- VISA ELECTRON
- VISA CLASSIC CARD
- VISA GOLD CARD
- VISA BUSINESS SILVER CARD
- VISA BUSINESS GOLD CARD
- MAESTRO
- MASTERCARD STANDARD CARD
- MASTERCARD GOLD CARD
- MASTERCARD BUSINESS CARD
- MASTER CARD PREPAID CARD – PRESENT FOR YOU
A special benefit that Atlasmont Bank offers to all its clients is the issuing of VISA and MasterCard credit cards as a package. By placing a deposit for one of the credit cards a client becomes a holder of two credit cards. Fee is paid only for one card and the other one is free of charge.
A holder of a debit card (Electron and Maestro) can pay for goods and services in the country and abroad only to the amount available in their account. In other words, these accounts cannot be in the red, i.e. a cardholder may not spend more than they have in their bank accounts. These cards are suitable for university and high school students as their parents have an insight into spending.
Credit revolving cards (Visa Classic Card and MasterCard Standard Card /Visa Gold Card and MasterCard Gold Card) can be used for a deferred payment of goods and services in the country and abroad in an unlimited number of instalments. Users of credit revolving cards may be private individuals who have placed a deposit and those who receive salaries through, or have savings account with, Atlasmont bank.
Credit revolving cards for pensioners (Visa Classic Card and MasterCard Standard Card) for granting special purpose loan up to EUR 500 are issued without any interest or fee for the first year after card production.
A credit limit depends on the personal income or placed deposit. The bank approves a revolving credit card holder overdraft twice the placed deposit or three times the personal income amount, which can be changed depending on the client’s solvency. The revolving percentage (debt repayment) is the lowest in Montenegro, amounting to 5%. Therefore, a revolving credit card holder chooses whether he/she will use the available credit immediately or gradually. By repaying a part of the credit, i.e. 5% of the remaining monthly amount, a client is allowed to continue using the funds to the limited amount.
Credit business cards (Visa Business Gold Card and MasterCard Business Card/ Visa Business Silver Card and MasterCard Business Card) have been designed for legal entities. A credit limit depends on a company’s solvency.
WHO CAN BECOME A HOLDER OF ATLAS CARDS?
A cardholder may become any adult private individual who submits a filled in registration form and agrees with the General terms and conditions of issuing and utilization of a credit card by signing it. In addition to the registration form, private individuals shall submit copies of their identification cards or passports, place an adequate deposit or the confirmation of full-time employment.
A cardholder may also become any legal entity for which the authorized proxy has signed the filled in registration form and agrees with the General terms and conditions of issuing and utilization of a credit card by signing it.
In addition to the registration form, legal entities shall submit the request on the company’s memorandum, copies of passports of employees for whom the credit cards are being issued, place the adequate amount of deposit depending on the type of credit cards opted for and certain security instruments.
Beside the main credit card, the bank may issue more additional cards (e.g. for family members) on the client’s request. The main and all additional cards are connected with the same bank account. The priorities in obtaining a payment card have all clients and depositors of ATLASMONT BANK.
Debit cards are issued for a period of one year, after which time they are automatically reissued for the period of two years. All other credit cards are issued for the period of two years and reissued for the same time period after the expiry date.
As the card owner, the bank has a discretionary power to refuse to issue a credit card, as well as to deny a person a further use of the credit card.
MEMBERSHIP FEE AND ADMINISTRATIVE EXPENSES OF CREDIT CARD MAINTENANCE
A cardholder is under obligation to pay the bank a membership fee depending on the type of the issued credit card.
Annual membership fee is paid in 12 monthly installments, except for users of Business credit cards who pay the entire fee immediately.
Atlas card |
Annual fee |
VISA ELEKTRON AND MAESTRO |
No fee |
VISA ELECTRON AND MAESTRO – FOR STUDENTS AND PENSIONERS |
No fee |
VISA CLASSIC AND MASTERCARD STANDARD - BASIC |
30 EUR |
VISA CLASSIC AND MASTERCARD STANDARD FOR PENSIONERS |
No fee
(first 12 months) |
VISA CLASSIC AND MASTERCARD STANDARD - ADDITIONAL |
24 EUR |
| VISA GOLD AND MASTERCARD GOLD - BASIC |
84 EUR |
| VISA GOLD AND MASTERCARD GOLD – ADDITIONAL |
70 EUR |
| VISA BUSINESS SILVER AND MASTERCARD BUSINESS |
80 EUR |
| VISA BUSINESS GOLD AND MASTERCARD BUSINESS |
100 EUR |
Atlas card |
Deposits |
VISA CLASSIC CARD AND MASTERCARD STANDARD |
250 to 2.000 EUR |
VISA GOLD AND MASTERCARD GOLD |
2.500 to 10.000 EUR |
VISA BUSINESS SILVER AND MASTERCARD BUSINESS |
2.500 EUR |
VISA BUISNESS GOLD AND MASTERCARD BUSINESS |
5.000 EUR |
The bank charges a cardholder interest under the following terms:
- Foreign exchange demand deposits: 1.5 % annually
- Used portion of credit limit: 1 % per month
- Clients with a placed deposit: 1% per month
- Clients without a placed deposit (has to receive salary): 1.3% per month
- Pensioners approved special purpose loan Visa Classic Card and MasterCard Standard Card up to EUR 500 INTEREST-FREE
- Credit limit overdraft: 3 % per month
Interest is charged for the number of days in a month the client has used the approved loan.
