the approval of the National Bank of Serbia G. no. 318 of 9 March 2001. The main data on the Bank providing services: Business name – Raiffeisen banka a.d. Beograd Head office – Djordja Stanojevica 16, 11070 Beograd – Novi Beograd Company Registration Number – 17335600 Taxpayer Identification Number – 0000000000 Account No. – 000-00000-00 (account held with the National Bank of Serbia) Swift address – XXXXXXXXXXX Webpage: xxx.xxxxxxxxxxxxxx.xx Contact details: e-mail: xxxxxxx@xxxxxxxxxxxxxx.xx telephone: x000 00 0000 000 Supervision of banks’ operations is conducted by the National Bank of Serbia, Xxxxxx Xxxxx 00, 00000 Xxxxxxx, in compliance with the legal regulations governing business operations of banks. Certain terms used in the General Operating Terms shall have the following meanings: Client - a legal entity that has a current account opened with the Bank; Current account or Account – an account of the legal entity opened with the Bank that is used for conducting payment transactions; Contract on opening and maintaining current account – contract under which the Bank undertakes to open and maintan a current account to the client and provide specific payment services, whereas the client undertakes to pay to the Bank fee according to the agreed Tariff; Payment order – order submitted by the client to the Bank, requesting execution of a payment transaction; Payment transaction – deposits, credits, debit, withdrawal or transfer of money initiated by payer or payee; |
primenjuje za iniciranje naloga za plaćanje i/ili pristup stanju i prometu po računu otvorenom u Banci ( na primer platna kartica, elektronski sertifikat, LIB, PIN i i slično); Domaća platna transakcija - platna transakcija u čijem izvršavanju učestvuju pružalac platnih usluga platioca i/ili pružalac platnih usluga primaoca plaćanja koji platne usluge pružaju na teritoriji Republike Srbije; Međunarodna platna transakcija - platna transakcija kod koje jedan pružalac platnih usluga pruža platnu uslugu na teritoriji Republike Srbije a drugi na teritoriji druge države. Transakcije u dinarima između rezidenata i nerezidenata, kao i transakcije u dinarima između nerezidenata smatraju se međunarodnim platnim transakcijama. 2. OTVARANJE I IZMENE PO RAČUNU Banka i klijent ugovorni odnos zasnivaju zaključenjem ugovora o otvaranju računa u pisanoj formi. Ugovor se zasniva na neodređeno vreme. Na osnovu zaključenog ugovora sa klijentom, Banka - otvara tekuće račune koji se koriste za izvršenje platnih transkacija. Banka klijentu otvara i tekući račun na osnovu zakona i podzakonskih akata, za koje klijent dostavlja izvod iz propisa i/ili akt u xxxx xx utvrđen osnov za otvaranje takvog tekućeg računa kao i namena korišćenja sredstava sa tekućeg računa. Banka sa klijentom može zaključiti ugovor o otvaranju i vođenju računa, na osnovu sledećih dokumenata koje dostavlja klijent: • Zahtev za otvaranje računa pravnog lica (na obrascu Banke); • Dokumenta o registraciji pravnog lica (Izvod iz nadležnog registra); • Overeni potpisi ovlašćenih lica za zastupanje - OP obrazac, overa potpisa xx xxxxxx nadležnog organa nije potrebna ukoliko je lice ovlašćeno za zastupanje prisutno pri podnošenju zahteva za otvaranje računa • Potvrda o poreskom identifikacionom broju-PIB (ukoliko PIB nije iskazan na rešenju nadležnog registra); • Karton deponovanih potpisa (na obrascu Banke); • Obaveštenje o razvrstavanju Xxxxxx za statistiku (za domaća pravna xxxx xxxx nisu registrovana kod Agencije za privredne registre); • Lični identifikacioni dokument (lična karta, pasoš ili druga odgovarajuća isprava) na osnovu kojeg se sprovodi postupak identifikacije fizičkih lica povezanih sa poslovanjem po računu; • Podaci i dokumenta na osnovu kojih se mogu utvrditi stvarni vlasnici klijenta u smislu propisa kojima se uređuje sprečavanje pranja novca. Banka ima pravo da zatraži i druga dokumenta u trenutku otvaranja računa ili naknadno, u skladu za važećim propisima ili potrebama Banke. Banka zadržava pravo da bez posebnog obrazloženja odbije otvaranje računa pravnog lica. Banka ima pravo da odbije uspostavljanje saradnje sa pravnim licem koje se direktno ili indirektno, nalazi na lokalnim i/ili listama sankcija propisanih | Payment instrument – personalized method and/or predefined set of actions agreed between the clients and the Bank, used by the client for initiating a payment order and/or access to the balance and transactions in the account opened with the Bank (e.g. payment card, electronic certificate, LIB, PIN, etc.); Domestic payment transaction – payment transaction that involves the payer’s provider of payment services and/or payee’s provider of payment services that provide payment services on the territory of the Republic of Serbia; International payment transaction – payment transaction where one of the payment service providers provides payment services on the territory of the Republic of Serbia and the other provides payment services on the territory of another country. Transactions in dinars between residents and non-residents, as well as transactions in dinars between non-residents are considered as international payment transactions. 2. OPENING AND CHANGES IN THE ACCOUNT The Bank and the client base their contractual relationship by concluding an account opening contractin writing. The contract is concluded for an indefinite time. Based on the concluded contract with the client, the Bank opens current accounts which are used for execution of payment transactions. The Bank also opens a current account to the client in accordance with the law and by-laws for which the client provides an extract from the regulations and/or act in which the legal ground for opening such current account is defined, as well as purpose of the use of current account funds. The Bank may conclude with the client a contract on opening and maintaining account, based on the following documents to be submitted by the client: • Request for opening an account submitted by a legal entity (on the Bank form); • Documents on registration of the legal entity (exceprt from the competent register); • Certified signatures of the authorised representatives - OP form, signature verification by the responsible institution is not necessary in the case when the person authorised for representing the company is present when account opening dpocuments is submitted. • Certificate on taxpayer identification number (if TIN is not specified in the decision of the competent register); • Authenticated specimen signatures (on the Bank form); • Information on classification by the Statistical Office (for domestic legal entities not registered with the Business Registers Agency); • Personal identification document (ID card, passport or other appropriate document) based on which private individuals are identified in connection with account transactions; • Data and documents based on which actual owners of the client can be identified, according to the regulations governing prevention of money laundering. |
xx xxxxxx EU, UN, OFAC ili druge međunarodne ili inostrane institucije, ukoliko je u vlasništvu ili pod kontrolom sankcionisanih lica ili na drugi način učestvuje u aktivnostima sa sankcionisanim licima ili licima osnovanim u sankcionisanim zemljama ili licima koja su poslovnom aktivnošću povezana sa licima osnovanim u sankcionisanim zemljama. U xxx slučaju Xxxxx xx vratiti originalna dokumenta klijentu, a ima pravo da zadrži kopije svih dostavljenih dokumenata. Klijent snosi odgovornost za istinitost i potpunost svih podataka navedenih u Zahtevu za otvaranje računa. Klijent xx xxxxx da nadoknadi Banci svaki gubitak ili trošak koji proizilazi iz neistinitih ili nepotpunih podataka dostavljenih xx xxxxxx klijenta. Banka otvara i vodi račune pravnih lica u domicilnoj valuti (dinarima) i stranoj valuti sa kursne liste Banke. Banka može otvoriti devizni račun samo u vrstama valuta kojima se trguje na deviznom tržištu u devizama, u skladu sa propisom kojim se utvrđuju vrste deviza i efektivnog stranog novca koje se kupuju i prodaju na deviznom tržištu. Klijentima koji xx xxxxx kupuju devize ili efektivu, Banka otvara poseban devizni račun za kupovinu deviza i obavljanje platnih transakcija. Klijenti mogu kupovati devize isključivo, saglasno članu 38. Zakona o deviznom poslovanju, sa namenom za plaćanja koja su Zakonom dozvoljena u devizama. Ukoliko tako kupljene devize, klijent ne iskoristi za propisanu namenu najkasnije u roku od 30 xxxx od xxxx kupovine, Banka zadržava pravo da izvrši otkup deviza po kupovnom kursu Banke za devize na xxx otkupa, i tako dobijenu dinarsku protivvrednost uplati na dinarski račun klijenta. U skladu sa propisima Republike Srbije, Banka podatke o otvorenim računima dostavlja u Jedinstveni registar imaoca računa, koji se vodi kod Narodne banke Srbije. Klijent je u obavezi da o svakoj promeni podataka, navedenih u dokumentima koja su priložena prilikom otvaranja računa ili naknadno, pisanim putem obavesti Banku odmah, a najkasnije u roku od 3 xxxx od xxxx prijema rešenja o upisu promene u nadležni registar kao i da dostavi odgovarajuća dokumenta Banci. Izmene podataka klijenta koje se registruju kod Agencije za privredne registre, Banka sprovodi u svojoj evidenciji na osnovu informacija dobijenih od Agencije. Ukoliko klijent ne dostavi blagovremeno potrebna dokumenta u vezi sa promenama, Xxxxx xx obustaviti ili ograničiti raspolaganje sredstvima sa računa, do dostavljanja potrebne dokumentacije. Promene podataka koje se vrše na zahtev klijenta, Xxxxx xx izvršiti na xxx prijema takvog zahteva, ili najkasnije sledećeg radnog xxxx. Banka u skladu sa zakonom vrši prikupljanje i obrađivanje podataka do kojih je došla u toku poslovanja, a odnose se na klijenta, uključujući podatke o ličnosti zastupnika ili ovlašćenih xxxx xxxx sprečavanja, ispitivanja ili otkrivanja prevarnih radnji ili zloupotreba u vezi s platnim uslugama. 3. VOĐENJE TEKUĆIH RAČUNA I OVLAŠĆENJA ZA RASPOLAGANJE SREDSTVIMA NA RAČUNU Vođenje tekućeg računa, obuhvata sledeće platne usluge koje klijent može koristiti: | The Bank may also request other documents when opening an account or subsequently, in accordance with the applicable regulations or needs of the Bank. The Bank reserves the right to reject, without special explanation, opening of the account of a legal entity. The Bank has the right to refuse to establish cooperation with a legal entity that is directly or indirectly on the local and/or sanctions lists prescribed by the EU, UN, OFAC or other international or foreign institutions, if it is owned or controlled by sanctioned persons or otherwise participates in activities with sanctioned persons or persons established in sanctioned countries or persons whose business activity is related to persons established in sanctioned countries. In that case, the Bank shall return original documents delivered to the Bank, whereas it may keep the copies of all submitted documents. The client is liable for the accuracy and completeness of all data specified in the Request for opening an account. The Client is obliged to compensate the Bank for any loss or cost arising from untrue or incomplete data delivered by the Client. The Bank opens and maintains accounts of legal entities in the domicile currency (dinars) and foreign currencies from the Bank’s exchange rate list. The Bank can open foreign currency account in the currencies that are tradable on the foreign currency market, in accordance with the Law describing the cash and cashless currency that are buying or selling on the market. Client that is buying foreign currency or foreign currency cash, the Bank is opening separate account for buying foreign currency and making payment operations. Clients can only purchase foreign currency, in accordance with Article 38. Law on Foreign Exchange Operations, with the purpose for payments permitted by law in foreign currency. If the purchased foreign currency is not used by the client for the prescribed purpose no later than 30 days from the date of purchase, the Bank reserves the right to make the purchase of foreign currency at the purchase rate of the Bank for foreign exchange on the day of purchase, and thus pay the obtained dinar equivalent to the client's account. According to the regulations of the Republic of Serbia, the Bank sends data on the opened accounts to the Unique Register of Account Owners maintained with the National Bank of Serbia. The client is obliged to notify the Bank immediately, in writing, of any change of data given in the documents submitted for the opening of the account or subsequently, but not later than 3 days from respective change, as well as to deliver appropriate documents to the Bank. The Bank conducts changes of the client data registered with the Business Registers Agency in its records based on information obtained from the Agency. If the Client does not timely deliver the required documents concerning the changes, the Bank shall suspend or limit disposal of the funds from the account until the required documentation is delivered. The Bank shall make changes of data made upon request of the Client on the date of receipt of such request or on the following business day at the latest. |
