Fluo offer for students - Retail | Societe Generale

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Fluo offer for students

Student life is the time to start thinking about managing your finances properly. Set aside funds for tuition, books or travel. Societe Generale gives you a free account for the purpose of regularly taking exams.

What is Fluo?

Fluo is the name for a set of Societe Generale banking services for students. Start self-managing your money with Fluo, because you will get our Fluo current account package for free, as well as the possibility to take loans for financing your studies.

If you are a student up to 27 years of age, Fluo package is for you.

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Package price on a monthly basis
0 RSD

When you have Fluo package:

When someone wants to pay you the money or you perform some seasonal work – you have an account to receive the money and to make your payments.

To make things easier and to avoid taking cash with you – this package also contains the card valid in the country and abroad.

Via your computer or m-banking application you can check your account balance, pay your obligations or exchange money free of charge, at any time.

Whether you’re an undergraduate student or you attend master’s studies, Societe Generale offers you the possibility to take a loan under favourable terms.

Buy sports equipment up to 20% cheaper!

Only for Fluo team, we have provided one additional advantage! The first payment with Mastercard® Fluo card at any store provides you with membership in Sport Vision loyalty club and shopping at prices up to 20% lower at all Sport Vision retail stores*!

* Discount is calculated at recommended item prices. Members of loyalty club cannot use a discount at Sport Vision outlets.

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Fluo loans for financing your studies

We offer two types of loans

  • 3 loans in one with favourable interest rate!  Consumer loan based on an invoice for 1 year of studying + extra cash up to 25% of the amount stated on the invoice for purchase of books, exams registration and other associated costs + possibility of refinancing outstanding amount of debt for student loan from the previous year with a newly approved loan amount for the current academic year (new invoice + new cash up to 25% of the invoice).

  • Advantages of a loan for financing master’s studies Provides postgraduates with financial independence to finance their studies, while 12-month grace period aims at making studying period easier, when only the interest is paid.

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Representative examples
Representative example of a RSD loan for financing undergraduate studies, with fixed interest rate
Loan amount150.000 RSD
Repayment period36 months
NIR annually11,45%
Monthly instalment4.956 RSD
Administrative fee (2,95%)4.425 RSD
Costs associated with loan approval, known at the time of publishing
Bill of exchange50 RSD
Credit Bureau basic report246 RSD
EIR annually 14,75%
Total amount of loan (principal, interest and costs)183.131 RSD
EIR calculated on 15.03.2017.
Representative example of a RSD loan for financing undergraduate studies, with variable interest rate
Loan amount150.000 RSD
Repayment period36 months
NIR annually6,95% + six-month BELIBOR
Monthly instalment4.897 RSD
Administrative fee (2,95%)4.425 RSD
Costs associated with loan approval, known at the time of publishing
Bill of exchange50 RSD
Credit Bureau basic report246 RSD
EIR annually 13,81%
Total amount of loan (principal, interest and costs)181.023 RSD
EIR calculated on 15.03.2017.

The interest rate is variable and consists of a reference rate - six-month BELIBOR as a variable rate, and Bank’ margin as a fixed rate, in accordance with Bank’s Tariffs. The variable interest rate is adjusted on the first business day of each month in accordance with changes in the reference rate which, on the day of calculations for the sake of this representative example, i.e. on 15.03.2017, stood at 3,71% annually.

Representative example of a RSD loan for financing master’s studies, with fixed interest rate
Loan amount200.000 RSD
Repayment period60 months
Grace period12 months
NIR annually11,45%
Monthly instalment during grace period1.781 RSD - 1.972 RSD
Monthly instalment after grace period5.231 RSD
Administrative fee (2,95%)5.900 RSD
Costs associated with loan approval, known at the time of publishing
Bill of exchange50 RSD
Credit Bureau basic report246 RSD
EIR annually 13,61%
Total amount of loan (principal, interest and costs)280.498 RSD
EIR calculated on 15.03.2017.
Representative example of a RSD loan for financing master’s studies, with variable interest rate
Loan amount200.000 RSD
Repayment period60 months
Grace period12 months
NIR annually6,95% + six-month BELIBOR
Monthly instalment during grace period1.658 RSD - 1.836 RSD
Monthly instalment after grace period5.151 RSD
Administrative fee (2,95%)5.900 RSD
Costs associated with loan approval, known at the time of publishing
Bill of exchange50 RSD
Credit Bureau basic report246 RSD
EIR annually 12,68 %
Total amount of loan (principal, interest and costs)275.041 RSD
EIR calculated on 15.03.2017.

The interest rate is variable and consists of a reference rate - six-month BELIBOR as a variable rate, and Bank’ margin as a fixed rate, in accordance with Bank’s Tariffs. The variable interest rate is adjusted on the first business day of each month in accordance with changes in the reference rate which, on the day of calculations for the sake of this representative example, i.e. on 15.03.2017, stood at 3,71% annually.

General loan terms

RSD refinancing loans with fixed and variable interest rates

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List of required documents for Fluo loans for students
List of required documents for Fluo loans for students

Do you have any additional questions?

Write to us via our online contact form, and we will contact you.

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