24. mart 2026.
Saopštenja
Poštovani klijenti,
Od 24. aprila 2026. u primjeni su izmijenjeni i dopunjeni Opšti uslovi korišćenja usluga elektronskog bankarstva za fizička lica.
Izmjene Opštih uslova korišćenja usluga elektronskog bankarstva za fizička lica:
- U odredbama o zaštiti ličnih podataka i povjerljivih informacija, a u skladu sa Politikom privatnosti validnom od 18. 02. 2026, precizno su navedeni podaci koje u skladu sa propisima Banka može automatski prikupljati o korisnikovom uređaju koji se koristi za pristup uslugama elektronskog bankarstva. Banka koristi te podatke isključivo u svrhu pružanja usluge elektronskog bankarstva i sprovođenja mjera sigurnosti, a prihvatanje od strane korisnika prilikom prvog pokretanja mobilne aplikacije uslov je za korišćenje usluge mobilnog bankarstva za Android i Huawei uređaje. (članovi 5.2, 5.3).
- Izmijenjene su odredbe koje se odnose na blokadu/deblokadu i otkaz usluge elektronskog bankarstva, sa ciljem povećanja sigurnosti i poboljšanja korisničkog iskustva. Kao dodatni vid zaštite interesa korisnika, uvedena je mogućnost blokade svih sredstava autentifikacije i autorizacije koja glase na korisnika ukoliko se prilikom pokušaja višestruko unesu netačni podaci, te deblokada lično u filijali ili, u izuzetnim slučajevima i shodno sigurnosnim procedurama banke, pozivom na broj telefona Korisničke podrške. (članovi 9.3. i 9.4)
Od 25. maja 2026. u primjeni su izmijenjeni i dopunjeni Opšti uslovi vođenja transakcionih računa i obavljanja usluga platnog prometa za fizička lica.
Izmjene Opštih uslova vođenja transakcionih računa i obavljanja usluga platnog prometa za fizička lica:
- Dopunjena je definicija pojma email adrese korisnika, koju je dostavio Banci kao primarnu adresu za obavještavanje. (član 1.11.)
- U odredbama o otvaranju računa i dokumentaciji, izraz „lično preda“ zamijenjen je izrazom „dostavi“ (član 3.1.).
- Dopunjene su odredbe o autorizaciji, pouzdanoj provjeri autentičnosti korisnika i izvršenju platne transakcije u cilju pravovremene provjere usklađenosti i preventivnog monitoringa, a za transakcije koje korisnik planira realizovati tokom istog radnog dana nakon 16h ili danima vikenda ili praznicima (elektronski kanali). Preciziran je postupak prethodne najave Banci naloga koje korisnik planira realizovati istog radnog dana nakon 16h ili tokom dana vikenda ili praznika a koji pojedinačno ili zbirno prelaze iznos od EUR 200.000,00, sa registrovane email adrese korisnika na email adresu Banke najavedpp@erstebank.me. U cilju zaštite korisnika od neovlašćenih i prevarnih transakcija, banka zadržava pravo da, prije izvršenja, odbije platni nalog koji je putem automatizovanih sigurnosnih mehanizama i drugih kontrola identifikovan kao neuobičajen, rizičan ili potencijalno novlašćen. (članovi 5.19, 5.20, 5.21).
- Dopunjene su odredbe koje se odnose na druge osnove za terećenje računa, u smislu da Banka ima pravo da tereti račun klijenta za iznos naknade koju obračuna korespondentska banka u vezi s provjerom, dodatnim upitom ili drugim radnjama za već izvršenu platnu transakciju u međunarodnom platnom prometu, a koju naknadu utvrđuje banka koja je izvršila upit i u čijem određivanju ne utiče niti može uticati Erste banka. (član 8.7).
Opšte uslove možete pronaći u svim filijalama Erste banke i na internet stranici https://www.erstebank.me/sr_ME/footer-stanovnistvo/Dokumenta/opsti-uslovi-poslovanja.
