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Banking Service Terms and Conditions For Individuals Universal Account (former Liberty Account) Standard terms of the loan agreement Gift Cards Basic terms of PAY account and card agreement Social Account Certificates of Deposit Deposit Agreement Basic terms of the service agreement Basic terms of the purchase agreement Private Banking and Wealth Management Standard terms of POS terminal service agreement Terms of deferral of payments on credit products Basic terms of the lease / sublease agreement Basic terms of a general credit line service agreement Basic terms of the encumbrance agreement Basic terms of the mortgage agreement Basic terms of the surety agreement E-commerce service agreement Basic Terms and conditions Banking Service Terms and Conditions For Legal Entities Google Pay Terms & Conditions Apple Pay Terms & Conditions Brokerage Service Terms and Conditions

20 May 2024

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Credit Card Terms and Conditions

08 November 2023 - 19 May 2024

Credit Card Terms and Conditions

10 May 2023 - 07 November 2023

Credit Card Terms and Conditions

13 March 2023 - 09 May 2023

Credit Card Terms and Conditions

06 October 2022 - 12 March 2023

Credit Card Terms and Conditions

20 July 2022 - 04 October 2022

Credit Card Terms and Conditions

31 August 2021 - 19 July 2022

Credit Card Terms and Conditions

25 June 2021 - 30 August 2021

Credit Card Terms and Conditions

01 June 2021 - 24 June 2021

Credit Card Terms and Conditions

17 August 2020 - 31 May 2021

Credit Card Terms and Conditions

19 September 2019 - 16 August 2020

Credit Card Terms and Conditions

11 March 2019 - 18 September 2019

Credit Card Terms and Conditions

01 January 2019 - 10 March 2019

Credit Card Terms and Conditions

18 December 2018 - 31 December 2018

Credit Card Terms and Conditions

01 October 2018 - 17 December 2018

Credit Card Terms and Conditions

01 September 2018 - 30 September 2018

Credit Card Terms and Conditions

15 August 2018 - 31 August 2018

Credit Card Terms and Conditions

01 April 2017 - 14 August 2018

Credit Card Terms and Conditions

01 March 2017 - 31 March 2017

Credit Card Terms and Conditions

15 January 2017 - 28 February 2017

Credit Card Terms and Conditions

01 February 2016 - 14 January 2017

Credit Card Terms and Conditions

06 July 2015 - 31 January 2016

Credit Card Terms and Conditions

27 April 2015 - 05 July 2015

Credit Card Terms and Conditions

01 April 2015 - 26 April 2015

Credit Card Terms and Conditions

01 January 2015 - 31 March 2015

Credit Card Terms and Conditions

25 April 2014 - 31 December 2014

Credit Card Terms and Conditions

15 January 2014 - 24 April 2014

Credit Card Terms and Conditions

09 September 2013 - 14 January 2014

Credit Card Terms and Conditions

01 November 2012 - 08 September 2013

Credit Card Terms and Conditions

27 September 2011 - 31 October 2012