Dear Clients,
We would like to hereby inform you that as of January 1, 2027, the General Terms and Conditions of DSK Bank AD for the provision of payment services are amended, the main changes being:
- Application of the General Terms and Conditions to both existing and newly concluded agreements for the use of the DSK Private Banking Plan, as well as inclusion in the General Terms and Conditions of the eligibility criteria for using and terminating the Plan;
- Supplementing the grounds for refusal to execute a payment transaction in cases of incomplete or missing information regarding the payer or the payee of the transfer, in accordance with the applicable regulatory requirements;
- Updating the cut-off time for submitting a one-time payment order in euro;
- Changes to the management of limits through electronic channels;
- Limiting the number of pockets to a maximum of 10;
- Changes to the operational limits of Visa Space debit cards;
- Adding a ground for termination of a current account agreement upon fulfillment of the purpose for which the agreement was concluded;
- Discontinuation of notifications regarding account balances and transfers between own accounts;
- Introduction of new services, including the possibility to reissue DSK Teen debit cards / Virtual Visa Teen cards through DSK Mobile / DSK Online, as well as Visa Click to Pay;
- Reflecting legislative changes related to: the introduction of a new procedure for verification of the payee prior to the execution of euro credit transfers (SEPA, SEPA Instant, and credit transfers where the Bank acts simultaneously as the payment service provider of both the payer and the payee); the Personal Insolvency Act (regulating certain powers of the Bank upon the commencement of insolvency proceedings);
- Discontinuation of servicing a number of products;
- Technical amendments to the wording of the General Terms and Conditions.
You can find all changes to the General Terms and Conditions here.
This statement is a prior notification in accordance with the requirements of Art. 62 para. 1 of the Law of Payment Services and Payment Systems. If you do not accept the changes being made, you have the right to terminate the contract in writing before the effective date of the changes without compensation or penalty. The Bank shall deem that the customer has accepted the changes if he has not notified it to the contrary before January 1, 2027.
Sincerely,
DSK Bank Team
October 14, 2026
