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How to get a free account until you are 30 years old?

If you are a student, you pay nothing for your FEJM account until you reach the age of 30. 

If you are a student and have managed to open your FEJM account before reaching the age of 27, we will automatically continue to maintain your account free of charge until you are 30. 

If you are not a student, use the programme Reward for Loyalty

If you have opened an FEJM account for the young before reaching the age of 27 and you are no longer a student, it does not matter, you will automatically get a 50% discount on the fee for maintaining a standard VÚB account. And if you meet the following three conditions, you will have your FEJM account for free until you are thirty.


Use Internet Banking or Mobile Banking at least once a month


An income of at least EUR 500.00 is credited to your account every month


You use at least 2 other products from our portfolio

Products that can help you earn the Reward for Loyalty:

  • Consumer credit
  • Mortgage loan
  • Credit card with at least 3 posted card payments per month.
  • Regular savings of at least EUR 50.00
  • Deposit products of at least EUR 10,000.00
  • La Vita life insurance

Products recommended by us not only to earn the Reward for Loyalty

Get extra money whenever you want straight from the ATM or when paying by card

All you have to do is set up authorised overdraft for your account. You only pay the interest on the drawn portion of the limit available.

Do you want to buy things in e‑shops or indulge in something extra?

You can use the network of shops partnering Quatro or you can get help from a credit card, with rewards for every credit card payment!

Do you want to buy something more valuable?

We lend you up to EUR 25,000! Moreover, if you arrange a loan ONLINE via Internet Banking or Mobile Banking, you will get a 50% discount on the fee for the provision of a non‑purpose loan. If you credit your account with double the amount of the monthly repayment over 18 months, the loan provision fee will be refunded to you.

Do you want to drive your car?

If you are a student, you can use financial leasing or a loan with preferential interest rates for financing new and used vehicles, and you get it completely free of charge. You can drive your dreamy car without paying the total price of the car. This offer is valid for both full time and parttime students from aged 21 years.

With us you can save profitably!

On a savings account with a preferred bonus interest compounded monthly! Furthermore, the money in this type of account is available at any time.

How about fulfilling your dream of owning your own home?

With a discounted mortgage you can do it! You can also get the state tax credit of up to EUR 400  per year during the first 5 years of the mortgage.

Questions and answers (Q&A)

How do I set up an account?

If you are under 18, stop by with your parent or guardian at one of the VÚB branches. To open an account, you must bring with you either the original or a certified photocopy of your birth certificate and your legal guardian's ID card. Setting up an account is free of charge and you pay no monthly fee.

If you are already 18, you can set up your account online or visit any VÚB branch with an ID card. Setting up an account is free of charge and you pay no monthly fee for as long as you study.

Can I set up FEJM account online?

If you are 18 years of age or older, you can also open an account online at The courier will then bring you documents to access your Internet banking. If you are not yet 18 years old, you will need to visit a branch with a parent or guardian.

I have a START account, can I switch to a FEJM account?

Yes, if you have a START account, you can request a change at any of our branches. If you are 20 years old or older and you study, bring along your ISIC card or study certificate to continue using your account for free.

How does my debit card work?

Your debit card usage is limited only by limits that you and your parent can set during the setting up of your account. Within the limit, you can make full use of your debit card for both payments and withdrawals – including mobile ATM withdrawals. You can also use Apple Pay or Google Pay payments with your card.

How long will I be able to use my account for free?

Clients from 0 to 20 years have their accounts automatically free of charge and there is no need to submit proof of study. Clients who reach or have reached the age of 20 submit proof of study once and then continue to use the account free of charge. Clients who are over 20 years of age and do not study switch to VÚB Account with a benefit for the young.

What should I do if my debit card is lost or stolen?

Call Contact ( 0850 123 000 from Slovakia, +421 248 555 970 from abroad) and immediately block your debit card to prevent misuse. More information can be found on this page.

Can I deposit money into my account in cash without visiting the branch?

Yes, you and your parent can deposit funds into an account at any deposit ATM free of charge.