Questions and Answers
You can request reports from registers in person at our Client Center or through our e‑shop. We describe all methods of delivery of individual reports here:
A natural person or a self-employed natural person who is of legal age and legally competent. If the applicant does not meet any of these conditions, their request will not be accepted. To verify the identity of the applicant, a valid ID card or passport is required. A foreign individual is required to prove their identity with a passport or a residence permit in Slovak Republic. A natural person can authorize representation in the process of applying for the service and related activities based on an officially certified power of attorney (forms). Personal documents are required from the representative to the same extent as from the natural person they represent. If the applicant is the legal representative of the client, some form of proof is required.
A legal entity can also request a statement from the registers and can be represented based on an officially certified power of attorney (forms). In such a case, you will also need this authorization (power of attorney) that allows you to act on behalf of the legal entity, if this information is not directly evident from the Commercial Register extract. If the legal entity is not registered in the Commercial Register maintained by the Ministry of Justice of the Slovak Republic (www.justice.gov.sk), the applicant is obliged to submit, together with the request, an extract of data about the legal entity from the relevant register or from another record (in original or a certified copy), which must not be older than 3 months; after the request is processed, this extract will be returned to the applicant
A statement from the registers provides a comprehensive overview of all credit products you are utilizing or currently applying for. It also includes information about regular and irregular payments, details about payments made after the due date (in other words, payments that did not occur according to the pre-agreed repayment conditions), and other information regarding the parameters of your loans or applications.
A statement from the registers is a valuable document for both the client and the financial institution. When you apply for a loan, financial institutions assess your credibility. They examine whether you have provided all the required information truthfully and whether you have disclosed all your commitments, loans, and credit cards. Financial institutions have access to your statement from the registers, which contains this information. Statements from the BRKI and NRKI registers do not contain information about your income, only about your liabilities.
We use more and more financial products – credit cards, leasing and consumer loans, loans for the purchase of goods, loans from building savings or mortgages. Often there are so many that we are unable to keep track of them all. The statements of registers record this data for us.
A statement from the registers offers insight into your credit history. If it demonstrates that you repay loans in a timely and proper manner, you have a better chance of obtaining a loan compared to someone who repays their obligations late or not at all. A statement from the registers is evidence of your payment reliability and serves as a foundation for successfully building your financial future. Be cautious when dealing with financial institutions that do not work with statements from the registers. If they are not a participant in one of the BRKI and NRKI registers and do not request a statement from the registers, they are unlikely to have a genuine interest in ensuring you can repay their loan.
The statement from the registers is a comprehensive source of information containing both negative and positive data regarding an individual's overall payment discipline and credit history.
The statement from the registers begins with identification data – for non-business individuals, this includes PERSONAL INFORMATION: name, surname, address, personal identification number, and date of birth. The identifiers also include a code assigned to the subject in the register. If the subject is a business entity, the identification data is supplemented with a company identification number (IČO) and a tax identification number (DIČ).
The statement from the registers then provides a list of all credit contracts based on the type of operation and their phase: from application, through rejection, appeal, existence, to termination. Individual loans are categorized by type of operation into Loans, Housing Loans, Business Loans, Financial and Operational Leases, Overdrafts and debits on the current account, Cards and revolving loans, Accounts for services, and factoring.
Following this is an overview of the ratio of obligations in the individual registers and a comparison to the previous month for Total Monthly Payments, Total Debt Amount, and Unpaid Amounts Past Due. In the joint statement from the Banking and Non-Banking Registers, these three items are calculated across both registers. For example, the total monthly payment is calculated from all loans in both the CIBR and NBCIR registers. Each item also shows the breakdown of how much of that amount is in the Banking or Non-Banking Register. All loan amounts are always listed in the national currency.
In the next section, details of each individual contract or loan are provided. The details of each type of loan first display items that are current for the given month. For example, the amount of the next installment as of the statement date, the number of remaining installments, and others. Among these items are also so-called maximum calculated items, such as Maximum Unpaid Amount or Worst Status. These values are calculated from the entire history of the contract.
Below this list, there is a table with the repayment profile. The repayment profile provides a detailed description of the last 24 months, such as the trend of the remaining installment amounts in individual months. At the level of each month, you can also see the Unpaid Amounts Past Due if the client did not meet their obligations on time.
The last section provides an overview of all applications made by the client and their role in them. This includes whether the client applied for a loan themselves or played a role as a guarantor or co-applicant. It also includes applications that were rejected by the financial institution or those that the applicant withdrew themselves. In the rejected and withdrawn phases, the applications are displayed on the statement for an additional 12 months or 6 months for applications in the Non-Banking Register.
