According to Article 88 of the Law on Banks, General Terms of Business are documents containing standard terms of business applicable to all Bank’s customers, general terms for establishing relations between customers and the Bank, communication procedures between customers and the Bank, as well as the general terms for carrying out transactions between customers and the Bank, which the Bank is obliged to make visible on its premises.

Customers can require additional clarification and instructions regarding the application of the General Terms of Business.

Universal Capital Bank AD Podgorica’s General Terms of Business are contained in the documents that the Bank’s Board of Directors adopted, which you can find listed here:

  • General Terms of Business
  • Brokerage Department’s General Terms of Business
  • General Terms of Use of e-banking services for natural persons
  • General Terms and Conditions for issuing and use of payment cards

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