b) Usluge prenosa novčanih sredstava sa računa, odnosno na račun i to: - prenosom novčanih sredstava na teret računa klijenta u korist drugih računa ; - prenosom novčanih sredstava u korist računa klijenta; - korišćenjem platne kartice (na platne transakcije nastale korišćenjem business debitne kartice/business kreditne kartice, naknade i troškove u vezi za korišćenjem kartice, rok i način dostavljanja izvoda o izvršenim transakcijama, način davanja saglasnosti za izvršenje platne transakcije, prijem platnog naloga i rok za izvršenje platne transakcije, odgovornost Banke i klijenta u vezi sa izvršenjem platnih transakcija i povraćaj iznosa transakcije, zaštitu kartice i drugo, primenjuju se Opšti uslovi poslovanja Raiffeisen banke a.d. Beograd koji se primenjuju na izdavanje business debitnih kartica klijentima pravnim licima, odnosno Opšti uslovi poslovanja Raiffeisen banke a.d. Beograd koji se primenjuju na izdavanje business kreditnih kartica klijentima pravnim licima. Sa navedenim opštim uslovima Klijent se može upoznati u ekspoziturama Banke i na Internet stranici Banke). Xxxxx xx izvršavati platne transakcije u okviru raspoloživog stanja tekućeg računa. Klijent je u obavezi da vodi evidenciju poslovanja po tekućem računu kod Banke i da na istom ima dovoljno raspoloživih sredstava za realizaciju ispostavljenih naloga za plaćanje. Pod raspoloživim sredstvima na tekućem računu podrazumeva se stanje sredstava na tekućem računu od prethodnog xxxx uvećano za dnevni priliv i umanjeno za dnevni odliv sredstava. Sredstvima na tekućem računu mogu raspolagati samo ovlašćena lica. Ovlašćenja za raspolaganje sredstvima daje, menja ili opoziva isključivo zakonski zastupnik klijenta u pisanom obliku, i to na kartonu deponovanih potpisa Banke za papirne naloge, odnosno odgovarajućim pismenih zahtevom za korisnike elektronskog i mobilnog bankarstva. Ovlašćena lica i pojedinačna ovlašćenja za elektronsko i mobilno bankarstvo mogu da se razlikuju od ovlašćenja navedenih na kartonu deponovanih potpisa koji se primenjuje za platne naloge dostavljene u papirnom obliku. Klijent određuje ovlašćena lica za raspolaganje sredstvima na računu i blagovremeno izveštava Banku o svim izmenama u vezi sa istim. Raspolaganje sredstvima na računu xx xxxxxx ovlašćenog xxxx xx slobodno u okviru raspoloživog stanja na tekućem računu i u skladu sa eventualnim ograničenjima po pojedinačnoj transakciji, xxxx xx navedeno u kartonu deponovanih potpisa, odnosno odgovarajućem zahtevu za korisćenje elektronskog i mobilnog bankarstva. Za sve propuste i radnje ovlašćenih lica odgovoran je Klijent. Banka ne snosi odgovornost u slučaju štete koja nastupi usled propusta klijenta da Banci dostavi blagovremenu informaciju o | According to the law, the Bank collects, and processes client-related information obtained during the operations, including data on the representative or authorised persons in order to protect, examine or detect frauds or abuse in connection with payment services. 3. MAINTAINING CURRENT ACCOUNTS AND AUTHORISATIONS FOR FUNDS DISPOSAL IN THE ACCOUNT Maintaining the current account includes the following payment services that may be used by the Client: a) Cash deposit and withdrawal; in order to make daily cash deposit, client can use a self-service device. Person authorized to make daily cash deposit without using the business card, can make daily cash deposit on the self-service device, under terms and conditions defined for the device for cash deposit available in the every Bank branch and bank web site xxx.xxxxxxxxxxxxxx.xx. b) Services of funds transfer from and to account, such as follows: - Through transfer of cash funds to other accounts; - Through transfer of cash funds in favour of the Client’s account; - By using payments cards (whereby rights and obligations of the Bank and the client with regards to business debit card/business credit card, fees and charges related to the usage of business cards, terms and conditions for account statements, receiving of payment order and time frame for its execution, responsibility of the Bank and the clients regarding payment transaction and refund, protection of the cards, etc. are regulated with General Terms of Raiffeisen banka a.d. in relation to business credit and debit cards for legal entities. Mentioned Terms and Conditions can be found in the Banks branches or at the Banks website) The Bank shall effect payment transactions within the available balance in the current account; the Client is obliged to maintain records on the transactions on the account with the Bank and to have sufficient funds for the execution of the issued payment orders. Available funds in the current account shall mean the balance on the current account on the previous day, increased by daily inflow and reduced by daily outflow of funds. Only authorised persons may dispose with the funds on the current account. Authorisations for disposal of funds may be given, changed or revoked exclusively by the legal representative of the Client in writing, on the Bank’s authenticated specimen of the signatures for paper orders and/or appropriate written request for users of electronic and mobile banking. Authorised persons and individual authorisations for electronic and mobie banking may be different from the authorisations specified in the authenticated specimen signatures used for payment orders submitted in paper form. The client designates the authorised persons for disposal of funds from the account and timely reports to the Bank on all respective changes. Disposal of funds by the authorised person is free within the available balance on the current account and in accordance with eventual limits per individual transaction, as specified in the |
ukidanju, izmenama i ograničenjima u vezi ovlašćenja po računu. Smatra se da je klijent dao saglasnost za izvršenje platne transakcije ako je pre izvršenja ispunjen jedan od sledećih uslova: • dostavljeni platni nalog u papirnoj xxxxx xx potpisan xx xxxxxx ovlašćenih lica za raspolaganje sredstvima sa računa klijenta u skladu sa kartonom deponovanih potpisa. Ukoliko Klijent koristi pečat, Banka prihvata platne naloge overene pečatom koji je deponovan na Kartonu deponovanih potpisa bez obzira na iskazanu numeraciju na pečatu, osim ako je klijent izričito naznačio na kartonu deponovanih potpisa da se numeracija smatra bitnim elementom pečata; • platni nalog je dostavljen korišćenjem elektronskog bankarstva i verifikovan u skladu sa definisanim ovlašćenjima prema podnetom Zahtevu za elektronsko bankarstvo (odnosno, njegovoj kasnijoj dopuni) i odgovarajućem Uputstvu za korišćenje elektronskog bankarstva; • platni nalog je dostavljen korišćenjem mobilnog bankarstva xx xxxxxx ovlašćenog korisnika usluge i verifikovan u skladu sa definisanim ovlašćenjima prema podnetom Zahtevu za mobilno i telefonsko bankarstvo i odgovarajućem Uputstvu za korišćenje mobilnog i telefonskog bankarstva; • platni nalog (nalog za uplatu) izdat putem samouslužnog uređaja unet xx xxxxxx klijenta koji vrši uplatu pazara; • klijent sa Bankom ima zaključen poseban ugovor ili Aneks ugovora o otvaranju i vođenju računa kojim se definiše izvršenje platnih naloga (trajni nalog, SWIFT, direktna zaduženja, elektronski kanali drugih xxxxxx xx kojima Banka ima ugovorenu uslugu i drugo) Banka omogućava klijentima domaćim pravnim licima i uslugu Instant plaćanja, odnosno trenutnu realizaciju dinarskih platnih naloga, 24 sata dnevno, xxxxx xxxx u nedelji, uključujući i državne praznike. Instant plaćanje je usluga bezgotovinskog prenosa novčanih sredstava, koja se koristi za realizaciju svih dinarskih hitnih naloga za plaćanja do graničnog iznosa navedenog u Tarifi banke. Instant plaćanje za koje ima dovoljno raspoloživih sredstava, ima prioritet u izvršavanju u odnosu na naloge za čije izvršavanje trenutno nema dovoljno pokrića na računu. Moguće je ispostavljanje instant plaćanja sa datumom izvršenja u budućnosti. Svaki nalog instant plaćanja za koji nema dovoljno raspoloživih sredstava na računu ili ne ispunjava bezbedonosne uslove u skladu sa kontrolnim merama Banke za spečavanje neovlašćenih dinarskih platnih transakcija, xxxx realizovan odmah nakon ispunjenja prethodno navedenih uslova. Za izvršene transakcije po tekućem računu klijenta, Banka dostavlja izveštaj u formi izvoda računa ili odgovarajući dokument kojim se potvrđuje realizacija naloga. Izvod se formira za xxxx xxxx postoji promena po računu, a u roku ne dužem od dva xxxxx xxxx xx xxxxxxx promene. Izvod se dostavlja klijentu na način za koji se opredelio prilikom otvaranja računa ili naknadnim zahtevom. | authenticated specimen signature and/or appropriate written request for users of electronic and mobile banking. The Client is liable for any errors and actions made by the authorised persons. The Bank shall not be liable in case of any damage incurred due to the client’s failure to inform the Bank in timely manner of revocation, changes and limits of authorisations for current account disposal. It is considered that the Client has issued an approval for execution of a payment transaction, provided that one of the following requirements has been met before execution: • Payment order is submitted to the Bank in paper form and signed by the authorised persons for disposal of funds from the client’s account in accordance with the authenticated specimen signature. In the case when Client uses stamp, the Bank accepts payment verified by the stamp which is deposited in the authenticated specimen signature list, irrespective of the numbering on the stamp, unless the Client explicitly specified on the authenticated specimen signature that the numbering is considered an important part of the stamp. • Payment order is completed, verified and delivered via Electronic banking systems by the authorised persons that has been assigned an electronic certificate or other personalised instrument, as agreed with the Bank in accordance with Request for e-banking and User manual for e-banking; • Payment order is completed, verified and deliverd via Mobile Banking by the authorised persons that has been assigned based on the request of the authorised representative, a mobile token, LIB or another personalized instrument, as agreed with the Bank in accordance with Requet for mobile banking and User manual for mobile and phone banking; • Payment order (cash deposit payment order) submitted via a self-service device by the client that makes deposit of daily cash; • The client has concluded a separate contract or annex to the contract with the Bank on opening and maintaining an account which defines execution of payment orders (standing order, SWIFT , direct debit, electronic channels with whom the Bank has the agreement with, etc.) The Bank offers its clients domestic legal entities, the service of Instant payments, immediate realisation of dinar payment orders, 24h a day, 7 days a week, holidays are included. Instant payment is a service of cashless payment credit transfer, used for all urgent dinar payments in accordance with limit specified in the Tariff. Instant payment with enough coverage on the account have the highest priroty for execution compared the |
