Personal Plus account

The best things are just like our Personal Plus account – simply, modern and accessible.

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Personal Business About us

Online bank

Mobile bank

Bundles and Accounts

Komplet Bundle Net account Personal Plus account Youth accounts Overdraft Bring a friend Bank at work

Loans

Informative calculation Consumer loan Housing loans Green loans Housing projects Responsible loaning Documentary letter of credit

Payment Cards

Installment payments Visa Charge cards Prepaid Visa cards Debit Visa cards Pay with Google Pay Security SMS Online card payments

Savings and Investments

Savings Easy investment Mutual funds Stock brokerage Exchange rates of mutual funds Investment guide Investment calculator

Insurance

Life insurance Property insurance Tourist insurance Health and accident insurance

Digital

Open an account online Online bank Bank@Net Mobile bank mBank@Net mDenarnic@ E-notifications ATMs Contact center

PREMIUM

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080 17 70 Contact Us

PERSONAL PLUS ACCOUNT

The best things are just like the Personal Plus account – simply modern and accessible.

I am interested Open an account online

Monthly maintenance fee:
2,99 EUR.

New clients who open an account in mBank@Net benefit from 9 months of free account maintenance.

Includes Slovenia’s best online and mobile bank for the 4th year in a row.

New clients can open an account in 10 minutes from the comfort of their own homes in mBank@Net.

How to open a Personal Plus Account?

1. Download mBank@Net app and follow the steps.
2. Enter personal information and complete the video identification.
3. Select Personal Plus Account.

You can also open an account at:

any of the bank's branches,
specialised bank counters at selected post offices,
all post offices in Slovenia**.

What do you need to use a Personal Plus Account?

Visa Debit card

Bank@Net or mBank@Net, which enables:

an overview of your account balance and activity,
making payments,
checking information about your cards (card number, validity, PIN, and CVV code).

mDenarnic@, which enables:

secure online purchases with your prepaid card (Android and iOS users).

Your Personal Plus account guarantees:

	When you pay with your Visa debit card, there are exclusive benefits with selected bank partners.
	Bank@Net and mBank@Net.
	Free cash withdrawals at all the branchs, 400 ATMs, and all Post offices and contract-based Post offices in Slovenia.
	Basic authorized overdraft in the amount of 400 EUR.*
	Mobile wallet mDenarnic@, Google Pay and FLIK (to transfer and receive money from your friends for free).

Choose from the following optional services:

	Visa prepaid card and Visa charge card.
	Security SMS notifications for card-based transactions.
	Notifications about transactions in your Personal Plus account.
	Use of standing orders and SEPA direct debits.

Service fees apply. See the price list.

Are you interested in Personal Plus Account? Signing up is easy.

With just one call

Click on I AM INTERESTED, submit your information and we will contact you as soon as possible.

I am interested

Contact us and we will help you find the best solution for you.

nova kbm

080 17 70

Digital

Download mBank@Net mobile bank and open a Personal Plus Account completely online in 10 minutes.

At the branch

We are the most accessible bank with the widest network, where you can open a Personal Plus account and access various other services throughout Slovenia in:

branch offices,
specialized banking points at select Post offices,
all Post offices in Slovenia.***

TERMS AND CONDITIONS

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To open a Personal Plus account you need: 

Would you like to enter into a business relationship with Novo KBM?

To open a personal account you need:

a valid photo ID (ID card, passport, Slovenian driving licence, other Slovenian identification document*),
Slovenian tax number.

* International Protection Card, Residence Permit,...

Additional documentation for opening a personal account for persons with foreign indicators:

	Foreign nationals who live and work/are retired/are studying/are retired in Slovenia/are entitled to benefits from public funds must submit the following documents:

all potential account holders must provide the bank with a residence permit OR a Residence Registration Certificate for EEA nationals if they are temporarily residing in Slovenia OR a Permanent Residence Registration Certificate for EEA nationals if they are permanently residing in Slovenia; if in Slovenia (EU, EEA, Švice) citizens, AND proof of temporary or permanent address in Slovenia issued by the Administrative Unit (copy) OR identification card showing the address of residence issued by an authority in the EU, EEA, Švice, Canada, the UK or the USA (copy). Employees who are posted abroad by a Slovenian employer must submit, instead of proof of residence in Slovenia, an employment contract or a certificate from the employer showing the posting abroad, or a completed A1 form or a certificate from the Health Insurance Fund (ZZZS) showing the posting abroad (copy).
An individual who is attending school is required to present a valid certificate of schooling (primary, secondary or college) (original or copy).
retired individuals must provide a certificate of eligibility to receive a pension or annuity payment issued by the Pension and Disability Insurance Institute of Slovenia or similar foreign institutions established in the EU, EEA, ŠSwitzerland, Canada, the United Kingdom or the USA (copy).
An individual who works in Slovenia must deliver to the bank:

1. a certificate of tax residency in Slovenia issued by FURS (Financial Administration of the Republic of Slovenia) (copy) AND an employment contract (copy) or Employer's employment certificate (originator) or a service contract (copy), all concluded with a company registered in Slovenia, OR

2. if the potential account holder is unable to provide a certificate of tax residency in Slovenia, this may be replaced by an employment contract (copy) or Employer's employment certificate (original copy) or a service management contract (copy) that has been concluded/valid for at least 12 months. Such a contract shall replace the certificate of tax residency, OR

3. an extract from the court register (AJPES) stating that the person is a sole trader, which is used as proof of employment.
An individual who is entitled to cash benefits from public funds must provide the bank with an official document (copy) proving entitlement to social transfers.

	Slovenian or foreign nationals living in Slovenia, studying/working/retired abroad must submit the following documents:

	Slovenian or foreign nationals living outside Slovenia, working/receiving a pension/going to school in Slovenia/owning property in Slovenia:

	Individuals with a special status (such as refugees, migrants, applicants for subsidiary protection).

How the exchange works: 

Visit our selected branch and open a personal account. A bank advisor will inform you:

the procedure for switching banks(Information on the procedure for swtching transaction accounts),
the price list of banking services,
interest rates,
general terms and conditions and business rules,
the out-of-court dispute resolution procedures,
the Deposit Guarantee Scheme.

You will complete two authorisations. By doing so, you will authorise a Nova KBM employee to carry out on your behalf all the bank switching activities that you specify in the authorisation:

Within two working days (D+2) of receiving your mandate, Nova KBM will request the old bank to carry out the tasks you have specified in the mandate.

Within five working days (D+5) of receipt of the request from Nova KBM, the old bank shall provide the information in accordance with the customer's requirements expressed in the mandate.

Within five working days (D+5) of receiving the information from the old bank, Nova KBM carries out the tasks as set out in the mandate.

Note: The process of switching banks must be completed within 12 working days at the latest, provided that all the conditions for closing the account in accordance with the old bank's general terms and conditions are met.