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KentCard Debit Card

 KentCard debit card

Payment transactions executed by KentCard debit card reduce available cash funds on the current account of the account holder.

By KentCard card you can pay one-time, in instalments and with deferred payment of the first instalment up to 90 days

KentCard instalment payment service with Maestro personal debit card offers:

  • Division in instalments of all transactions at points of sale made in country and abroad without fees, interest and additional costs
  • division in instalments of all transactions at webshop online payments without fees, interest and additional costs
  • to withdraw cash at KentBank ATMs with repayment on payments at a one-time fee
  • all instalments automatically monthly charge the current account
  • Charging each individual payment increases the available limit for payments for new purchases or cash withdrawals at KentBank ATMs

 

You can arrange a payment limit in instalments at all KentBank branches.

Instalments and deferral of payments options:

1. KentBank ATM network

  • Withdraw cash at KentBank ATMs with repayment to 3,6.9 or 12 instalments for a one-time fee depending on the payment period chosen.

Example of instalment payment calculations for cash withdrawal at KentBank ATMs:

The total available limit in instalments on the Maestro debit KentCard  is 63,61 EUR/5.000,00 HRK

  • 01.08.2021 cash withdrawal has been made at KentBank ATM in the amount of 318,53 EUR/2.400,00 HRK  and the chosen number of instalments is 6.
  • 01.08.2021 available limit in instalments 345,08 EUR*/2.600,00 HRK
  • 01.08.2021. one-time debit of current account for cash withdrawal fee in instalments at KentBank ATM according to selected repayment period
  • 01.09.2021 collection of 1st instalment 53,09 EUR/400,00 HRK
  • 01.09.2021 available limit in instalments 398,17 EUR*/3.000,00 HRK
  • 01.10.2021 collection of 2nd instalment 453,09 EUR/400,00 HRK
  • 01.10.2021 available limit in instalments 451,26 EUR*/3.400,00 HRK
  • 01.11.2021 collection of 3rd instalment 53,09 EUR/400,00 HRK
  • 01.11.2021 available limit in instalments 504,35 EUR*/3.800,00 HRK
  • 01.12.2021 collection of 4th instalment 53,09 EUR/400,00 HRK
  • 01.12.2021 available limit in instalments 557,44 EUR*/4.200,00 HRK
  • 01.01.2022 collection of 5th instalment 53,09 EUR/400,00 HRK
  • 01.01.2022 available limit in instalments 610,52 EUR*/4.600,00 HRK
  • 01.02.2022 collection of 6th instalment 53,09 EUR/400,00 HRK
  • 01.02.2022 available limit in instalments 663,61 EUR*/5.000,00 HRK

*in condition no more instalment transactions have been carried out in the meantime

 

2. at MBPLUS-branded points of sale

  • Payment deferral up to 90 days, with the transaction made charged in full
  • Deferral of payment for up to 30 days, with the transaction divided from 2 to 11 instalments
  • Payment in instalments from 2 to 12 instalments without delay payment
  • The minimum transaction amount that can be divided into instalments is 200 HRK/26,54 EUR
  • It is necessary to have available the amount of the approved limit on instalments in the amount of the total transactiona amount

 

Example of instalment payment calculations at MBPLUS-branded points of sale:

The total available limit in instalments on the Maestro debit KentCard  is 663,61 EUR/5,000 HRK

  • 01.08.2021 a purchase of 1,200 HRK/159,27 EUR was made at the MBNet point with a delay of 30 days and the chosen number of instalments is 6
  • 01.08.2021 available limit in instalments 504,35 EUR*/3,800 HRK
  • 01.09.2021 collection of 1st instalment 26,54 EUR/200 HRK
  • 01.09.2021 available limit in instalments 530,89 EUR*/4,000 HRK
  • 01.10.2021 collection of 2nd instalment 26,54 EUR/200 HRK
  • 01.10.2021 available limit in instalments 557,44 EUR*/4,200 HRK
  • 01.11.2021 collection of 3rd instalment 26,54 EUR/200 HRK
  • 01.11.2021 available limit in instalments 583,98 EUR*/4,400 HRK
  • 01.12.2021 collection of 4th instalment 26,54 EUR/200 HRK
  • 01.12.2021 available limit in instalments 610,52 EUR*/4,600 HRK
  • 01.01.2022 collection of 5th instalment 26,54 EUR/200 HRK
  • 01.01.2022 available limit in instalments 637,07 EUR*/4,800 HRK
  • 01.02.2022 collection of 6th instalment 26,54 EUR/200 HRK
  • 01.02.2022 available limit in instalments 663,61 EUR*/5,000 HRK