Opšti uslovi se primjenjuju na postojeće i nove ugovorne odnose klijenta i Erste banke. Ako nijeste saglasni s gore navedenim dokumentima, imate pravo da najkasnije do početka njihove primjene otkažete svoj Okvirni ugovor bez plaćanja naknade, dostavljanjem pisanog prigovora Erste Bank AD Podgorica. Ukoliko ne dostavite pisani prigovor u navedenom roku, Opšti uslovi smatraju se prihvaćenima.
S poštovanjem,
Erste Bank AD Podgorica
Arsenija Boljevića 2A, 81000 Podgorica
Notice on Amendments and Supplements to the General Conditions for Individuals
[unofficial translation]
Dear Customers,
As of April 24, 2026, the amended and supplemented General Conditions for Electronic Banking Services for Individuals are in effect. Amendments to the General Conditions for the Use of Electronic Banking Services for Individuals:
- In the provisions related to the protection of personal data and confidential information, in accordance with the Privacy Policy valid as of February 18, 2026, the data that the Bank may automatically collect—pursuant to regulations—about the user’s device used to access electronic banking services are precisely defined. The Bank uses such data exclusively for the purpose of providing electronic banking services and implementing security measures, and the user’s acceptance upon the first launch of the mobile application is a prerequisite for using mobile banking services on Android and Huawei devices. (Articles 5.2, 5.3)
- The provisions related to blocking/unblocking and termination of electronic banking services have been amended to enhance security and improve user experience. As an additional form of user protection, a possibility to block all authentication and authorization elements belonging to the user if incorrect data are repeatedly entered during an attempt to access the service has been introduced. Unblocking may be performed in person at the branch or, in exceptional cases and in accordance with the Bank’s security procedures, via a call to the Customer Support phone number. (Articles 9.3 and 9.4)
As of May 25, 2026, the amended and supplemented General Conditions for Maintaining Transaction Accounts and Performing Payment Services for Individuals are in effect. Amendments to the General Conditions for Maintaining Transaction Accounts and Performing Payment Services for Individuals:
- The definition of the user’s email address provided to the Bank as the primary address for receiving notifications has been supplemented. (Article 1.11)
- In the provisions regarding account opening and documentation, the term “personally submits” has been replaced with “provides.” (Article 3.1)
- The provisions concerning authorization, reliable verification of user authenticity, and execution of payment transactions have been supplemented for the purpose of timely compliance checks and preventive monitoring, particularly for transactions the user plans to carry out on the same business day after 4 p.m., or during weekends or public holidays (via electronic channels). The procedure for prior notification to the Bank of orders the user intends to execute on the same business day after 4 p.m. or during weekends or holidays, when such orders individually or collectively exceed EUR 200,000.00, has been specified. The notification must be sent from the user’s registered email address to the Bank’s address: najavedpp@erstebank.me. To protect users from potential unauthorized or fraudulent transactions, the Bank reserves the right to reject a payment order prior to execution if automated security mechanisms and other controls identify it as unusual, risky, or potentially unauthorized. (Articles 5.19, 5.20, 5.21)
- The provisions related to other grounds for debiting the account have been supplemented to clarify that the Bank has the right to debit the client’s account for the fee charged by a correspondent bank in relation to verification, additional inquiry, or other actions concerning an already executed international payment transaction. This fee is determined by the bank that performs the inquiry, and Erste Bank does not influence and cannot influence its amount. (Article 8.7)
You can find the General Conditions at all Erste Bank branches and on the website: https://www.erstebank.me/sr_ME/footer-stanovnistvo/Dokumenta/opsti-uslovi-poslovanja.
The General Conditions apply to both existing and new contractual relationships between the client and Erste Bank. If you do not agree with the documents listed above, you have the right to terminate your Framework Agreement without paying a fee, no later than the date they enter into force, by submitting a written complaint to Erste Bank AD Podgorica. If you do not submit a written complaint within the specified period, the General Conditions will be considered accepted.
Sincerely,
Erste Bank AD Podgorica
Arsenija Boljevića 2A, 81000 Podgorica