The right to financing can be exercised by any adult applicant for financing who, depending on the type and purpose of financing, submits with the application the documentation provided for in the Bank’s Business Policy acts, including the documentation that determines his creditworthiness and creditworthiness, and who meets the requirements of the requested financing.
The user has the right at any time to return the invested funding, in full or in part, before the deadline set for return, whereby he has the right to reduce the total financing costs by the amount of profit and costs for the remaining period of the contract (early repayment), but he is obliged inform the Bank of the intention to pay off the financing in advance within the agreed period.
The effective profit margin is a discount rate that equalizes, on an annual basis, the present values of all cash receipts with the present values of all cash expenditures based on the use of financial services, which are known at the time this rate is stated. The effective profit margin expresses all the included costs and fees per financing
A fixed rate of profit margin is a rate that is agreed upon at the beginning of the financing and is unchanged for the entire duration of the financing. The variable (variable) profit margin rate is a market-indexed rate consisting of a fixed element and a reference variable part. During the duration of the financing, the nominal rate of the profit margin may change depending on changes in its variable part, which is determined on the basis of the 6-month EURIBOR as a reference market index.
In cases where the beneficiary of the financing does not pay the financing installment on time, the Bank calculates and charges penalties for delays of 30 days on the amount of the due and not settled debt from the first day of the delay. Penalties amount to 2% on an annual basis.
A fixed-term and Avista deposit account can be opened by any adult, that is, a parent or legal guardian for minors and persons without legal capacity, who applies to the Bank with a request to open an account and submits, fills in and signs the necessary documentation defined by the Bank’s valid acts
Deposits are funds deposited (invested) with the bank, on which the customer earns a profit (yield) defined by the profit margin.
In the event that the Beneficiary of the Term Savings Wakal wishes to dispose of the deposit before the end of the term, the Bank may enable him to do so with a written request and terminate the contract. In the event of early termination of the Term Savings Wakal contract, at the User’s request and with the condition that at least half of the term period has passed, the rate of return for the nearest past term period will be applied, and in accordance with the applicable Tariff, the rate of return on deposits of natural persons.
BBI Bank invests its deposits in halal projects such as; housing, education, agriculture, etc. BBI Bank’s deposits are based on the principles of the Wakala Contract. Wakala contracts allow the muwekkil (client) to condition the wekil (bank) where and under what conditions it will invest its capital. The bank undertakes to invest the client’s funds in halal projects (housing, economy, tourism…) on the basis of which it will share the profit with the client
In order to meet the needs of citizens for online payments, student pocket money, travel payments and other special needs, BBI Bank has developed a unique prepaid card.
BBI Visa Prepaid Card is a debit card with full limit and spending control.
The number of Cards that can be purchased by one Client/Customer is not limited
Card Buyer – a natural person who signs the Card Application Form at the Bank’s office/branch and makes the initial payment to the consumption account, thereby accepting the General Terms and Conditions for issuing the BBI Visa Prepaid Card. The Card buyer can be a Card User at the same time.
You can also use our Mastercard debit card (up to 30 KM) and our Mastercard Gold debit card (up to 1000 KM) to pay online.
If you use the card to withdraw money at a bank counter, the procedure is identical to when making a purchase, except that as a BAMCARD/VISA card user, you must provide your identity card or passport to the bank employee who pays you (depending on whether you are withdrawing money in the country or abroad).
At the ATM: Insert your card into the slot provided (as shown in the picture on the ATM).
select the CASH WITHDRAWAL option
enter your PIN (required for BAMCARD and VISA debit and credit cards)
select the button next to the desired amount or type it in the option SECOND AMOUNT
confirm by selecting the ENTER key
In a few seconds, your money, card and confirmation of the completed transaction (slip) will appear. If you are withdrawing money abroad, be sure to save the slips from the ATM as proof of the withdrawn money until you leave the country for INO control.
The debit card is linked to the current account of the natural person, the account owner. It allows you to withdraw money and make purchases wherever you are. Funds available on the card: balance of the card user’s current account increased by any approved current account overdraft.
Any natural person who has a current account in BBI Bank can become a debit card user.
As a user of electronic services, you save time and money, and using the service is simple. It is important to emphasize that at any time and in any place you have an insight into the products you use in the Bank, an overview of account transactions without standing in lines, payment in BiH and abroad, the payment fee is up to 70% lower compared to counter payment.
To activate the soft token, it is necessary to install the Google authenticator application on your mobile device. In order to connect the google authenticator with your ebbi application, it is necessary that your smart device has the ability to record a QR code. If the mobile phone does not have an integrated reader, we need to download it from the Google Play Store or app.store.
The bank suggests a soft token to all users, considering that in this way they access the service without additional fees. Users who have an SMS token as a means of authentication have ten messages for free within one month, and after that each subsequent one is charged 0.10KM.
When entering a one-time password/token, the app returns me not to the home page?
In cases where your one-time token is not recognized by the application, it returns you to the home page. We suggest that you check in the settings that the date and time are set to automatic.
Due to the security of using electronic banking, the Bank has prevented clients using public computers from adding recipients, so if you cannot add a new recipient, it is assumed that you did not select the “this computer is private” option when accessing the application. Users of electronic services have the option to use the option to add a new recipient only when they select the option “this computer is private”.
Which accounts can I see on e-banking?
Electronic banking provides you with insight into all the products you use at BBI Bank.
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