VISA debit card
Payment transactions made with a VISA debit card reduce the available balance on the cardholder’s current account.
With your VISA card, you can make payments in a single instalment, in multiple instalments, or with a deferred first instalment of up to 90 days.
The instalment payment service using VISA debit cards allows you to:
• split all transactions at points of sale in Croatia and abroad into instalments without fees, interest, or additional costs
• split all online purchases into instalments without fees, interest, or additional costs
• withdraw cash at KentBank ATMs and repay it in instalments, subject to a one-time fee
• have all instalments automatically charged to your current account each month
• restore your available instalment payment limit with every instalment paid, enabling new purchases or cash withdrawals at KentBank ATMs
You can arrange a payment limit in instalments at all KentBank branches.
Instalments and deferral of payments options:
1. KentBank ATM network
Example of instalment payment calculations for cash withdrawal at KentBank ATMs:
The total available instalment limit on the VISA debit card is EUR 1,000.00.
• 01.07.2025. Available instalment limit: EUR 1,000.00*
• 01.07.2025. Cash withdrawal at a KentBank ATM in the amount of EUR 600.00 with a selected 6-instalment repayment plan
• 03.07.2025. 1st instalment charged: EUR 100.00**
• 03.07.2025. Available instalment limit: EUR 500.00*
• 03.07.2025. One-time debit of the current account for the fee related to the cash withdrawal in instalments at the KentBank ATM according to the chosen repayment period
• 03.08.2025. 2nd instalment charged: EUR 100.00
• 03.08.2025. Available instalment limit: EUR 600.00*
• 03.09.2025. 3rd instalment charged: EUR 100.00
• 03.09.2025. Available instalment limit: EUR 700.00*
• 03.10.2025. 4th instalment charged: EUR 100.00
• 03.10.2025. Available instalment limit: EUR 800.00*
• 03.11.2025. 5th instalment charged: EUR 100.00
• 03.11.2025. Available instalment limit: EUR 900.00*
• 03.12.2025. 6th instalment charged: EUR 100.00
• 03.12.2025. Available instalment limit: EUR 1,000.00*
* Provided that no additional instalment transactions have been made in the meantime
** The posting date of the 1st instalment will also be the posting date for each subsequent instalment in the following months
2. at MBPLUS-branded points of sale
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Split all transactions at points of sale in Croatia marked with MBPLUS into instalments without fees, interest, or additional costs
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You must have an available instalment limit equal to the total amount of the transaction you wish to perform
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Example of instalment payment calculations at MBPLUS-branded points of sale:
The total available instalment limit on the VISA debit card is EUR 1,000.00.
• 01.07.2025. Purchase of EUR 360.00 made at an MBPLUS point of sale with a selected 6-instalment plan
• 01.07.2025. Available instalment limit: EUR 640.00*
• 03.07.2025. 1st instalment charged: EUR 60.00**
• 03.07.2025. Available instalment limit: EUR 700.00*
• 03.08.2025. 2nd instalment charged: EUR 60.00
• 03.08.2025. Available instalment limit: EUR 760.00*
• 03.09.2025. 3rd instalment charged: EUR 60.00
• 03.09.2025. Available instalment limit: EUR 820.00*
• 03.10.2025. 4th instalment charged: EUR 60.00
• 03.10.2025. Available instalment limit: EUR 880.00*
• 03.11.2025. 5th instalment charged: EUR 60.00
• 03.11.2025. Available instalment limit: EUR 940.00*
• 03.12.2025. 6th instalment charged: EUR 60.00
• 03.12.2025. Available instalment limit: EUR 1,000.00*
* Provided that no additional instalment transactions have been made in the meantime
** The posting date of the 1st instalment will also be the posting date for each subsequent instalment in the following months
3. via m-Kent, e-Kent services, or at KentBank branches
- From 2 to 12 instalments
- m - Kent – Split all purchase transactions made online, abroad, or domestically into instalments no later than 15 calendar days from the transaction posting date
- e-Kent and KentBank branches – Split all purchase transactions made online, abroad, or domestically into instalments with a deferral of the first instalment up to 15 days from the date of instalment selection
- No fees or interest
- You must have an available instalment limit equal to the total amount of the transaction you wish to split into instalments
Example of instalment payment calculations via e-Kent service or by request in the KentBank branch
The total available instalment limit on the VISA debit card is EUR 1,000.00
• 01.07.2025. Purchase of EUR 600.00
• 01.07.2025. Available instalment limit: EUR 400.00*
• 15.07.2025. Split into 6 instalments with a 15-day deferral of the first instalment
• 01.08.2025. 1st instalment charged: EUR 100.00
• 01.08.2025. Available instalment limit: EUR 500.00*
• 01.09.2025. 2nd instalment charged: EUR 100.00
• 01.09.2025. Available instalment limit: EUR 600.00*
