Victoriabank offers you a service - "Credit cards designed for payment of salary "
We offer to employees of your enterprise a new form of crediting individuals through bank cards. Thus, "Victoriabank" S.A. issues credit cards VISA Classic or MasterCard Standard for employees of your enterprise. A credit card’s holder has the right to buy goods and services, to receive cash advances as a loan, according to conditions and within the limits, determined in the Loan Agreement with the Bank. The employees’ salaries are then transferred to individual card accounts, and from this source the credit is reimbursed and due interest is paid.

Credit Conditions:

• Use of the card, designed for payment of salary, for the period not less than 6 months
• The amount of a credit line is established depending on the employee’s salary
• Currency of the credit - lei
• The credit line is opened for the period of 12 months
• The annual credit rate is 19%  
• The commission at the rate of 1.5% of the amount of the credit line is charged initially, upon opening of the credit line.

Obligations of the Enterprise’s Administration:

• To address an official letter requesting offering a credit line to the employees ( with the annexed list of employees ), who wish to profit by this service
• To conclude contracts of guarantee for the respective employees, reflecting fulfillment of obligations before the Bank within the established terms, according to Loan Agreements.
• To ensure transfer of salaries and other payments directly to the card accounts of the employees.
• To inform the Bank in case of discharging employees.
• To pay $ 10 USD for the annual servicing of each credit card, designed for payment of salary.

Obligations of the Employees:

• To submit to the Bank a request on opening a credit line and to obtain the credit card upon conclusion of an Agreement with the Bank.
• To obtain a guarantee of the respective enterprise’s management.