Atlas Card |
Fees |
CASH WITHDRAWAL AT ATLASMONT BANK ATMs |
NO FEE |
CASH WITHDRAWAL AT OTHER BANKS` ATMs |
3% (min 1.50 €) |
CASH WITHDRAWAL AT POS TERMINALS IN THE COUNTRY |
1% (min 2.50 €) |
CASH WITHDRAWAL AT POS TERMINALS ABROAD |
3% (min 3.50 €) |
PAYMENT OF GOODS AND SERVICES IN THE COUNTRY AND ABROAD |
NO FEE |
FIRST-TIME CARD ISSUING |
NO FEE |
REISSUING |
NO FEE |
ACCOUNT BALANCE WIEW AT ATLASMONT ATMs |
NO FEE |
ACCOUNT BALANCE STATEMENT |
NO FEE |
SENDING ACCOUNT BALANCE STATEMENT |
0.60 € |
NEW CARD ISSUING (due to loss or theft) |
10 € |
NEW PIN (due to PIN loss or theft) |
5 € |
| CARD CLOSURE |
10 € |
Every month, Atlasmont bank sends you a statement consisting of the following:
- review of performed transactions
- interest amount
- amount to be paid
HOW TO BECOME A CARDHOLDER?
- Fill in the Request for credit card issuing that you may obtain in the Bank. Enclose a copy of your identity card and place the appropriate deposit.
- Upon the receipt of the submitted documentation and consideration of the submitted Request, the Bank decides on the credit card issuing.
- After the Request approval, the Bank will prepare your card and give you the unique PIN code in a closed envelope, and prepare the takeover of the card and the PIN code that should be memorized. The authorized cardholder takes over the card and the PIN code in person.
- You will be timely informed in case the bank does not approve the Request.
- The whole procedure takes 2 days.
WHERE CAN YOU USE ATLAS CREDIT CARDS?
- You can use your credit card to purchase goods and services in all market places which bear VISA, VISA ELECTRON, MasterCard, and Maestro trademark in Montenegro and abroad.
- You can withdraw cash with your card in all branches of Atlasmont Bank and all other banks Montenegro and abroad which take VISA, VISA ELECTRON, MasterCard, and Maestro credit cards.
- You can use your card to withdraw cash at all ATMs and POS terminals worldwide which bear VISA, VISA ELECTRON, MasterCard, and Maestro trademark.
- You can pay for goods and services purchased on-line.
INSTRUCTIONS FOR ATLAS CARD PAYMENT CARDS USAGE?
If you purchase goods or services using your Atlas Card:
1. In a sales outlet with POS terminal.
A salesperson will enter the charged amount, slip your card through terminal slit, and wait for the authorization by Atlasmont bank.
When the transaction is accepted, a salesperson will give you a bill for you to sign. One copy is kept by a salesperson and the other is given to you. After that you can take the goods you have purchased.
2. In a sales outlet with an imprinter.
After obtained authorization, a salesperson will imprint your credit card information over an imprinter to a slip, fill it in, and give you to sign it. When you verify the charged amount, sign the slip, and return it to the salesperson. The salesperson is obligated to give you one copy of the slit.
If you want to make cash withdrawals:
1. In Atlasmont bank operating units with POS terminals
The only thing you have to do is to give your credit card to a bank teller and state the amount you want to withdraw. The teller will perform the necessary procedure, and if the transaction is cleared, the teller will direct you to a bank teller window where you can withdraw your money.
2. In operating units of other banks which accept VISA or MASTER cards
The procedure may differ from the one in Atlasmont Bank, which depends on the bank where you wish to make withdrawal.
3. From an ATM which bears VISA, VISA ELECTRON, MasterCard, and Maestro signs
Follow the instructions on the ATM screen.
Place your card properly in the designated slit on the ATM. Enter your PIN code and confirm it by pressing the appropriate button. When entering your PIN code pay attention that no one near you sees the number you are entering. You will see a message on the screen to select the amount you wish to withdraw. When you have entered the amount, confirm it by pressing the appropriate button. After the transaction has been accepted, you will see a message on the screen that you can take your money. This concludes the procedure.
The amount of money available on your account will automatically reduce after each transaction.
Client is obliged to keep the credit card and the PIN code safe, and report its loss or theft to the Atlasmont Bank Call Centre at +382 81 210 450.
Credit Cards Department
81000 Podgorica, Vaka Djurovica bb
Call Centre: ++ 382 81 210 450
Fax: ++ 382 81 407 227
Tel: ++ 382 81 407 241, 407 237, 407 288, 407 239
E-mail: cards@atlasmont.cg.yu