Have you discovered that the information about you in the CIBR and NBCIR registers is incorrect, inaccurate, or incomplete? Please contact us with the completed request for correction of inaccurate or false information. You can find the forms HERE. How can you deliver your request to us?
Upon receiving your notification regarding the processing of false or inaccurate information in the registers, we will make every effort, in cooperation with the relevant financial institution, to rectify the situation as soon as possible. If it is not possible to rectify the situation, we will promptly eliminate the false or inaccurate information.
The Central Register of Executions (hereinafter referred to as the "Register of Executions") is a public list available on the Chamber's website, in which data on each legally pending execution are entered. The details and scope of the recorded data are regulated by Act No 233/1995 Coll. No. 355/2014 of the Ministry of Justice of the Slovak Republic of 10 December 2014 on the Central Register of Executions.
The executor who is entrusted with the execution, the deputy, substitute or successor of the executor shall make an entry or change in the register of executions within seven days of the finality of the decision in respect of an execution which has not been validly completed. The record of a legally terminated execution shall be deleted by the executor from the register of executions within 14 days.
You can obtain a list of foreclosures on the moje-financie.sk portal online after registration or in person at the Client Centre. You can submit a request to the Central Register of Executions (CRE) of the Slovak Republic for a natural person (FO), a natural person – entrepreneur (FOP) or a legal person (PO). The CRE is a public list maintained, operated and managed by the Slovak Chamber of Enforcement Officers pursuant to a statutory mandate.
The CRE allows to find out indicative information on specific enforcement proceedings, to find out whether an enforcement has been ordered against a specific entity under the Enforcement Code, which bailiff has been entrusted with the enforcement, what the enforced obligation is, when the enforcement was ordered, whether it has been validly postponed or stopped.
You can request Distrain in person at our Client Center or through our e‑shop. There is no need to verify the identity of the applicant for queries into the Central Register of Enforcement Proceedings. After selecting the subject of interest – a natural person, a self-employed natural person, or a legal entity.
The executor shall, within seven days of the decision becoming final, make an entry or change in the register of executions in respect of a legally pending execution. He shall be obliged to delete the record of a legally terminated execution from the register within 14 days. In certain cases, if the executor fails to fulfil his obligation, the Slovak Chamber of Executors shall make the entry, change or deletion of the data from the CRE, if it has the necessary information at its disposal.
NetAgent is a service focused on locating stolen or compromised sensitive data on the internet. It is designed for proactive cyber detection on an international level. NetAgent continuously monitors thousands of websites and millions of data points. It alerts users if there is a threat to their personal or financial information in the online environment, including the dark web, deep web, and IRC channels.
It is the only monitoring solution designed for proactive international cyber detection, free from language barriers, and capable of uncovering identity theft worldwide. It offers the ability to constantly monitor the movement of personal and financial data on the internet to prevent their unlawful use and allows the user to react quickly and take necessary protective measures.
When you activate the NetAgent service on the moje-financie.sk portal, it initiates monitoring of the tracked data. Once an elevated risk is detected, you will be alerted via SMS or email, depending on your preference.
NetAgent significantly reduces the risk of identity theft by providing early notification if your personal information is in any way compromised. The service allows for prevention and swift resolution in the event of identity theft. This monitors activities in the registries (CIBR and NBCIR) and checks for any new events or requests for credit products in any of the registries. Unfortunately, no identity protection tool can completely prevent instances of identity theft.
NetAgent monitors online activity related to the personal information you have defined. This alert signifies that our monitoring technology has identified information on the internet that matches the data you are monitoring. It provides detailed information about the compromise as well as the source.
As soon as we detect any event related to your monitored data, we will send you a notification email or SMS within 24 hours of the event. You will also have access to all notifications in the client zone of the moje-financie.sk portal.
NetAgent watches over your personal, address, financial, and contact information, including login details for applications: name, surname, address, date of birth, personal identification number, ID card number, passport number, driver's license number, bank account number in national and international format, credit card number, email addresses, and phone numbers. Each user chooses the extent of the data according to their own discretion.
You can register through the registration form and postal services.
The registration process may seem complicated, but please keep in mind that this is primarily to protect your personal information.
In CIBR/NBCIR, both individuals (citizens and self-employed individuals) who have or have had any loan product with a financial institution that is a participant in the CIBR/NBCIR registries, are listed. It also includes individuals who are currently applying for a loan product and have not yet entered into a loan agreement.