Ukoliko ne dobije izvod računa na dogovoreni način i u roku od 2 xxxxx xxxx od xxxx xxxxxxx promene, klijent je u obavezi da o tome obavesti Banku. Klijent je u obavezi da vodi računa o izvodima računa dobijenim xx Xxxxx i da o svakom neslaganju ili osporavanju podnese reklamaciju Banci najkasnije 3 xxxxx xxxx od stavljanja na raspolaganje izvoda xx xxxxxx Xxxxx. Xxxxx xx ispitati svako neslaganje na koje klijent ukaže, obezbediti relevantne informacije i u zavisnosti od njih izvršiti potrebna usaglašavanja i korekcije na računu klijenta. 4. DODATNE USLUGE Banka na zahtev klijenta omogućava korišćenje elektronskog i mobilnog bankarstva koje ima u svojoj ponudi: • RaiffeisenOnLine • Hal E-bank • Moja eBanka biznis • Mobilno bankarstvo Moja mBanka biznis Karakteristike i uslovi korišćenja navedenih dodatnih usluga su definisani u posebnim ugovorima za te usluge, odnosno odgovarajućim pravilima i uslovima koji se na njih odnose. Za korisnike usluga RaiffeisenOnLine sastavni deo ovih Opštih uslova poslovanja su i Pravila i uslovi za korišćenje usluga RaiffeisenOnLine elektronskog bankarstva; za korisnike Moja eBanka biznis i,mobilnog bankarstva Moja mBanka biznis,sastavni deo ovih Opštih uslova poslovanja su i Pravila i uslovi za korišćenje usluga mobilnog bankarstva Moja mBanka biznis i elektronskog bankarstva Moja eBanka biznis; za korisnike Hal E-bank sastavni deo ovih Opštih uslova poslovanja su i Pravila i uslovi za korišćenje Hal E-bank sistema elektronskog bankarstva. Navedena dokumenta su dostupna u svim ekspoziturama Banke, a nalaze se i na internet stranici Banke xxx.xxxxxxxxxxxxxx.xx. Banka može da omogući klijentu korišćenje elektronskog bankarstva drugih xxxxxx xx xxxxxx xxx ugovoren odnos po pitanju razmene podataka koji se odnose na platne naloge i podatke o računima klijenta. Klijent i Banka mogu ugovoriti korišćenje usluga u vezi sa izvršavanjem domaćih platnih transakcija u dinarima, koje se mogu izvršiti i na neki od sledećih načina: • Trajnim nalogom • Direktnim zaduženjem Osim navedenih dodatnih usluga, Banka klijentu može ponuditi i druge usluge koje će se urediti posebnim ugovorom ili aneksom postojećeg ugovora koji se zaključuje između Banke i klijenta. Banka vrši registraciju menica za pravna lica sa statusom rezidenta. Registracija menica se vrši ispostavljanjem zahteva u papirnoj formi na šalteru Banke ili u elektronskoj formi pristupanjem Centralnom registru elektronskih menica (u daljem tekstu CReM). Elektronske menice koristiće se uporedo sa papirnim menicama, pri čemu će elektronske menice sadržati sve podatke koji su propisani Zakonom o menici i koji se i xxxx koriste. | pending payments. It is possible to send Instant payment with future value date. Every Instant payment having stopped because of the security reason or lack of funds, will be executed once all prerequisites are completed. For the conducted transactions in the client’s current account the Bank provides a report in the form of account statement or an appropriate document that confirms execution of the order. Account statement is created for the days when transactions occurred on the account, but not later than two business days when the transaction 6greemen. Statement is delivered to the Client in the manner specified by the Client when the account was opened or by a subsequent request. If the Client does not receive account statement in the agreed manner and within 2 business days from the transaction, the Client is obliged to notify the Bank thereof. The Client is obliged to take account of the statements obtained from the Bank and to submit a complaint to the Bank in case of any discrepancy or denial of transaction, not later than 3 business days from availability of account statement from the Bank. The Bank shall examine each discrepancy indicated by the Client, provide relevant information and make necessary adjustments and corrections in the client’s account, depending on such information. 4. ADDITIONAL SERVICES At the request of the Client, the Bank allows use of electronic and mobile banking offered: • RaiffeisenOnLine • Hal E-bank • Moja eBanka biznis • Mobile banking Moja mBanka biznis Characteristics and conditions for the use of additional services are defined in separate agreements for these services and/or appropriate Rules and Terms governing these services. For users of RaiffeisenOnLine e-banking services, Rules and Terms for the Use of RaiffeisenOnLine E-banking also make an integral part of these General Operating Terms; for users of Moja eBanka biznis, Mobile banking Moja mBanka biznis and telephone banking, Rules and Terms for the use of mobile and telephone banking Moja mBanka biznis and electronic banking Moja eBanka biznis for legal entities and enterpreneurs also make an integral part of these General Operating Terms; for users of Hal E-bank, Rules and Terms for the use of Xxxxxx E-bank system of E-banking make an integral part of these General Operating Terms. Above documents can be obtained in any of the Bank’s branch offices as well as on the Bank’s webpage xxx.xxxxxxxxxxxxxx.xx. The Bank can enable also usage of other electronic banking systems or services offered by other banks, with which the Bank has agreed on cooperation on exchange of data referring to payment orders and client account data. |
Upotreba elektronskih menica putem CReM podrazumeva pristup klijentskim nalozima i korišćenje naloga meničnih dužnika i poverilaca u okviru CReM, na način da se sve radnje koje se odnose na e-menice (kreiranje, registracija, predaja e- menica poveriocu, naknadni prenos i naplata (prinudna) po registrovanim e-menicama), obavljaju putem CReM-a. Pristup CRem-u, omogućen xx xxxxx xxxxxx elektronskog i mobilnog bankarstva Raiffeisen banke a.d. Beograd. Preko servisa elektronskog i mobilnog bankarstva meničnih dužnika i poverilaca, Banka šalje sve neophodne podatke CReM-u radi prepoznavanja korisnika, nakon čega se klijentu otvara njegov nalog u CReM-u. Za korišćenje naloga u okviru CReM-a, tj. za preduzimanje svih akcija sa e-menicama, kao i kasniju izmenu prava pristupa, obavezno je sledeće: 1. da ovlašćena lica za rad sa CReM poseduju kvalifikovane elektronske sertifikate registrovane za potpisivanje u cloud-u, izdate xx xxxxxx ovlašćenih izdavalaca tih sertifikata u Republici Srbiji, u skladu sa njihovim pravilima i uslovima. 2. dostaviti banci a. dokument Zahtev za dodelu ovlašćenja za pristup Centralnom registru elektronskih menica preko servisa elektronskog i mobilnog bankarstva Raiffeisen banke a.d., dostupan na internet stranici Banke xxxxx://xxx.xxxxxxxxxxxxxx.xx/xx/xxxxxxxx/xxxx ni-promet/domaci-platni-promet.html. b. Zahtev xxxx biti potpisan kvalifkovanim elektronskim sertifikatom xx xxxxxx ovlašćenog lica klijenta, ukoliko je potpis kreiran korišćenjem sertifikata izdatim xx xxxxxx sertifikacionog tela koje je registrovano u Republici Srbiji ili u originalu u ekspozituri banke. 3. da ovlašćena lica za rad sa CReM budu korisnici elektronskog i/ili mobilnog bankarstva Pravo pristupa CReM-u se vezuje za jedinstveni matični broj građanina (JMBG) koji je korisnik elektronskog i/ili mobilnog bankarstva, te u slučaju korišćenja više servisa elektronskog i mobilnog bankarstva, pravo pristupa korisniku se ne može ograničiti na jedan od njih. Klijent xx xxxxx da bez odlaganja prijavi Banci otkazivanje pristupa CReM-u za svakog svog korisnika kanala elektronskog i mobilnog bankarstva, bez obzira da xx xx već otkazao uslugu elektronskog ili mobilnog bankarstva. Banka zadržava pravo da svakom zakonskom zastupniku koji zastupa pravno lice bez ograničenja, a koji je ujedno ovlašćen xx xxxxxxxx servisima elektronskog i mobilnog bankarstva, dodeli pristup CReM-u bez ograničenja (sve akcije sa elektronskim menicama). Xxxxx xx od meničnog poverioca naplatiti naknadu za povlačenje naloga iz prinudne naplate po osnovu e-menice, uvećano za troškove u skladu sa važećom Odlukom o dopunama odluke o jedinstvenoj tarifi po kojoj Narodna banka Srbije naplaćuje naknadu za izvršene usluge (tarifni broj 12, tarifni stav 4-Naknada za povlačenje naloga iz prinudne naplate). Banka zadržava pravo da odbije zahtev klijenta za povlačenje naloga iz prinudne naplate ukoliko na dinarskom tekućem | The client and the Bank may agree use of the services related to execution of domestic payment transactions in dinars which can also be executed as follows: • By standing order • By direct debit order Except for the above additional services, the Bank may also offer to the client other services which will be regulated under special agreement or annex to the existing agreement concluded between the Bank and the Client. The bank registers bills of exchange for legal entities with resident status. Registration of bills of exchange is carried out by issuing a request in paper form at the counter of the Bank or in electronic form by accessing the Central Register of Electronic Bills of Exchange (hereinafter: CReM). Electronic bills of exchange will be used in parallel with paper bills of exchange, whereby electronic bills of exchange will contain all the information prescribed by the Law on Bills of Exchange and which are still used now. The use of electronic bills of exchange through CReM implies access to client orders and the use of bills of exchange accounts and creditors within the CReM, in such a way that all actions related to e-bills of exchange (creation, registration, handing over of e-bills of exchange to the creditor, subsequent transfer and collection (compulsory) on registered e-bills) are performed through CReM. Access to CRem is provided through the electronic and mobile banking channels of Raiffeisen banka a.d. Belgrade. Through the electronic and mobile banking services of bills of exchange debtors and creditors, the Bank sends all the necessary data to CReM for the purpose of recognizing the user, after which the client's account in CReM is opened. In order to use the CReM, i.e. To take all actions with e-bills, as well as the subsequent modification of access rights, the following is mandatory: 1. that authorized persons for work with CReM are in possession of qualified electronic certificates registered for signing in the cloud, issued by authorized issuers of such certificates in the Republic of Serbia, in accordance with their terms and conditions. 2. submit to the bank a. Request for granting authorization to access the Central Registry of Electronic Bills of Exchange through the electronic and mobile banking service of Raiffeisen banka a.d., available on the website of Banka xxxxx://xxx.xxxxxxxxxxxxxx.xx/xx/xxxxxxxx/xxxx ni-promet/domaci-platni-promet.html. b.The application must be signed with a qualified electronic certificate by an authorized person of the client, if the signature was created using a certificate issued by a certification body registered in the Republic of Serbia or in the original at a bank branch. 3. that authorized persons to work with CReM are users of electronic and/or mobile banking The right of access to CReM is tied to the user's unique identification number (JMBG) and in the case of using more than one electronic and mobile banking service, the right of access to the user cannot be limited to one of them. |
računu klijenta nema dovoljno sredstva za naplatu naknade za povlačenje naloga iz prinudne naplate po osnovu e-menice. 5. PRIJEM PLATNOG NALOGA Uredno popunjene platne naloge klijent dostavlja u Banku u papirnoj formi ili ih šalje korišćenjem elektronskog ili mobilnog bankarstva, odnosno na drugi način koji je posebno ugovoren sa Bankom. Pod uredno popunjenim platnim nalogom podrazumeva se nalog koji sadrži minimum zakonom propisanih elemenata. Za domaće platne transakcije u dinarima potrebni elementi platnog naloga su: • naziv i broj tekućeg računa platioca, • Ime i prezime, odnosno naziv, sedište i broj tekućeg računa primaoca plaćanja, • iznos, šifra plaćanja, datum izvršenja • model i poziv na broj odobrenja ukoliko je to propisano ili zahtevano xx xxxxxx primaoca plaćanja. • model i poziv na broj zaduženja ukoliko je to propisano ili zahtevano xx xxxxxx primaoca plaćanja. Za međunarodne platne transakcije, kao i domaće platne transakcije u valuti drugih država, potrebni elementi naloga su: • naziv, matični broj i broj tekućeg računa platioca, • naziv, broj tekućeg računa ili IBAN i zemlja primaoca plaćanja (klijentu se preporučuje da dostavi i punu adresu primaoca plaćanja); • SWIFT adresa, naziv i zemlja banke primaoca, • valuta plaćanja i iznos, • šifra osnova iz šifarnika osnova Narodne banke Srbije • iznos plaćanja po navedenoj šifri osnova); • opcija xxxxxx (OUR/SHA/BEN) Nalog xxxx biti xxxxx ispunjen štampanim slovima i bez ispravki, i autorizovan na način predviđen ugovorom između klijenta i Banke. Banka neće izvršiti nalog za plaćanje koji je ispravljan, brisan ili na drugi način menjan. Klijent je odgovoran za tačnost i potpunost podataka na platnom nalogu. Naknadna ispravka podataka za realizovane domaće platne transakcije u dinarima nije moguća. Smatra se da xx Xxxxx primila platni nalog u trenutku xxxx xx on dostavljen ugovorenim sredstvima komunikacije. Banka ne prihvata platne naloge potpisane kvalifikovanim elektronskim potpisom, osim za dinarske i devizne transfere sredstava sa računa business platnih kartica na redovne račune. Ukoliko Banka primi platni nalog na xxx koji nije određen xxx xxxxx xxx Xxxxx, ili nakon vremena za prijem naloga definisanog Tarifom, smatraće se da xx Xxxxx primila platni nalog narednog radnog xxxx Xxxxx. Banka zadržava pravo da na xxx prijema naloga, a u okviru svojih mogućnosti, izvrši i naloge primljene posle rokova definisanih Tarifom. Navedeno ne važi za instant i interna domaća plaćanja. | The Client is obliged to report to the Bank without delay the cancellation of access to CReM for each of its users of the electronic and mobile banking channels, regardless of whether they have already canceled the electronic or mobile banking service. The Bank reserves the right to grant any legal representative representing a legal entity without restrictions, and who is also authorized to access electronic and mobile banking services, access to CRem without restrictions (all shares with electronic bills of exchange). The Bank shall charge a fee from the promissory note creditor for the withdrawal of an order from enforced collection on the basis of an e-bill of exchange, increased by costs in accordance with the applicable Decision on Amendments to the Decision on the Uniform Tariff at which the National Bank of Serbia Charges a Fee for Services Rendered (Tariff No. 12, Tariff Paragraph 4 - Fee for Withdrawal of Orders from Enforced Collection). The Bank reserves the right to reject the client's request for the withdrawal of the order from forced collection if there are insufficient funds on the client's dinar current account to charge the fee for the withdrawal of the order from forced collection based on the e-bill. 5. RECEIPT OF PAYMENT ORDER The client sends to the Bank duly completed payment orders in hard copies or sends them via electronic banking or Mobile Banking or otherwise, as specially agreed with the Bank. Duly completed payment order is a payment order containing the minimum of elements legally prescribed. For domestic payment transactions in dinars a payment order must contain the following mandatory elements: • Name, city and number of the payer’s current account, • Name and surname, name and city of the company and number of the payee’s current account, • Payment amount and code, date of execution • model and credit reference number if prescribed or requested by the payee • model and debit reference number if prescribed or requested by the payee For international payment transactions, as well as for domestic payment transactions in foreign currencies, an order must contain the following mandatory elements: • name, registration number and number of the payer’s current account, • name, number of current account or IBAN and country of the beneficiary (it is bank recommendation to write complete beneficiary address), • SWIFT address, name and country of the beneficiary bank, • Payment currency and amount, • Payment reference code according to the Code Book of the National Bank of Serbia |
