DEŽELNA BANKA SLOVENIJE D.D. products, services and reviews

About DEŽELNA BANKA SLOVENIJE D.D.

Deželna banka Slovenije d.d. is a Slovenian universal bank headquartered in Ljubljana with a long-standing orientation toward retail clients, small businesses, farms, and cooperatives. Its core services cover everyday payments and current accounts, debit cards, savings and term deposits, consumer and housing loans, and for businesses a range of working capital and investment lending, basic guarantees, and payment services, with particular emphasis on financing needs typical of the agricultural sector. Customers transact mainly in euros via SEPA credit transfers and direct debits; international transfers outside SEPA are available at higher cost. Delivery channels include a branch network and remote channels (online and mobile banking) with strong customer authentication aligned to PSD2; licensed third parties can connect via open banking interfaces. Pricing follows published tariffs, typically combining monthly account package fees with transaction-based charges; cash handling and cross-border payments usually attract additional fees. Loan pricing commonly references market benchmarks such as Euribor and varies by risk profile, collateral, and tenor; deposit rates reflect market conditions and product term. Deposits are protected up to EUR 100,000 per depositor under the Slovenian deposit guarantee scheme in line with EU rules. The bank is licensed and supervised by Banka Slovenije under the EU Capital Requirements framework and operates on a smaller scale than the country’s largest banks, which can mean a narrower product range and branch footprint. Account opening generally requires standard identification and a Slovenian tax number; non-resident access may be limited. Service is primarily in Slovenian, with foreign-language support concentrated in larger locations. This profile suits customers seeking straightforward banking and sector-specific lending in agriculture, while those requiring extensive investment services, multi-currency solutions, or a wide international footprint may need to compare alternatives.