DELAVSKA HRANILNICA d.d. LJUBLJANA

DELAVSKA HRANILNICA d.d. LJUBLJANA is a Slovenian savings bank headquartered in Ljubljana that provides retail and business banking across the country. Its services include euro current accounts with IBAN, domestic and SEPA payments (credit transfers, standing orders, direct debits), term deposits and savings products, debit and credit cards, online and mobile banking, consumer and housing loans, overdrafts, and working-capital facilities for smaller companies. The bank operates under a license from Banka Slovenije and is supervised within the EU framework; it applies PSD2 strong customer authentication in digital channels and publishes regulatory disclosures consistent with CRR/CRD requirements. Eligible deposits are covered by the national deposit guarantee scheme up to EUR 100,000 per depositor, per bank. Accounts are primarily euro-denominated; international transfers are executed via SEPA and correspondent banking for non-SEPA destinations, with standard transfer fees and foreign-exchange margins applicable. Account opening generally requires identification and tax details and may require an in-branch visit depending on customer status; non-resident onboarding follows Slovenian law and the bank’s risk policy. Fees, interest rates, and product eligibility are set by published tariffs and terms that can differ for individuals, sole traders, SMEs, and organizations. Service is provided through a branch network and remote channels, with complaints handled through internal procedures and, if unresolved, eligible for escalation to national alternative dispute resolution mechanisms or the competent supervisor. Prospective clients should review the latest price list, key information documents, and contractual terms on the bank’s website before applying or transacting.