The Banking Client Information Registry (CIBR) maintains a database of contractual (credit) relationships between banks and their clients. CIBR displays information about clients that reflects their creditworthiness and credibility, including details about the overall credit engagement of the client, utilization of individual credit products, and the payment behavior of the client. CIBR contains both positive and negative information, providing banks with comprehensive credit histories of their clients. This, in turn, enables clients to build their own credit history. With the positive information in the registry, banks can better evaluate the potential risk of over-indebtedness for clients applying for new credit. The Banking Client Information Registry is operated by SBCB – Slovak Banking Credit Bureau, s.r.o. For more information, visit www.sbcb.sk.
The Non-Banking Client Information Registry (NBCIR), operated by the association NBCB – NBCB – Non Banking Credit Bureau, ZZPO, manages a database of client credit products from leasing companies, companies providing consumer and other loans, and factoring companies. Users of the Non-Banking Registry can verify the creditworthiness of their clients, for instance, whether a client repays their obligations on time and in good order. NBCIR contains information about contractual relationships between lending entities and their clients, which determine creditworthiness, trustworthiness, and their payment behavior. This includes details about credit products (accepted and rejected), the amount of the loan, and repayments, as well as whether the client's obligations are met properly and on time. For more information, visit www.nbcb.sk.
Need to quickly check your registry statement? Thanks to the portal www.moje-financie.sk, you can have it available online at all times. This can come in handy not only before applying for a larger loan, but also periodically, as a check to ensure you haven't forgotten about any of your obligations and that your payments have gone through smoothly.
Tip: Thanks to access to online statements, you'll be able to sleep soundly. Every month, you can be reassured that everything is in perfect order.
The information contained in the registries is regularly updated on a monthly basis and is stored for the duration of the contractual relationship with the financial institution, and for an additional 5 years after its termination.
Credit registries are secure databases that record information about clients of financial and non-financial institutions who have or have had obligations to these institutions in the past. Both financial and non-financial institutions can exchange this information about clients through the registries. This primarily concerns information about the ability to repay obligations, also known as creditworthiness.
In general, credit bureaus are databases containing information about all types of clients – both legal entities and individuals – citizens and entrepreneurs who are in some way associated with a provided loan. Credit bureaus are designed to provide financial and non-financial institutions with data about clients needed for granting loans and thus prevent providing loans to 'non-creditworthy' clients.
Bureaus also serve the clients themselves, especially in cases where a client is reliable and financial and non-financial institutions can verify this through the registry. This leads to a faster process of providing financial resources. Additionally, clients can assess whether they can afford another loan or not by checking their own credit history in the bureaus through ordering a credit report.
In addition to the client's identification information (i. e., name, surname, date of birth, personal identification number, place and country of birth, and address), CIBR also contains information indicating whether there has been or will be a contractual (credit) relationship between the client and the bank. It also includes personal information about the client's financial obligations that have arisen, will arise, or may arise towards the bank, such as the number of existing credit agreements, the amount of individual loans, repayments, repayment history, information on securing obligations, and more.
For each individual or legal entity, the registries provide basic identification information such as name, personal identification number/tax identification number, and address. They also include information about the type of product used and how much the individual or legal entity repays or has repaid in the past. Specifically, this includes the number of credit agreements, the amounts of individual loans, and the amounts of regular repayments. The information also encompasses the repayment history of these obligations and details about their collateral. The registry also maintains a so-called positive credit history – indicating that the client repays their obligations properly and on time. Additionally, the registry contains information about whether a particular person is currently applying for any credit product.
When evaluating competitive offers, don't rely solely on the interest rate. This is especially true when it doesn't always represent an annual rate – especially if it seems suspiciously low. In such cases, the percentage figure may not be per annum (per annum), but perhaps per month (per mensem). It's much more appropriate to compare using a more comprehensive indicator – the so-called APR, or Annual Percentage Rate of Costs. In reality, you're not only paying a certain percentage of interest on the borrowed amount annually, but also various fees related to contract closure, loan administration, account management, and so on. These are already included in the APR. So, the APR shows the cost of the loan more accurately than the interest rate. Of course, it would be ideal if the APR were the same as the interest rate. This would mean you're not paying any extra fees. However, that's unrealistic. Through the APR, you should also only compare products with comparable repayment periods and installment amounts.
Another important indicator is how much you will actually pay for the entire loan. Utilize online calculators. Seek references. Utilize the services of financial consultants and advisors. It's worth it. Also, check what would happen if you were late with a payment. Penalty interest rates can vary greatly among different financial institutions and in some cases, be unreasonably high.