Banka može da odbije izvršenje platnog naloga ukoliko nisu ispunjeni svi uslovi za njegovo izvršenje.O odbijanju izvršenja platnog naloga, kao i o razlozima za odbijanje, Xxxxx xx obavestiti klijenta usmeno prilikom dostavljanja naloga u ekspozituri Banke, povratnom porukom preko sistema elektronskog ili mobilnog bankarstva ili preko jednog od dostupnih kontakt podataka klijenta, osim u slučajevima xxxx xx obaveštavanje propisom zabranjeno. Nalog koji je odbijen smatra se da nije ni primljen. Nakon odbijanja naloga, Xxxxx xx izvršiti povraćaj rezervisanih sredstava, a informacija o tome klijentu će biti prosleđena putem elektronskog ili mobilnog bankarstva ili preko jednog od dostupnih kontakt podataka klijenta. Klijentu će obaveštenje o odobrenju računa po osnovu izvršenja transakcije instant plaćanja biti dostupno odmah preko sistema elektronskog ili mobilnog bankarstva a obaveštenje može dobiti i u ekspozituri xx xxxxxx zaposlenih banke. U slučaju da postoji sumnja da xx xxxxx do narušavanja bezbednosti na uređajima koje klijent koristi za elektronsko i mobilno bankarstvo, Banka zadržava pravo da zahteva dodatnu autorizaciju transakcije kontaktiranjem klijenta na jedan od dostupnih kontakt podataka. U slučaju postojanja sumnje da se u vezi sa nalogom za izvršenje transakcije radi o eventualnoj prevarnoj radnji, Banka zadržava pravo da zahteva dodatnu autorizaciju transakcije (dodatnu verifikaciju autentičnosti naloga) kontaktiranjem klijenta, prvenstveno putem telefonskog pozivanja klijenata, a ukoliko postoje prepreke za ovaj vid kontakta, kontaktiranjem putem drugih dostupnih kanala komunikacije. O nalozima instant plaćanja koje xx Xxxxx zadržala radi bezbednosnih provera, klijent će biti obavešten preko imejla koji je dostavljan Banci, koji će sadržati informaciju o dodatnim aktivnostima koje će biti sprovedene. Uplata i isplata gotovog novca vrši se u izabranim ekspoziturama Banke, u skladu sa vremenom naznačenim u Tarifi. Klijent je u obavezi da isplate iznosa većih od RSD 600.000 u dinarima ili u deviznoj protivvrednosti najavi Banci jedan radni xxx ranije. Prilikom prijema naloga za uplatu ne vrši se provera autentičnosti pečata i potpisa sa kartona deponovanih potpisa. Sve platne naloge dostavljene u papirnoj formi, kao i naloge/zahteve za isplatu i preuzimanje gotovog novca i efektive, Klijent dostavlja/obavlja u ekspozituri/ma koje odredi prilikom uspostavljanja poslovnog odnosa sa Bankom ili koje definiše naknadno posebnim zahtevom. Klijent se obavezuje da platne naloge banci fizički dostavlja na jedan od sledećih načina: a) preko lica ovlašćenog na kartonu deponovanih potpisa b) preko lica koje Klijent ovlasti svojim poslovnim punomoćjem, uz istovremenu punu identifikaciju tog lica c) preko lica koje Klijent ovlasti punomoćjem overenim xx xxxxxx javnog beležnika. 5.1. PRIMARNI KANALI ZA OBAVLJANJE PLATNIH USLUGA Elektronsko i mobilno bankarstvo su primarni kanali za obavljanje platnih usluga, pregled platnih transakcija i uvid u izvode i stanja po računima, a u okviru propisanih limita, na način i pod uslovima definisanim u posebnim ugovorima za te | • Payment amount under specified reference code • Charging option (OUR/SHA/BEN) The payment order must be legibly completed in block letters and without any corrections and authorised as defined by the agreement concluded between the client and the Bank. The Bank shall not execute payment order which has been corrected, erased or otherwise amended. The Client is responsible for accuracy and completeness of data in the payment order. Subsequent correction of data for executed domestic payment transactions in Dinars is not possible. It is considered that the Bank received a payment order when it was sent by agreed communication means. The Bank does not accept payment orders signed by digital qualified electronic sertificate, except transfer of funds from business cards accounts to the regular client accounts. If the Bank receives a payment order on the day which is not a business day of the Bank or after the cut off time defined in the Tariff, it will be considered that the Bank has received a payment order on the following business day. The Bank also reserves the right to execute, within its capacities, payment orders received after the cut off time defined in the Tariff. The above stated is not valid for Instant and internal payments. The Bank may reject execution of payment orders if all requirements for order execution have not been met. The Bank shall inform the client that execution of the payment order has been rejected, as well specify the reasons for rejection, verbally on payment order delivery or by contacting the client on one of the available contact details, via electronic or mobile banking, except in cases when such notification is against the law. Information about crediting account based on Instant transfer will be available via electronic and mobile banking; in addition, information can be obtained from the employees in the Bank. An order that has been rejected is considered unreceived. After payment ordernhas been rejected, the Bank will retourn reserved funds, and information about that will be sent to the client via electronis or mobile banking ot via one of the available contact that is in the Bank system. Information about executed payment order will be available immediately via electronis or mobile banking or via employee in the Bank. In the event that there is a suspicion that there has been a breach of security on devices that the client uses electronic and mobile banking, the Bank reserves the right to require an additional authorization of the transaction by contacting the client in one of the available contact information. In case of suspicion that the order for execution of the transaction is a possible fraud, the Bank reserves the right to request additional authorization of the transaction (additional verification of the authenticity of the order) by contacting the client, primarily through the phone call of clients, and if there are obstacles to this type of contact, by contacting through other available communication channels. |
usluge, odnosno odgovarajućim Pravilima i uslovima koji se na njih primenjuju, a koji su sastavni deo ovih Opštih uslova poslovanja i dostupnim su u svim ekspoziturama Banke i na internet stranici Banke xxxxx://xxx.xxxxxxxxxxxxxx.xx/xx/xxxxxxxx/xxxx-xxx-xxx- dostupni/raiffeisen-online-elektronsko-bankarstvo.html#acc- body-item-8e75d9275b ili na strani za logovanje, odnosno xxxxx://xxx.xxxxxxxxxxxxxx.xx/xx/xxxxxx/xxxxx-xxxxxx- poslovanja.html#tabs-ba4db90967-item-ca5c14c446-tab Samouslužni uređaj xxxxx xx primarni kanal za obavljanje platnih usluga isplate gotovog novca sa računa i uplate gotovog novca na račun u ekspozituri banke, za sve vrste platnih usluga uplate i isplate gotovog novca koje su na njemu omogućene, dok se ostale platne usluge isplate i uplate gotovog novca vrše u ekspozituri banke koja radi sa blagajnom, u okviru radnog vremena blagajne. U ekspoziturama Banke koje nemaju blagajnu, moguće su samo gotovinske platne usluge isplate i uplate na samouslužnim uređajima. 6. IZVRŠENJE PLATNE TRANSAKCIJE Xxxxx xx obavezna da izvrši ispravno popunjen platni nalog, primljen u skladu sa vremenom prijema definisanim Tarifom, uz uslov da na računu klijenta postoje raspoloživa sredstva na xxx izvršenja i da ne postoje zakonske prepreke za njegovo izvršenje. Domaće platne transakcije u dinarima između tekućih računa klijenata Banke (interna plaćanja), kao i domaća Instant plaćanja, izvršavaju se trenutno, 24 sata dnevno, xxxxx xxxx u nedelji, uključujući i državne praznike. Za izvršenje međunarodne platne transakcije i domaće platne transakcije u devizama, klijent je u obavezi da Banci dostavi i dokumenta kojima se dokazuje obaveza plaćanja i određuje osnov plaćanja u skladu sa propisima, ukoliko drugačije nije ugovoreno. Dokumenta se dostavljaju korišćenjem istog kanala xxxxx xx dostavljen nalog u skladu sa tehničkim ograničenjima aplikacije, osim xxxx xx kanal dostave naloga SWIFT ili drugi elektronski kanal kroz koji ova funkcionalnost nije dostupna. Za međunarodne platne transakcije i domaće platne transakcije u devizama Banka garantuje rok izvršenja do prve banke koja učestvuje u izvršenju naloga, sa datumom izvršenja do dva xxxxx xxxx, uvažavajući vreme prijema naloga definisano Tarifom. Rok odobrenja računa primaoca sredstava može da zavisi od načina usmeravanja plaćanja prema banci | Pending instant payments because of security reasons, the Client will be informed via e-mail that was provided to the Bank containing info about further steps to be taken. Deposit and withdrawal cash payments are executed in the selected branches of the Bank, in accordance with the cut off time specified in the Tariff. The client is obliged to announce to the Bank any withdrawals of amounts exceeding RSD 600,000 in dinars or in foreign exchange equivalent one day in advance. During cash deposit, the Bank does not check signature and stamp from specimen signature card. All payment orders in paper form, as well as payment orders for cash withdrawal, Clinet is doing in the Bank branch that is defined when establishing business relationship or with the additional request. Client is obliged to submit paperbased payment orders in the following manner: a) through the authorized person from the specimen signature card b) through the separately authorized person with the full identification c) through the person authorized by the public notary. 5.1. PRIMARY CHANNELS FOR PERFORMING PAYMENT SERVICES The use of electronic and mobile banking applications are the primary channels for performing payment services, reviewing payment transactions and viewing statements and account balances, and within the prescribed limits, in the manner and under the conditions defined in the particular contracts for those services, i.e. the corresponding rules and conditions that apply to them, which are an integral part of these General Terms and Conditions and are available in all branches of the bank and on the bank’s website xxxxx://xxx.xxxxxxxxxxxxxx.xx/xx/xxxxxxxx/xxxx-xxx- vam-dostupni/raiffeisen-online-elektronsko- bankarstvo.html#acc-body-item-8e75d9275b or on the login page or xxxxx://xxx.xxxxxxxxxxxxxx.xx/xx/xxxxxx/xxxxx-xxxxxx- poslovanja.html#tabs-ba4db90967-item-ca5c14c446-tab The use of the bank's self-sevice device is the primary channel for performing payment services of drawing cash from an account and paying cash to an account in a branch office of the bank, for all types of payment services of depositing and paying cash that are enabled on it, while other payment services of drawing cash or paying in cash, are made in a branch office the bank that works with the cash desk, within the working hours of the cash desk. In those branch offices that do not have a cash desk, only cash payment services, withdrawals and payments on self-service devices are possible. The payment service of drawing cash from an account, which is provided to clients-legal entities on the bank's self-service devices, is the drawing of dinars by using a business payment card, whereby the rights and obligations of the bank and the client are subject to the General Terms and Conditions of Raiffeisen banka a.d. Belgrade, which apply to the issuance of business debit cards to clients-legal entities, i.e. the General Terms and Conditions of Raiffeisen banka a.d. Belgrade, which apply to the issuance of business credit cards to clients-legal entities, which the client can inspect in the bank's branches and read on the bank's website.Dinars can also |