*in condition no more instalment transactions have been carried out in the meantime


3. in KentBank branches or via m-Kent and e-Kent service

  • Division of all purchase transactions carried out online, abroad or in the country no later than 15 calendar days from the date of the transaction
  • From 2 to 12 instalments
  • Deferral of payment of the first instalment up to 15 days from the date of division into instalments
  • No fees or interest

Example of instalment payment calculations via e-Kent service or by request in the KentBank branch

The total available limit in instalments on the Maestro debit KentCard  is 663,61 EUR/5,000 HRK

  • 01.08.2021 a purchase of 159,27 EUR/1,200 HRK
  • 01.08.2021 available limit in instalments 504,35 EUR*/3,800 HRK
  • 15.08.2021 division into 6 instalments and postponement of collection for 15 days
  • 01.09.2021 collection of 1st instalment 26,54 EUR/200 HRK
  • 01.09.2021 available limit in instalments 530,89 EUR*/4,000 HRK
  • 01.10.2021 collection of 2nd Instalment 26,54 EUR/200 HRK
  • 01.10.2021 available limit in instalments 557,44 EUR*/4,200 HRK
  • 01.11.2021 collection of 3rd Instalment 26,54 EUR/200 HRK
  • 01.11.2021 available limit in instalments 583,98 EUR*/4,400 HRK
  • 01.12.2021 collection of 4th Instalment 26,54 EUR/200 HRK
  • 01.12.2021 available limit in instalments 610,52 EUR*/4,600 HRK
  • 01.01.2022 collection of 5th Instalment 26,54 EUR/200 HRK
  • 01.01.2022 available limit in instalments 637,07 EUR*/4,800 HRK
  • 01.02.2022 collection of 6th Instalment 26,54 EUR/200 HRK
  • 01.02.2022 available limit in instalments 663,61 EUR*/5,000 HRK

*in condition no more instalment transactions have been carried out in the meantime

 

Example of instalment payment calculations via m-Kent service (the only difference is there is no delay of up to max 15 days)

The total available limit in instalments on the Maestro debit KentCard is 663,61 EUR/5,000 HRK

  • 01.08.2021 a purchase of 159,27 EUR/1,200 HRK
  • 01.08.2021 available limit in instalments 504,35 EUR*/3,800 HRK
  • 15.08.2021 division into 6 instalments
  • 15.08.2021 collection of 1st instalment 26,54 EUR/200 HRK
  • 15.08.2021 available limit in instalments 530,89 EUR*/4,000 HRK
  • 15.09.2021 collection of 2nd instalment 26,54 EUR/200 HRK
  • 15.09.2021 available limit in instalments 557,44 EUR*/4,200 HRK
  • 15.10.2021 collection of 3rd instalment 26,54 EUR/200 HRK
  • 15.10.2021 available limit in instalments 583,98 EUR*/4,400 HRK
  • 15.11.2021 collection of 4th instalment 26,54 EUR/200 HRK
  • 15.11.2021 available limit in instalments 610,52 EUR*/4,600 HRK
  • 15.12.2021 collection of 5th instalment 26,54 EUR/200 HRK
  • 15.12.2021 available limit in instalments 637,07 EUR*/4,800 HRK
  • 15.01. 2022 collection of 6th instalment 26,54 EUR/200 HRK
  • 15.01.2022 available limit in instalments 663,61 EUR*/5,000 HRK

*in condition no more instalment transactions have been carried out in the meantime

 

Additionally: In all DM stores, instalment payments without interest are enabled. You can settle all accounts over 39,82 EUR/300 HRK with a maximum of three instalments when using Maestro and Mastercard KentCard cards. Read more at: Instalment payment | dm Croatia.

 A representative example of the division of a purchase transaction into installments and the assumptions for the calculaton of EKS: 

Currency limit

 

EUR

Limit amount 

5.000

663,61

Purchase amount

3.000

398,17

Nominal interest rate

0,00%

0,00%

Repayment term in months

12

12

Fee

0

0

Installment rate

250,00

33,18

Effective interest rate

0,00%

0,00%

 

A representative example of the division of a purchase transaction into installments and the assumptions for the calculation of effective interest rate:

Valuta limita

EUR

Iznos podizanja gotovine

663,61

Nominalna kamatna stopa

0,00%

Rok otplate u mjesecima

12

Naknada (5% od iznosa transakcije)

33,18

Rata 

55,30

Efektivna kamatna stopa

9,34%

 

Amounts expressed in euros are informative and calculated at a fixed conversion rate of 1 EUR= 7,53450 HRK and in accordance with the rules for conversion and rounding from the Law on the introduction of the euro as the official currency in the Republic of Croatia. 

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