Payment services

Cross-border and other
payment transactions

• Cross-border payment transactions are carried out between a payer and a payee in the territory of different EU Member States.
• Other payment transactions are all payment transactions that are executed in any currency between two domestic service providers or a domestic and foreign payment service provider.

SEPA - Single Euro Payments Area

• SEPA (Single Euro Payments Area) allows making and receiving payments in euro.
• The international bank account number (IBAN) and the SWIFT code of the bank (BIC) are known for payment in EUR.
• Payments are usually executed in electronic form, the payee's bank and the payer's bank are included in the SEPA scheme.
• Financial transactions in euro can be performed centrally from one bank account.

• E-invoice and other e-documents are documents issued in electronic form and are equivalent replacement for paper documents. 
• They enable issuers of e-documents to import pre-prepared e-documents from accounting applications, to manually prepare and send e-documents to the bank, to review and manage issued e-documents and received e-subscriptions/unsubscriptions for receiving e-documents, to send and manage e-delivery confirmations for received e-subscriptions/unsubscriptions.

• Through MULTI SKB NET and PRO SKB NET, both issuing and receiving of e-documents is enabled. 
• They enable recipients of e-documents to receive, export and review received e-documents, to easily manage them, to submit e-subscriptions/unsubscriptions for receiving e-documents, to review submitted e-subscriptions/unsubscriptions and their statuses and to view the register of e-document issuers.

Automatic transfer of 
funds SWEEP

• SWEEP provides automatic transfer of funds in euro between two SKB bank accounts and provides efficient and easy operations.
• There are several different types of transfers available: transferring a certain percentage of inflows, transferring funds to ensure a minimum/maximum and fixed balance on the account.
• Option of daily or weekly automatic transfer (on the last or selected day of the month).
• The SWEEP service allows you to determine the minimum amount of transfer.

Day-night 
safe

• For all those who operate with cash, and want to deposit daily cash proceeds on the account, also outside of business hours of the outlets. 
• Prepare cash for submission so that the banknotes are sorted in 100-piece banners.
• The banner must be accompanied by information on the amount of banknotes, the total amount and the stamp and the signature of the authorized person of the company.
• If the remainder of the banknotes of a single value is at least 50 pcs, they must also be linked into the package.
• Insert cash, cash list and payment order with completed payee's transaction account and the purpose of the payment (deposit and number of the bag) in the bag.

Interbank 
association

• Timely and transparent operations through group accounts.
• Managing group funds between accounts opened with different banks, possibly also in different countries.
• It enables transfer of SWIFT messages (MT942, MT940 and MT101).