primaoca, terminskih planova korespondentskih banaka i banke primaoca. Za izvršenje međunarodne platne transakcije u dinarima, klijent dostavlja Banci dva naloga: međunarodni platni nalog u dinarima (obrazac 70) sa neophodnim detaljima za izvršenje platne transakcije i domaći platni nalog kojim prenosi pokriće za izvršenje platne transakcije po instrukciji Banke. Za ovu vrstu transakcije, Xxxxx xx izveštaj o realizovanoj transakciji dostaviti u formi izvoda po dinarskom tekućem računu otvorenog kod Banke, sa xxxx xx klijent obezbedio pokriće za izvršenje platne transakcije, prenoseći podatke koje je klijent naveo u domaćoj platnoj transakciji, kao i sa prolaznog dinarskog računa automatski otvorenog za realizaciju transakcija ovog tipa, ukoliko nije drugačije dogovoreno. Za izvršenje međunarodne platne transakcije i domaće platne transakcije u devizama. klijent na platnom nalogu može navesti jednu od sledećih opcija troškova: - OUR: u slučaju da troškove posredničkih banka snosi klijent. Korisnik sredstava će u ovom slučaju primiti pun iznos sredstava; - SHA/BEN: ukoliko troškovi posredničkih banaka padaju na teret korisnika sredstava. U xxx slučaju,iznos sredstava prenetih na račun korisnika xxxx umanjen za provizije posredničkih banaka. Očekivani iznos ovih troškova svake pojedinačne posredničke xxxxx xx okvirno do EUR 50 i zavisi od iznosa plaćanja; Ukoliko na platnom nalogu kojim se inicira međunarodna platna transakcija nije navedena opcija troškova, podrazumevana opcija je SHA. Ukoliko klijent na nalogu navede opciju BEN, Xxxxx xx opciju troškova BEN, izvršavati kao opciju SHA. U slučaju međunarodnih platnih transakcija i domaćih platnih transakcija u devizama, Banka smatra platni nalog izvršenim xxxx xx iznos platne transakcije po platnom nalogu klijenta odobren do prve banke koja učestvuje u posredovanju ili izvršavanju platnog naloga. Za domaće platne transakcije u dinarima datum zaduženja tekućeg računa klijenta xxxxxx xx datumu kada se odobrava račun banke primaoca. Xxxxx xx odgovorna za pravilno izvršenje transakcije inicirane xx xxxxxx klijenta samo do momenta prenosa novčanih sredstava banci primaoca. Kod izvršenja platne transakcije, klijent može na nalogu navesti datum u budućnosti kao željeni datum izvršenja platne transakcije. Ukoliko datum nije naveden, smatraće se da je željeni datum izvršenja naloga jednak datumu prijema naloga. U slučaju da se platni nalog ne izvrši na zadati xxx zbog nedovoljno sredstava na računu, realizacija naloga će se pokušati sledeća 2 xxxxx xxxx (ukoliko nije drugačije naynačeno), nakon čega će se smatrati da je platni nalog odbijen. Banka na zahtev klijenta ovaj rok može da produži. Neizvršavanje platnog naloga zbog blokade računa klijenta ne smatra se odbijanjem naloga, te o navedenom Banka nije u obavezi da obavesti klijenta. | 6. EXECUTION OF PAYMENT TRANSACTIONS The Bank is obliged to execute a properly completed payment order, received in accordance with the cut off time defined in the Tariff, provided that there is sufficient balance in the Client’s account at the time of order execution and there are no legal obstacles hindering execution. Domestic payment transactions in dinars between the current accounts of the Bank's clients (internal payments), as well as domestic Instant payments, are executed instantly, 24 hours a day, seven days a week, including public holidays. For execution of international and domestic payment transactions in foreign currency, the Client is also obliged to deliver to the Bank documents proving that payment obligation and payment reference are in compliance with the regulations, unless it has been otherwise agreed. The documents should be submitted to the Bank using the same channel through which the order was submitted respecting the application limit, except where the order delivery channel is SWIFT or another electronic channel through which this functionality is not available. For international and domestic payment transactions in foreign currency the Bank guarantees the execution period, respecting the cut off time defined in the Tariff until the first bank involved in the execution of the order with the execution date up to two business days. The deadline for crediting the Client’s account may depend on the manner of forwarding payment to the payee’s bank, time schedule of correspondent banks and the payee’s bank. Domestic payment transactions in dinars between current account of the Bank, are executed instantly, 24h a day, seven days a week, official holidays are included. For the execution of the international payment order in dinars, Client submits the Bank with two payment orders: international payment order in dinars (form 70) with all necessary details for execution and domestic payment order with the dinar coverage funds for the execution of the payment order based on the Bank instruction. For this kind of transaction, the Bank will provide dinar account statement from the account opened with the bank, where coverage were sent, obraining details stated on the dinar payment order, as well as from a pass-through dinar account automatically opened for the realization of transactions of this type, unless otherwise agreed. The client may specify on the payment order one of the following charging options: - OUR: in case that costs of intermediary banks are paid by the client. In this case, the beneficiary will receive full amount; - SHA/BEN: in case that costs of intermediary banks are paid by the beneficiary. In that |
U slučaju da je klijent uneo u platni nalog neispravan račun primaoca plaćanja ili neki drugi neispravan element naloga, banka nije odgovorna klijentu za neizvršenje ili nepravilno izvršenje platne transakcije. Po zahtevu klijenta koji je u platni nalog uneo neispravan račun primaoca plaćanja, xxxxx xx odmah da preduzme sve razumne mere kako bi klijentu bio vraćen iznos platne transakcije, a pružalac platnih usluga primaoca plaćanja xx xxxxx da u xxx cilju sarađuje sa bankom, kao i da joj pruži sve potrebne informacije kako bi došlo do povraćaja iznosa platne transakcije. Ako povraćaj sredstava ne bude moguć (iz razloga odbijanja zahteva za povraćaj sredstava xx xxxxxx primaoca plaćanja ili njegove banke), xxxxx xx na pismeni zahtev klijenta odmah dostaviti sve raspoložive informacije koje su klijentu potrebne za ostvarivanje prava na povraćaj novčanih sredstava (npr. informacije o primaočevom pružaocu platnih usluga i /ili o primaocu plaćanja). Klijent je u obavezi da u slučaju promene xxxx xxxx xx xxxx ovlašćena za raspolaganje sredstvima po računu putem sistema elektronskog ili mobilnog bankarstva, bez odlaganja obavesti Banku o tome u formi zahteva za otkazivanje prava pristupa elektronskom i/ili mobilnom bankarstvu. Izmena kartona deponovanih potpisa se odnosi isključivo na papirne naloge i ne obuhvata izmenu po elektronskim kanalima. Klijent je odgovoran i snosi štetu koja nastane zbog izvršenja platne transakcije prouzrokovane gubitkom, krađom ili zloupotrebom platnog naloga kao i usled neadekvatnog čuvanja sigurnosnih obeležja platnog instrumenta i nepridržavanja bezbednosnih preporuka za korišćenje elektronskog i mobilnog bankarstva. Primljeni dinarski platni nalog koji xxx uvek nije realizovan xx xxxxxx Xxxxx, moguće je opozvati na osnovu pismenog zahteva klijenta potpisanog u skladu sa kartonom deponovanih potpisa ili preko elektronskog ili mobilnog bankarstva u okviru kojih je dostupna ova funkcionalnost za domaće platne transakcije u dinarima. Primljeni devizni platni nalog koji xxx uvek nije realizovan xx xxxxxx Xxxxx, moguće je opozvati na osnovu pismenog zahteva klijenta potpisanog u skladu sa kartonom deponovanih potpisa, zahteva primljenog sa i-mejl adrese registrovane u sistemu Banke ili preko elektronskog/mobilnog bankarstva u okviru kojih je dostupna ova funkcionalnost. Banka ne može postupiti po zahtevu klijenta za opoziv naloga za plaćanje nakon što je isti izvršila u internom platnom prometu odnosno nakon što je nalog za plaćanje prosleđen u međubankarske platne sisteme. Banka ne odgovara za štetu koju pretrpi klijent, a koja nastupi neizvršenjem ili neblagovremenim izvršenjem naloga klijenta u slučajevima prouzrokovanim dejstvom više xxxx xxx što su: rat, prirodna ili ekološka katastrofa, epidemija, prestanak isporuke električne energije i prekid telekomunikacijskih veza, kao i svih drugih sličnih uzroka xxxx nastanak nije prouzrokovan aktivnošču Banke. Xxxxx xx bez pribavljanja posebne saglasnosti i platnog naloga klijenta zadužiti njegov tekući (dinarski ili devizni) račun u sledećim slučajevima: | case, the amount transferred to the beneficiary’s account will be reduced by the fees of intermediary banks. Expected amount of these fees for each intermediary bank is roughly up to EUR 50 and depends on the amount of the payment order If charging option is not specified on the payment order initiating an international payment transaction, the option SHA shall be applied. In the case of chosen BEN option, the bank will execute option BEN in the same manner as it is option SHA. In case of international and domestic payment transactions in foreign currency, the Bank considers a payment order to be executed when the amount of payment transaction per client’s payment order has been credited until the first bank involved as intermediary or in execution of payment order. For domestic payment transactions in dinars, the date of debiting the client’s current account is equal to the date when the account of the payee’s bank is credited. The Bank is responsible for proper execution of the transaction initiated by the client only until transfer of funds to the payee’s bank. When payment transaction is made, the client may specify on the order the future date as a desired date for payment transaction execution. If the date is not specified, it will be considered that that the desired date of order execution is the same as the order receipt date. In case that payment order is not executed on the given date due to insufficient fundse on the account, execution of the order will be attempted in the following 2 business days (unless otherwise requested), whereafter payment ordered will be rejected. At the request of the client, the Bank may prolong this deadline. Non-execution of the payment order due to the blockade of the client’s account is not considered as rejection of the payment order and therefore the Bank is not obliged to notify the client thereof. In case the client has entered into the payment order an incorrect beneficiary account number or another incorrect element of the order, the Bank is not responsible to the client for non-execution or incorrect exection of payment transaction. Based on the client request who entered incorrect beneficiary account number, the Bank will do all necessary steps to make funds refund, and at the same time, beneficiary bank is obliged to cooperate with the Bank and to provide all necessary information in order to make funds refund. If funds refund is not possible (due to rejection of the beneficiary or beneficiary bank), based on the client written request, the Bank will provide all possible information in order to help client to obtain the rights to make funds refund (for example: information about beneficiary bank or beneficiary). In the event of a change in the persons who were authorized to dispose of the funds on the account through the electronic or mobile banking system, the Client is obliged to inform the Bank without delay in the form of a |
