Universal Capital Bank: "Good plan" for citizens' budgets with lower interest rates and 0,00 EUR loan processing fees

On the occasion of World Consumer Protection Day, Universal Capital Banka presented a new promotional campaign called "Good Plan". This year's initiative focuses on concrete savings and more transparent lending conditions, thereby further strengthening the protection of the economic interests of its clients.

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Photo: Universal Capital Bank
Photo: Universal Capital Bank
Disclaimer: The translations are mostly done through AI translator and might not be 100% accurate.

The campaign runs from March 15 to June 30, 2026 and brings numerous benefits for citizens, with a special focus on cash non-purpose loans and support for pensioners.

Key benefits of the "Good Plan" campaign:

  • Lower interest rate: the fixed nominal interest rate (NKS) has been reduced to 5,90% (from the previous 6,50%), which directly affects lower monthly installments and makes it easier to manage the household budget.
  • No costs for processing and approving loans: During the campaign, the Bank has completely abolished the one-time fee for processing and approving loans (0,00 EUR).

Universal Capital Bank says that protecting consumer rights is much more than a legal obligation for them, it represents the foundation of their business:

Representative example: for a loan amount of EUR 20.000 with a repayment period of 84 months, the APR is 5,90%, while the effective interest rate (EIR) is 5,91%. The calculation of the total debt and EIR includes: interest cost for the entire period of EUR 4.435,14, the cost of issuing two bills of exchange of EUR 4, the cost of querying the credit register of the Central Bank of Montenegro of EUR 3, and the fee for maintaining a transaction account for one month of EUR 1. The total amount that the client needs to pay is EUR 24.443,14, and the monthly installment is EUR 289,77. The representative example was calculated on 01.03.2026.

"We believe that a good loan is one that solves a problem, not creates a new one. Our goal is to offer sustainable solutions, aligned with the real possibilities of citizens. By reducing costs and adjusting conditions, we want to support your plans, not add an additional burden," Universal Capital Bank points out.

Recognizing the needs of clients who receive pensions from abroad, the Bank has developed a new product that provides additional security. Along with adjusted repayment terms, these clients are also provided with a free life insurance policy, with the Bank covering the cost of the premium.

The Bank emphasizes that even the smallest savings can have a significant impact on the family budget, and that the "Good Plan" campaign is designed to facilitate financial planning and confirm its commitment to customer care.

All information about promotional conditions is available at the Bank's branches, as well as on the official website: www.ucbank.me.

( Universal Capital Banka )