Everything is easier with split payments

In addition to the regular overdraft on your Intesa Sanpaolo Bank current account, the Visa Inspire or Visa Platinum card also offers an additional overdraft on your current account as a special limit for installment payments (Shadow Limit).

With the installment payment limit, your Visa Inspire or Visa Platinum card can be used to pay in up to 12 installments, with a one-month delay in paying the first installment, through the following payment options.

At over 3,000 specially marked retail locations across Bosnia and Herzegovina, you can split your purchase into up to 12 installments, without interest or fees. Enjoy shopping without extra costs at our partners, with a wide range of products – from furniture and electronics, to clothing and footwear, entertainment, and even travel.

When paying at a retail location, simply inform the cashier that you wish to pay in installments. You choose the number of installments yourself, within the maximum allowed by each store.

Check the list of partner merchants or inquire directly at the store whether Visa installment payments are available with Intesa Sanpaolo Bank cards.

If you wish, you can split your purchase in up to 12 installments via SMS, whether shopping in the country or abroad. This type of purchase is available to users of Visa Inspire and Visa Platinum cards having an agreed additional overdraft on their current account (Shadow limit) and effecting a transaction in the minimum amount of BAM 100.

How to split your purchase in installments via SMS?

• The payment should be made at the payment terminal (POS) of the merchant in the country or abroad (payments at the POS of Intesa Sanpaolo Banka are excluded, where it is already possible to pay in installments without interest and fees).
• Installment payment via SMS is not supported for online/internet transactions. 
• It is necessary that you have the available amount of a one-time transaction both on the current account and on the additional overdraft.
• The amount that you pay cannot be less than BAM 100, and more than the available authorised additional overdraft.
• You can split your purchase into a minimum of 2 and a maximum of 12 installments.
• If your purchase meets the above criteria, you will receive an SMS for payment in installments to the mobile phone number registered with the Bank.
• If you want to split the purchase into installments, you need to respond to the message within a maximum of 2 hours from the moment of the transaction.
• We will notify you via SMS that the installment purchase has been successfully completed.
• With a successful installment purchase, your funds on the current account will be increased by the transaction amount that you have split into installments, and an additional overdraft will be debited.
• If you do not respond to the SMS, your transaction will not be split into installments.
• The fee for using this service is 6% of the transaction amount and is charged once against the current account.
• Purchases in installments via SMS are interest-free, with a one-month postponed payment of the first installment.

Please note that the available additional overdraft on the current account is also sufficient for the amount of the fee during the cash withdrawal, otherwise your transaction will be rejected.

Benefits of cash withdrawal in installments: 

• Repayment in up to 12 installments without interest, with a one-time fee which is distributed over the repayment period and is included in the monthly installment;
• The possibility of a one-month delay of the first installment;
• The daily limit of cash payment in installments is within the daily limit per card for cash payment and depending on the available additional overdraft on the current account;
• Extensive ATM network, available 24/7, without waiting in line.