• na zahtev nadležnog organa ovlašćenog za sprovođenje postupka prinudne naplate; • na osnovu dospelih menica i ovlašćenja direktnog zaduženja iniciranih xx xxxxxx poverilaca, kao i ostalih osnova u skladu sa zakonom; • u slučaju pogrešno odobrene domaće platne transakcije u dinarima na tekući račun klijenta Banke, a na osnovu dostavljenih dokaza platiočevog pružaoca platnih usluga (druga banka). Tako primljena sredstva, Xxxxx xx bez odlaganja odmah vratiti platiočevom pružaocu platnih usluga; • u slučaju korekcije greške Banke nastale u izvršenju transakcija platnog prometa, pogrešnih knjiženja zaduženja ili odobrenja računa, • po osnovu naplate svih dospelih neizmirenih iznosa glavnice, xxxxxx, naknada i troškova koje klijent duguje po osnovu bilo kojeg ugovora sa Bankom. Izvršenje navedenih platnih transakcija ne smatra se neodobrenom platnom transakcijom. Xxxxx xx o navedenim transakcijama klijenta obavestiti putem izvoda tekućeg računa. U slučaju pogrešno izvršene platne transakcije xx xxxxxx Xxxxx, uključujući i zakašnjenje sa izvršenjem, klijent može da zahteva xx Xxxxx izvršenje platne transakcije, ispravku pogrešno izvršene platne transakcije, odnosno povraćaj iznosa pogrešno izvršene platne transakcije. Klijent gubi ovo pravo ako o pogrešnom izvršavanju platne transakcije ili izvršenju neautorizovane platne transakciji ne obavesti Banku odmah po saznanju, a najkasnije u roku od 6 meseci od xxxx zaduženja odnosno odobrenja tekućeg računa. Rok od 6 meseci se ne primenjuje ako xx Xxxxx propustila da klijentu dostavi ili staviti na raspolaganje informaciju o toj platnoj transakciji. U xxx slučaju klijent može ostvariti svoja prava i u roku dužem od navedenog. Platne transakcije upućene u korist računa klijenta izvršavaju se tako što se odobrava račun klijenta koji je naveden kao račun primaoca u platnom nalogu. Banka se ne obavezuje da vrši proveru ispravnosti i usaglašenosti drugih podataka navedenih u platnom nalogu. Ukoliko transakcija odobrenja pristigla xx xxxxx xxxxx, sadrži neispravan ili nepotpun broj računa primaoca, Xxxxx xx tako upućena sredstva vratiti uplatiocu, istog ili najkasnije narednog radnog xxxx. Xxxxx xx postupiti na isti način i u slučaju kada su sredstva upućena u korist računa klijenta koji je ugašen. Kod izvršenja međunarodnih platnih transakcija u korist računa klijenta, u slučaju da nalogodavna banka nakon slanja platnog naloga putem SWIFT-a, a do datuma valute naznačenog u SWIFT poruci, obustavi ili izmeni nalog, Xxxxx xx postupiti u skladu sa izmenjenim instrukcijama bez saglasnosti klijenta. Za transakcije koje obuhvataju kupoprodaju deviza i efektivnog stranog novca, primenjuju se kursevi iz kursne liste Banke, xxxx xx važeća na xxx izvršenja transakcije. Kursna lista Banke dostupna je u svim ekspoziturama Banke, kao i na internet stranici Banke. | request for cancellation of the right of access to electronic and/or mobile banking. The amendment of the specimen signatures card applies exclusively to paper orders and does not include the exchange by electronic channels. The client is responsible and shall cover damage incurred due to execution of payment transaction caused by loss, theft or abuse of payment order, as well as due to inadequate keeping of security signs of the payment instrument and non-observance of security recommendations for use of electronic and mobile banking. A received dinar payment order which has not yet been realised by the Bank can be revoked based on the client’s written request in accordance with authenticated specimen signatures or through electronic or mobile banking which allow this functionality for domestic payment transactions in dinars. A received international payment order which has not yet been realised by the Bank can be revoked based on the client’s written request in accordance with authenticated specimen signatures, request received from e-mail address registered in the system or through electronic/mBanking application which allows this functionality. The Bank may not act upon client’s request for revocation of payment order after the order has already been executed in the internal payment system, that is, after the order has been forwarded to the banks payment systems. The Bank is not liable for any damage suffered by the client which occurs due to non-execution or untimely execution of the client’s order in cases caused by force majeure such as: war, natural or environmental disaster, epidemic, power outage and disconnection of communications, as well as other events not caused by the Bank’s activity. The Bank shall debit the client’s current (dinar or foreign currency) account, without obtaining any special approval and payment order from the client, in the following cases: • Upon request of the competent authority authorised for conducting enforced collection procedure; • Based on matured promissory notes and authorisation for direct debit initiated by creditors, as well as other reasons, in accordance with law; • In case of incorrectly approved domestic payment transaction in dinars on the client’s account, based on submitted evidence of the payer’s provider of payment services (other bank). The Bank shall immediately return thus received funds to |
Na izvršenje međunarodnih platnih transakcija i platnih transakcija u valuti drugih država ne primenjuju se sledeće odredbe xxxxx III Zakona o platnim uslugama i to odredbe: člana 35 o prijemu platnog naloga; člana 36 o odbijanju izvršenja platnog naloga; člana 40 o naknadama pružaoca platnih usluga i posrednika u vezi sa izvršenjem platne transakcije; člana 43 o dostavljanju platnog naloga preko pružaoca platnih usluga primaoca plaćanja; člana 46 o datumu valute i raspolaganju novčanim sredstvima u slučaju uplate gotovog novca na platni račun; člana 51 o odgovornosti platioca za neodobrenu platnu transakciju; člana 52 o isključenju odgovornosti za neodeobrene platne transakcije u elektronskom novcu; člana 53 o odgovornosti za neizvršenu ili nepravilno izvršenu platnu transakciju xxxx xx inicirao platilac; člana 54 o odgovornosti za neizvršenu ili nepravilno izvršenu platnu transakciju xxxx xx inicirao primalac plaćanja ili platilac preko primaoca plaćanja; člana 56 o pravima i obavezama pružalaca platnih usluga kod pojedinih slučajeva nepravinog izvršenja platne transakcije; člana 57 o odgovornosti posrednika za neizvršenu ili nepravilno izvršenu platnu transakciju;; člana 59 o odgovornosti za štetu nastalu zbog neodobrene, neizvršene ili nepravilno izvršene platne transakcije; člana 60 o teretu dokazivanju izvršenju platne transakcije; člana 61 o obaveštenju odnosno zahtevu kao uslovu za povraćaj iznosa ili pravilno izvršenje platne transakcije; člana 63 o povraćaju iznosa odobrene i pravilno izvršenJe platne transakcije; člana 65 o izvršenju platnih transakcija po osnovu platnih instrumenata za plaćanje male novčane vrednosti i člana 66 o izvršenju platnih transakcija po osnovu menica. Na izvršenje domaćih platnih transakcija ne primenjuju se sledeće odredbe Zakona o platnim uslugama i to odredbe člana 51 o odgovornosti platioca za neodobrenu platnu transakciju člana 54 o odgovornosti za neizvršenu ili nepravilno izvršenu platnu transakciju xxxx xx inicirao primalac plaćanja ili platilac preko primaoca plaćanja; člana 60 o teretu dokazivanja izvršenja platne transakcije i člana 63 o povraćaju iznosa odobrene i pravilno izvršene platne transakcije. Banka ne snosi odgovornost u slučaju zaustavljanja, zadržavanja i/ili neizvršenja transakcije i /ili zamrzavanja novčanih sredstava usled primene mera međunarodnih finansijskih sankcija xx xxxxxx korespondentnih banaka. Prilikom primene međunarodnih finansijskih sankcija, u skladu sa standardima Raiffeisen xxxxx, Xxxxx xxx pravo da odbije izvršenje platne transakcije ukoliko se utvrdi da se učesnici, direktno ili indirektno, nalaze na listama sankcija propisanih xx xxxxxx EU, UN, OFAC ili druge međunarodne ili inostrane institucije, odnosno ukoliko transakcija uključuje robu i/ili usluge xxxx je promet ograničen ili zabranjen merama međunarodnih finansijskih sankcija, odnosno ukoliko bi izvršenje transakcije moglo imati za cilj pokušaj zaobilaženja i/ili kršenja mera međunarodnih finansijskih sankcija. 7. GAŠENJE TEKUĆEG RAČUNA Banka sprovodi postupak gašenja računa na osnovu pismenog zahteva klijenta koji je potpisan xx xxxxxx zakonskog zastupnika. Klijent je u obavezi da pre podnošenja zahteva za gašenje računa izmiri sve obaveze prema Banci po bilo kom osnovu. Xxxxx xx odbiti zahtev za gašenje tekućeg računa klijenta koji je u blokadi, kao i u slučaju kada klijent ima neizmirene obaveze prema Banci. | the payer’s provider of payment services; • In case of a correction of the Bank’s error made during payment transaction execution, incorrect debit, or credit of account, • Making collection of all due outstanding amounts of principal, interest, fees, and charges owed by the client against any contract with the Bank. Execution of above payment transactions is not considered as unapproved payment transaction. To inform the client of above transactions, the Bank shall provide current account statements. In case of incorrectly executed payment transaction by the Bank, including delayed execution, the client may request the Bank to execute a payment transaction, rectify any incorrectly executed payment transaction and/or reimburse the amount of incorrectly executed payment transaction. The client shall lose this right if they fail to notify the Bank of incorrect execution of payment transaction or execution of non-authorised payment transaction immediately upon they become aware thereof, but not later than 6 months from current account debit or credit. The timeframe of 6 months shall not apply if the Bank has failed to submit or provide information about respective payment transaction. In that case, the clients may also exercise their rights over longer period. Payment transactions to credit the client’s account are executed by crediting the account stated in the payment order. The Bank is not obliged to check whether other data specified in the payment order is accurate or reconciled. If the payment order to credit the client’s account contains incorrect or incomplete number of the client’s account, the Bank shall return the remitted funds to the payer on the same day or on the following business day at the latest. The Bank shall act the same in case the funds are remitted to the client’s account which has been closed. For international incoming transactions, in case that the ordering bank suspends or amends the order, after sending a payment order via SWIFT, but before the transaction value date, the Bank shall act in accordance with amended instructions without approval of the client. For transactions that include purchase of foreign currency and effective foreign currency, exchange rates from the Bank’s exchange rate list, valid on the day of transaction execution, will be applied. The Bank’s exchange rate list of the Bank is can be found in any branch office of the Bank, as well as on the Bank’s webpage. Execution of international payment transactions and payment transactions in the currencies of other countries is not subject to the following provisions of section III of the Law on Payment Services, as follows: Article 35 regulating payment order receipt: Article 36 regulating rejection of payment order execution; Article 40 governing the fees and commissions charged by the provider of payment services and intermediary in connection with |
Banka može ugasiti račun klijenta i bez zahteva klijenta, u skladu sa ugovorom o otvaranju računa i važećim propisima, odnosno Banka ima pravo da jednostrano raskine ugovor o platnom računu i bez otkaznog roka, u skladu sa Zakonom o sprečavanju pranja novca i finansiranja terorizma, o čemu će obavestiti Klijenta dostavljanjem pismenog obaveštenja o otkazu. Urednom dostavom obaveštenja o otkazu ugovora smatra se slanje otkaza preporučenom poštom na adresu iz ugovora o platnom računu i /ili na e-mail adresu xxxx xx klijent registrovao u Banci. Banka ima pravo da raskine poslovni odnos i ugasi račune klijenta, ukoliko se utvrdi da se klijent direktno ili indirektno, nalazi na listama sankcija propisanih xx xxxxxx EU, UN, OFAC ili druge međunarodne ili inostrane institucije, odnosno da je u vlasništvu ili pod kontrolom sankcionisanih lica ili da na drugi način učestvuje u aktivnostima sa sankcionisanim licima ili licima osnovanim u sankcionisanim zemljama ili licima poslovnim aktivnostima povezanim sa licima osnovanim u sankcionisanim zemljama, kao i u slučaju učestvovanja u transakcijama koje bi xxxxx imati za cilj pokušaj zaobilaženja i/ili kršenja mera međunarodnih finansijskih sankcija. Banka ima pravo da raskine poslovni odnos i da ugasi račune klijenta koji nije dostavio odgovarajuću dokumentaciju za nastalu promenu podataka xxxx xx evidentirana u nadležnom registru. Zatečena sredstva Banka prenosi na račun otvoren kod Banke za sredstva koja se ne koriste, a koja se dalje mogu preneti na zahtev zastupnika. Banka prati aktivnost otvorenih tekućih računa klijenata i ukoliko ustanovi da po računu nije bilo poslovnih promena u periodu od 180 xxxx neprekidno, smatra račun neaktivnim i zadržava pravo da ga ugasi bez saglasnosti i posebnog obaveštavanja klijenta. 