• 01.10.2025. 3rd instalment charged: EUR 100.00
• 01.10.2025. Available instalment limit: EUR 700.00*
• 01.11.2025. 4th instalment charged: EUR 100.00
• 01.11.2025. Available instalment limit: EUR 800.00*
• 01.12.2025. 5th instalment charged: EUR 100.00
• 01.12.2025. Available instalment limit: EUR 900.00*
• 01.01.2026. 6th instalment charged: EUR 100.00
• 01.01.2026. Available instalment limit: EUR 1,000.00*
* Provided that no additional instalment transactions have been made in the meantime
For example, instalment splitting via m-Kent (note: there is no deferral of the 1st instalment for up to 15 days from the instalment splitting date).
The total available instalment limit on the VISA debit card is EUR 1,000.00
• 01.07.2025. Purchase of EUR 600.00
• 01.07.2025. Available instalment limit: EUR 400.00*
• 15.07.2025. Split into 6 instalments
• 16.07.2025. 1st instalment charged: EUR 100.00**
• 16.07.2025. Available instalment limit: EUR 500.00*
• 16.08.2025. 2nd instalment charged: EUR 100.00
• 16.08.2025. Available instalment limit: EUR 600.00*
• 16.09.2025. 3rd instalment charged: EUR 100.00
• 16.09.2025. Available instalment limit: EUR 700.00*
• 16.10.2025. 4th instalment charged: EUR 100.00
• 16.10.2025. Available instalment limit: EUR 800.00*
• 16.11.2025. 5th instalment charged: EUR 100.00
• 16.11.2025. Available instalment limit: EUR 900.00*
• 16.12.2025. 6th instalment charged: EUR 100.00
• 16.12.2025. Available instalment limit: EUR 1,000.00*
* Provided that no additional instalment transactions have been made in the meantime
** The posting date of the 1st instalment will also be the posting date for each subsequent instalment in the following months
Additional Information:
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At all DM stores, you can take advantage of interest-free instalment payments. All bills over EUR 50 can be paid in up to three instalments using VISA debit and VISA credit cards. More information is available at: Installment Payments | dm Croatia.
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At all Müller store locations, you can also use interest-free instalment payments. All bills over EUR 40 can be paid in up to six instalments using VISA debit and VISA credit cards. More information is available at: Frequently Asked Questions | MÜLLER.
* The terms and conditions of instalment payments at the above retailers are determined by the merchants. KentBank is not responsible for any changes or amendments to these terms.
Detailed information about benefits offered by VISA can be found here: Visa Offers and Benefits | VISA.
Representative example of splitting a purchase into instalments and assumptions for calculating the APR (Annual Percentage Rate):
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Currency limit
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EUR
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Limit amount
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1.000,00
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Purchase amount
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600,00
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Nominal interest rate
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0,00%
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Repayment term in months
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12
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Fee
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0,00
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Installment rate
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50,00
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Effective interest rate
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0,00%
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Representative Example of Splitting a Cash Withdrawal Transaction at KentBank ATMs into Instalments and Assumptions for APR Calculation
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Currency limit
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EUR
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Limit amount
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1.000,00
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Purchase amount
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240,00
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Nominal interest rate
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0,00%
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Repayment term in months
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12
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Fee
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7,20
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Installment rate
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20,00
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Effective interest rate
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5,84%
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