Are you looking to buy your own home but worried you won't qualify for a mortgage? Do you want to secure the most advantageous loan terms? One straightforward way to boost your credibility in the eyes of a bank is by building your credit history. Banks must carefully consider who they can grant a high loan amount to and who they cannot. This protects not only their own funds, but also the funds of their clients. The bank wants clients who can demonstrate the ability to repay loans because otherwise, they will never recover the full amount of their investment. Clients who may struggle to repay a loan are less likely to be approved. This can sometimes evoke negative emotions. Imagine, however, getting a mortgage only to realize later that you're unable to make the payments. In the end, you could still lose the dream property. That's why it's better to carefully consider whether the loan might burden you too much.
Records in registries are a handy tool. They allow the bank to easily check your payment behavior. It's not true that the bank values a client who owes nothing anywhere the most. The bank most values clients who can demonstrate the ability to repay all their loans smoothly. So, don't hesitate to take out a car lease or buy a washing machine on installments. On the contrary, if you repay promptly and on time, the bank will view you as a reliable client. If you plan to apply for a mortgage in the future, try first with a smaller loan to see your repayment capabilities. When you manage to repay the loan properly, you'll receive better terms for your mortgage.
Under no circumstances should you succumb to the temptations of untrustworthy debt relief companies – not all of them have your best interests at heart. Also, refrain from taking out another loan to cover unpaid debts. Both of these solutions will only deepen the debt trap you've fallen into. In any case, seek advice from one of the financial distress counseling services, or other useful organizations that provide free guidance and assistance. We certainly don't wish a burdensome insolvency situation upon you. Nevertheless, below we explain a few terms you may come across.
Are you having trouble meeting repayment deadlines? Or perhaps you're already not meeting your obligations? The first step is immediate communication with your creditor. They will certainly try to find a solution. And undoubtedly, they are bombarding you with phone calls, emails, and letters. A ruined client is of no value to them. Once you bury your head in the sand, they may take drastic measures against you. Later on, you may personally feel the painful consequences of words like execution, bankruptcy, insolvency, and liquidation.
It's quite common for people to forget about their obligations. In the best case, they'll remember their forgotten debt when applying for a new loan; in the worst case, only when the bailiff comes knocking. If you haven't been meticulously keeping track of your obligations so far, it's not easy to get a clear picture of your current situation. Just imagine having to call all the financial institutions you've ever borrowed money from! And of course, we're not just talking about large loans that you probably remember, but also about electronics on installment plans or credit cards. Regularly check your registry statements. Be careful! It's not enough to just keep an eye on loans directly in your name, but also on loans where you act as a guarantor. If the person you're guaranteeing for can't make the payments (due to long-term disability, injury, and so on), then the debt shifts to you. Be very careful about who you guarantee for and stay informed about their repayment status.
Adatabase of financial obligations and payment discipline of clients of banks that are members of this registry.
Both banking and non-banking registries (and their operators) have client center. It is possible to obtain a registry statement and register with moje-financie.sk through them.
Within the statement, this category includes credit from building savings or revolving (automatically recurring) loans.
The technical administrator of the Banking Client Information Registry (CIBR) and Non-Banking Client Information Registry (NBCIR); facilitates the exchange of client information among individual members of the CIBR or NBCIR registry.
A portal that allows online access to registry statements and serves as a guide for responsible borrowing.
A database of financial obligations and payment behavior of clients of non-banking financial institutions that are members of this registry.
The entity through which reputable non-banking financial institutions operate the Non-Banking Client Information Registry (NBCIR).
A category where you can find overdraft loans, authorized and unauthorized debits in your statement.
An overview of financial obligations that a subject has with financial institutions associated with the Banking or Non-Banking Client Information Registry
Acategory where you can find personal loans, consumer loans, mortgage loans, investment or operating loans, leasing, etc., in your statement.
The entity through which significant banks operate the Banking Client Information Registry (BCIR).
There is no one-size-fits-all guide that could describe in a few sentences how to choose the ideal loan product. Much depends on the applicant's specific situation: how much money they need, for what purpose, what their current and future repayment options, collateral, and guarantees are. However, there are a few useful guidelines. Once you choose a suitable loan product for your purpose, seek recommendations from acquaintances or online for offers from several competing financial institutions. Try to compare them. Also, try to verify the reliability of a specific financial institution from multiple sources.
A lot can be gleaned from the proposed loan agreement about the seriousness of the loan provider and the loan conditions. Check if it includes, among other things, the following items. If not, ask why and request their inclusion:
By registering on the portal, you will receive regular updates on the status of your credit obligations recorded in the credit bureaus CIBR and NBCIR. Additionally, you can handle everything from the comfort of your home online. The report from registers is available immediately with just a click, as well as other offered services. You can complete the registration when making a purchase in our e‑shop.