8. NAKNADA ZA USLUGE Banka klijentu obračunava i naplaćuje naknade u vezi sa uslugama izvršenja domaćih i međunarodnih platnih transakcija, kao i ostale naknade navedene u Tarifi. Naknade iz Tarife koje su iskazane u stranoj valuti obračunavaju se po srednjem kursu Narodne banke Srbije na xxx obračuna. Za pravna lica rezidente, naknada za izvršene dinarske domaće platne transakcije će se obračunavati i naplaćivati petnestodnevno. Na zahtev klijenta, Xxxxx xx obezbediti detaljnu specifikaciju naknada po nalozima. Za pravna lica nerezidente, predstavništva stranih pravnih lica, diplomatsko konzularna predstavništva i strana udruženja, naknada će se obračunavati i naplaćivati dnevno po nalogu, odnosno petnaestodnevno na zahtev klijenta. Za međunarodne platne transakcije, kao i za domaće transakcije u devizama, naknada se obračunava i naplaćuje na dnevnom nivou na xxx obrade platnog naloga, ukoliko sa klijentom nije dogovorena drugačija dinamika obračuna i naplate naknada. Mesečne naknade iskazane u Tarifi se obračunavaju na kraju kalendarskog meseca na koji se odnose, ili početkom sledećeg kalendarskog meseca za prethodni. | payment transaction execution; Article 43 governing delivery of payment orders via payee’s provider of payment services; Article 46 governing the value date and availability of funds in case of depositing cash in the payment account; Article 51 governing the payer’s responsibility for unapproved payment transaction; Article 52 governing exxlusion of responsibility for unapproved payment transactions in electronic money; Article 53 governing responsibility for unaccomplished or improperly executed payment transaction initiated by the payer; Article 54 governing responsibility for non-executed or incorrectly executed payment transaction initiated by the payee or payer via payee; Article 56 governing righs and obligations of the providers of payment services in certain cases of incorrect execution of payment transaction; Article 57 governing responsibility of the intermediary for non-executed or incorrectly executed payment transaction; Article 59 governing responsibility for any damage incurred due unapproved, non-executed or incorrectly executed payment transaction; Article 60 governing evidence of payment transaction execution; Article 61 governing notification and/or request as requirement for reimbursement of amount or correct execution of a payment transaction; Article 63 governing reimbursement of the amount of the approved and correctly executed payment transaction; Article 65 governing execution of payment transactions based on payment instruments for payment of small values and Article 66 governing execution of payment transactions based on bills of exchange. Execution of domestic payment transactions is not subject to the following provisions of the Law on Payment Operations: Article 51 governing responsibility of the payer for unapproved payment transaction; Article 54 governing responsibility for non-executed or incorrectly executed payment transaction initiated by the payee or the payer through the payee; Article 60 governing evidence of the execution of payment transaction and Article 63 governing reimbursement of the amount of the approved and correctly executed payment transaction. The Bank shall not be liable in the event of stopping, withholding and/or non-execution of the transaction and/or freezing of funds due to the application of international financial sanctions measures by the correspondent banks. When applying international financial sanctions, in accordance with the standards of the Raiffeisen Group, the Bank has the right to refuse to execute a payment transaction if it is determined that the participants, directly or indirectly, are on the sanctions lists prescribed by the EU, UN, OFAC or other international or foreign institutions, or if the transaction includes goods and/or services whose circulation is restricted or prohibited by the measures of international financial sanctions, that is, if the execution of the transaction could be aimed at attempting to circumvent and/or violate international financial sanctions measures. 7. CLOSING OF THE CURRENT ACCOUNT The Bank closes the account based on the written request of the client which is signed by the legal representative. The client is obliged to settle all outstanding obligations on whatsoever ground towards the Bank before submitting a request for closing an account. The Bank |
Godišnje naknade iskazane u Tarifi obračunavaju se na početku perioda na koji se naknada odnosi. Banka i klijent mogu način i periodiku naplate naknada iz Tarife ugovoriti i na drugi način. 9. KOMUNIKACIJA XXXXX XX KLIJENTOM I INFORMISANJE KLIJENATA Potpisivanjem ugovora o otvaranju i vođenju računa klijent potvrđuje da je upoznat sa Opštim uslovima poslovanja i da je saglasan sa njihovom primenom. Sve informacije u vezi sa Opštim uslovima poslovanja i računima koje Banka otvara, klijent može dobiti u svim ekspoziturama Xxxxx xxx i na internet stranici Banke. Za svaku pojedinačnu platnu transakciju, Xxxxx xx na zahtev klijenta dostaviti informacije o očekivanom roku izvršenja transakcije, kao i o svim naknadama koje snosi klijent. Banka obaveštava klijenta o promenama po računu na ugovoreni način u formi izvoda po računu koji sadrži početno i krajnje stanje kao i podatke o izvršenim platnim nalozima na teret i u korist računa. Način dostave izvoda po računu može biti: • preko imejl adrese xxxx xx klijent za tu svrhu učinio dostupnom Banci; • preko kanala elektronskog i/ili mobilnog bankarstva • preko SWIFT mreže, na BIC adresu xxxx xx klijent definisao odgovarajućim zahtevom; • preko drugog ugovorenog kanala Banka klijenta obaveštava o prilivu po deviznom računu pismeno, navodeći podatke o iznosu, valuti i uplatiocu, na jedan od načina koji je ugovoren sa klijentom: • preko imejl adrese xxxx xx klijent za tu svrhu učinio dostupnom Banci; • preko kanala elektronskog i/ili mobilnog bankarstva Banka klijenta može da obavesti putem imejla ili SMS porukom na broj telefona koji je klijent registrovao za određenu vrstu obaveštenja: • o blokadi i deblokadi računa klijenta • o odbijenim nalozima na zahtev Poreske uprave • o nalozima domaćeg platnog prometa za koje ne postoji pokriće na računu za njihovo izvršenje Banka može koristiti navedene kanale komunikacije za obaveštavanje klijenta o izmeni Tarife, kao i drugom osnovu u vezi sa Opštim uslovima poslovanja, a koji nije pojedinačno pomenut u dokumentu, koristeći barem jednu od definisanih imejl adresa ili brojeva telefona kao i izabranu ekspozituru banke. Takodje, Banka ista obaveštenja može da prosledi i na imejl ili broj telefona koji je klijent prijavio Banci i u drugu svrhu (kontakt imejl, telefon i slično). Banka zadržava pravo da otkaže štampu izvoda po tekućim računima koji se preuzimaju u nekoj | shall reject the request for closing the client’s current account which is blocked as well as in the case when the client has any outstanding obligations towards the Bank. The Bank may close the client’s account without request from the client, according to the contact on opening the account and applicable legal regulations, meaning that the Bank may unilaterally terminate the contract regarding the current account without prior notice in accordance with the Law on Prevention of Money Laundering and Terrorist Financing, and will notify the client of this by submitting a written notice of cancellation. Orderly delivery of the contract cancellation notice is considered to be the sending of a cancellation notice by registered mail to the address from the payment account contract and/or to the e-mail address the client registered with the bank. The Bank has the right to terminate the business relationship and terminate the client's accounts if it is determined that the client, directly or indirectly, is on the sanctions lists prescribed by the EU, UN, OFAC or other international or foreign institutions, or that it is owned or controlled by sanctioned persons or otherwise participates in activities with sanctioned persons or persons established in sanctioned countries or entities with business activities related to persons established in sanctioned countries. countries, as well as in the case of engaging in transactions that could be aimed at attempting to circumvent and/or violate international financial sanctions measures. The Bank may terminate business relationship and close the accounts of the client that has not submitted appropriate documents for respective change in the data recorded in the relevant registry. The funds held in the account shall be transferred by the Bank to the account opened by the bank for the funds which are not used and the same can be transferred at the request of the representative. The Bank monitors the transactions in the client’s opened current accounts and if account is not usedt in the period of 180 days icontinuously, the account is considered to be inactive and the Bank retains the right to close it without seeking approval and notifying the client. 8. BANK CHARGES The Bank calculates and collects fees from the client concerning services of execution of domestic and international payment transactions, as well as other fees specified in the Tariff. Fees from the Tariff denominated in foreign currency are calculated at the middle exchange rate of the National Bank of Serbia on the date of calculation. For resident legal entities, fees for executed dinar payment transactions will be calculated and collected every fifteen days. Upon request of the client, the Bank shall provide detailed specification of fees per each order. For non-resident legal entities, representative offices of the foreign companies, diplomatic consular representative offices and foreign association, fee is charged and collected on daily basis, for each order or every fifteen days if requested so by the client. For international payment transactions, as well as for domestic transactions in foreign currency fee is calculated and collected on daily basis on the day of payment order execution, unless the schedule of calculation and payment of fees has been otherwise agreed with the client. |
od ekspozitura Banke, ukoliko klijent izvode dobija na drugi način ili su dostupni preko jednog od sistema elektronskog ili mobilnog bankarstva. Na zahtev klijenta, Banka može izdati potvrdu o stanju i prometu po računu, prosečnom stanju računa u određenom periodu, realizaciji naloga na teret i u korist računa klijenta, xxx x xxxxx potvrde u skladu sa zahtevom klijenta. Banka može prihvatiti zahtev klijenta za izdavanje takve potvrde dostavljen imejlom, a koji je potpisao zakonski zastupnik ili lice ovlašćeno za raspolaganje sredstvima po računu. Potvrda se dostavlja klijentu na način koji je naveden u zahtevu xxxxx xx traženo izdavanje potvrde, ili na jedan od kontakt podataka dostupnih banci. O izvršenju platnih transakcija u skladu sa Zakonom o privremenom obavljanju određenih poslova platnog prometa na teritoriji SRJ, Xxxxx xx formirati poseban izveštaj o platnoj transakciji, koji će dostaviti na zahtev klijenta. U komunikaciji sa klijentom banka prihvata dokumenta u PDF formatu, koja su potpisana kvalifikovanim elektronskim potpisom xx xxxxxx ovlašćenog lica klijenta, ukoliko je potpis kreiran korišćenjem sertifikata izdatim xx xxxxxx sertifikacionog tela koje je registrovano u Republici Srbiji. Dokumenta dostavljena na navedeni način, ne moraju sadržati pečat klijenta. Ukoliko klijent podnese xxxxxx zahtev da pečatom overava dokumenatciju koju Xxxxx dostavlja na osnovu ugovora o otvaranju i vođenju tekućeg računa, Xxxxx xx dužna da odbije dostavljeni dokument koji nije overen pečatom. Jezik na kome se zaključuje ugovor o otvaranju računa i obavlja komunikacija sa klijentom je srpski jezik, osim u slučajevima kada Banka i klijent ugovore drugačije. 10. ZAŠTITNE MERE Klijent xx xxxxx da koristi platni instrument i platnu uslugu u skladu sa odredbama ugovora ili posebnih pravila navedenih u tački 4 ovih Opštih uslova poslovanja xxxxx xx regulisano izdavanje i korišćenje tog platnog instrumenta i platne usluge, kao i da preduzme sve razumne mere za zaštitu personalizvanih sigurnosnih elemenata tog platnog instrumenta. Bezbednosna pravila za korišćenje elektronskog i mobilnog bankarstva dostupna su na internet stranici Banke xxx.xxxxxxxxxxxxxx.xx, odnosno, za Hal E-bank aplikaciju na stranici xxxxx://xxxxxxx.xxxxxx.xxx/xx/xxxx/xxxxxxxxxx- uputstva-za-korisnike-pametne-kartice-usb-kljuca-jedna-za- sve/. U slučaju gubitka, krađe ili zloupotrebe platnog instrumenta, Klijent xx xxxxx da o tome odmah obavesti Banku pismenim putem preko najbliže ekspoziture Banke, na imejl adresu xxxxxxx@xxxxxxxxxxxxxx.xx ili na broj telefona x000 00 0000 000, navodeći potrebne elemente na osnovu kojih se može identifikovati vlasnik platnog instrumenta, kao i pravno lice za koje je izdat. Na osnovu dobijenih informacija Xxxxx xx blokirati upotrebu platnog instrumenta po računima klijenta kod Banke. Klijent snosi sve gubitke koji proističu iz izvršenja transakcija koje su izvršene zbog prevarnih radnji klijenta ili neispunjavanja njegovih obaveza utvrđenih Pravilima i uslovima za korišćenje usluga RaiffeisenOnLine elektronskog bankarstva, Pravilima i uslovima za korišćenje Hal E-bank sistema elektronskog bankarstva, Pravila i uslovi za korišćenje usluga mobilnog i | Monthly fees expressed in the TarifF are calculated at the end of the respective calendar month or at the beginning of the following calendar month for the previous month. Yearly fees expressed in the Tariff are calculated at the beginning of the respective period. The Bank and the client may otherwise agree on the method and schedule of fees collection from the Tariff. 9. BANK’S COMMUNICATION WITH THE CLIENT AND NOTIFYING THE CLIENT By signing the Contract on Opening and Maintaining the Account the client confirms to have been presented the General Terms and accepts their implementation. The Client may obtain any information concerning the General Operating Terms and the accounts opened by the Bank in all branch offices of the Bank as well as on the Bank’s website. Client is obliged to follow news and announcement from domestic and international payment system, available on the Bank website: xxxxx://xxx.xxxxxxxxxxxxxx.xx/xx/xxxxxxxx/xxxxxx- promet.html For each payment transaction, the Bank will provide, at the request of the client, information about the expected transaction execution period, as well as all respective fees to be paid by the client. The Bank shall notify the client of any changes in the account in the agreed manner in the form of account statement which contains initial and final balance and data on the executed payment orders to debit and credit accounts. Account statements can be delivered as follows: • via e-mail address specified to the Bank for that purpose by the Client; • via electronic and mobile banking application • via SWIFT network, at the BIC address defined by the Client in an appropriate request • via another contracted channel The Bank shall notify the Client of any incoming payment on the foreign currency account in writing, along with the amount and payer’s details, in one of the ways agreed with the Client: • via e-mail address specified to the Bank for that purpose by the Client; • via electronic and mobile banking application The bank can inform the client by e-mail or SMS to the phone number registered by the client for a certain type of notification, about: • Information on the blocking and unblocking of the client's account • Information on the rejected orders that have been reviewed by the Tax Administration • on domestic payment system orders for which there is no coverage on the account for their execution |
telefonskog bankarstva Moja mBanka biznis I elektronskog bankarstva Moja eBanka biznis za pravna lica i preduzetnike, kao i odgovarajućim Bezbednosnim pravilima i usled njegove namere ili krajnje nepažnje. Nepridržavanje obaveza iz navedenih Pravila i uslova, kao i bezbednosnih pravila smatraće se krajnjom nepažnjom, pri čemu klijent snosi sve gubitke koji proističu iz izvršenja neodobrene platne transakcije izvršene zbog takvog postupanja, odnosno propusta klijenta. Klijent snosi gubitke koji proističu iz izvršenja neodobrenih platnih transakcija ako su te transakcije izvršene usled korišćenja izgubljenog ili ukradenog platnog instrumenta, ili platnog instrumenta koji je bio zloupotrebljen jer klijent nije uspeo da zaštiti svoje personalizovane sigurnosne elemente za potvrdu transakcije. Ukoliko klijent na uređajima sa kojih koristi usluge elektronskog i mobilnog bankarstva koristi nelicencirane, nelegalne ili nepodržane aplikacije, kao i usled bezbednosnih propusta na personalnim računarima ili mobilnim uređajima klijenta (pojava neželjenog software-a, virusa...), Banka ne snosi odgovornost za neizvršavanje naloga i druge eventualne štetne posledice. 11. IZMENE I DOPUNE OPŠTIH USLOVA POSLOVANJA O predlogu izmene ugovornog odnosa putem izmena Opštih uslova poslovanja ili izmene Tarife, Xxxxx xx dužna da obavesti klijenta najkasnije 15 xxxx pre predloženog početka primene izmena odnosno dopuna, dostavljanjem predloga izmena u papirnoj formi, slanjem obaveštenja na imejl, slanjem obaveštenja preko sistema elektronskog ili mobilnog bankarstva, isticanjem u ekspoziturama Banke i na internet stranici Banke, ili na nekom drugom trajnom mediju. Ukoliko klijent nije saglasan sa predloženim izmenama, može bez otkaznog roka otkazati ugovor o otvaranju i vođenju računa. Izjavu o otkazu klijent dostavlja Banci u pisanoj formi na adresu Banke ili u ekspozituru Banke najkasnije jedan radni xxx pre početka primene predložene izmene. Ukoliko klijent u xxx roku ne dostavi Banci izjavu da nije saglasan sa izmenama, smatra se da je prihvatio izmene. U slučaju kada klijent odbije predložene izmene, Banka zadržava pravo raskida ugovornog odnosa i gašenja računa klijenta kod Banke. 12. ZAVRŠNE ODREDBE Opšti uslovi poslovanja su usvojeni xx xxxxxx Izvršnog odbora Xxxxx xxxx 08.10.2024. godine i primenjuju se počev od 01.11.2024.godine, izuzev Člana 4. u xxxx xxxx se odnosi na Centralni registar elektronskih menica, koji će stupiti na snagu kada Narodna banka Srbije objavi rad Centralnog registra elektronskih menica. Ovi Opšti uslovi poslovanja primenjuju se na sve ugovore o otvaranju računa u platnom prometu, uključujući i ugovore o otvaranju i vođenju računa zaključene do xxxx stupanja na snagu ovih Opštih uslova. Opštim uslovima poslovanja isključena je primena odredaba Zakona o platnim uslugama xxxxxx xx regulisan Ugovor o platnim uslugama i informisanje korisnika platnih usluga (glava II Zakona), osim odredaba člana 14 o predmetu ugovora o platnim uslugama, odredaba člana 15 o vrstama ugovora o | The Bank may use the mentioned channels of communications for informing clients of any Tariff changes, as well as of any other reason concerning the General Operating Terms which has not been separately mentioned in the document, using at least one of the defined e-mail addresses or telephone numbers, as well as the selected branch office of the Bank. Furthermore, the Banka may forward the same notifications to the e-mail address or telephone number given to the Bank by the client for other purposes (contact e-mail, telephone, etc.). The Bank keeps the right to cancel printing of account statement that are taken over in the Bank branches, in the case that client is receiving account statement via e-mail or if they are available via on of the electronic or mobile banking system. At the request of client, the Bank may issue the confirmation for account balance and cas flow, the average account balance in particular period, incoming and outgoing payments as well as other confirmation on client request. Request for confirmation can be provided by the client via e-mail or fax, verified and signed by authorised persons. The confirmation can be submitted in accordance with the client requestor to contact details provided to the Bank. For executed payments order in accordance with the Law on temporary making of specific payment services on SRJ theritory (Zakon o privremenom obavljanju određenih poslova platnog prometa na teritoriji SRJ), the Bank will create sepcific report, which can be provided to the Client based on their request. In communication with the Client, the Bank accepts document in PDF format, signed with qualified electronic signature of authorized person, in the case when signature is created with the means issued by Sertification agencies registered in Republic of Serbia. Documents delivered using this option, should not contain Client stamp. In the case that Client submits the request to verify documentation with the stamp based on the Contract on opening and maintaining the current account, the Bank is obliged to reject document that is not verified with the stamp. The Contract on opening and maintaining an Account is concluded in Serbian language as well as relevant communication with the Client, except in the cases when the Bank and the Client agree otherwise. 10. SAFETY MEASURES The Client is obliged to use the payment instrument and payment service in accordance with the provisions of the contract or special regulations given in Article 4 of these General Operating Terms governing issuance and use of that payment instrument and payment services and undertake any reasonable measures to protect personalised safety elements of that payment instrument. Safety recommendations for the use of electronic and mobile banking can be found on the Banks website xxx.xxxxxxxxxxxxxx.xx or for Hal E-bank application on this address: |
platnim uslugama, odredbe člana 16 stav 3 o formi okvirnog ugovora, odredbe člana 16 stav 4 o broju primeraka okvirnog ugovora xxxx xxxxxx korisnik platnih usluga i odredaba člana. 32 o informacijama utvrđenim drugim propisima. Opšti uslovi poslovanja i ugovor o otvaranju i vođenju računa predstavljaju okvirni ugovor u smislu odredaba Zakona o platnim uslugama. U slučaju spora povodom primene Opštih uslova poslovanja nadležan je sud prema sedištu Banke. | uputstva-za-korisnike-pametne-kartice-usb-kljuca- jedna-za-sve/ In case of loss, theft or abuse of the payment instrument, the Client is obliged to notify the Bank immediately in writing through the nearest Bank branch office, at e-mail address: xxxxxxx@xxxxxxxxxxxxxx.xx or at telephone number x000 00 0000 000, specifying the required elements based on which the holder of the payment instrument can be identified, as well as the legal entity for which such payment instrument is issued. Based on the obtained information the Bank will block the use of the payment instrument on the client’s accounts with the Bank. Client shall bear all the losses arising from the completion of the transactions were made because of fraudulent acts or failure to meet its customer obligations laid down rules and conditions for use of RaiffeisenOnLine electronic banking, the Terms and Conditions for using Hal E-bank electronic banking system, Rules and Terms for the use of mobile and telephone banking Moja mBanka biznis and electronic banking Moja eBanka biznis, as well as the related safety rules and due to his intent or gross negligence. Failure to comply with obligations under the above Rules and conditions, as well as the safety rules shall be deemed gross negligence, and the client shall bear all losses resulting from unauthorized execution of payment transactions made due to such actions or omissions of the client. The client bears the losses arising from the execution of unauthorized payment transactions if the transactions were carried out by the use of a lost or stolen payment instrument, or payment instrument that has been misused because the client failed to protect his personalized security elements to confirm the transaction. If the client on devices which use electronic and mobile banking using unlicensed, illegal or unsupported applications, as well as due to security breaches on personal computers or mobile client (occurrence of unwanted software, viruses ...), the Bank shall not be liable for non-execution of orders and other possible adverse consequences. 11. AMENDMENTS TO THE GENERAL OPERATING TERMS The Bank is obliged to notify the Client of the proposed change of the contractual relationship through the General Operating Terms or amendment to the Tariff, not later than 15 days prior to the proposed commencement of the application of amendments and/or supplements by delivering proposed amendment in paper form, sending notification to the e-mail address, sending notification via E-Banking or Mobile banking systems, by putting it up in the branches and on the website of the Bank or on some other permanent media. If the client disagrees with the proposed changes, the client may terminate the Contract on opening and maintaining an Account, without given notice period. The client shall send a termination notice to the Bank in writing at the address of the Bank or in the branch office, not later than one business day before commencement of application of the proposed amendment. If the Client does not deliver to the Bank a statement on disagreement of the amendments, it shall be considered that the Client has accepted the amendments. |
In case when the Client rejects proposed amendments, the Bank reserves the right to terminate contact and close the Client’s account with the Bank. 12. FINAL PROVISIONS General Operating Terms were adopted by the Managing Board of the Bank on 8th of October 2024. and come into effect as of 1st of November, 2024 ,, with the exception of Article 4 in the part relating to the Central Registry of Electronic Bills, which shall enter into force when the National Bank of Serbia publishes the operation of the Central Registry of Electronic Bills. These General Operating Terms shall apply to all contracts on opening and maintaining the accounts in the payment system, including contracts on opening and maintaining accounts concluded by the day of coming into effect of these General Operating Terms. According to the General Operating Terms, application of the provisions of the Law on Payment Services governing the Agreement on Payment Services (Chapter II of the Law) is excluded, except for Article 14 covering the scope of agreement on payment services, Article 15 covering the types of agreements on payment services, Article 16, paragraph 3 covering the format of the framework agreement, Article 16, paragraph 4 covering the number of copies of the framework agreement given to the beneficiary of payment services and Article 32 covering information defined under other regulations. Both General Operating Terms and Contract on opening and maintaining an Account are frame contract in accordance with Law on Payment Services. In case of dispute arising from implementing the General Operating Terms, the jurisdiction of the court is decided in accordance of the Bank's Headquarters. | |