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FEJM account is free of charge
with a wide offer of benefits


Mobile payments
via Google Pay and Apple Pay


5 savings accounts
with favourable interest


Modern app with mobile withdrawal
and other features

Are you a parent looking for an account for your child?
See the parent-dedicated version of this site.

When are you eligible for a free account?

  • If you are under 15 years old

    If you have not yet celebrated your 15th birthday, your parents can set up a reliable and secure VÚB Junor Account.

  • If you are up to 20 years old

    FEJM account is free for anyone under 20. By the age of 18, your parent will be automatically deleted from your account.

  • If you are under 26

    FEJM account is free after your 20th birthday if you are a student. If you are not, you can still use it for free if you actively use our products to earn a Loyalty Reward.

  • If you are up to 30 years old

    FEJM account is free of charge up to your 30th birthday if you study or actively use our products to earn the Loyalty Reward provided that you have set up your account before the age of 27.

FEJM comes with a world of benefits

Mobile payments and withdrawals

FEJM account supports Google Pay, Apple Pay, VIAMO, SEPA instant payments and payments and withdrawals by phone or watch.

The account can be overdrawn

FEJM account is not only free, you can also overdraft it with the START function of enabled overdraft.

Your bank is always at hand

With the handy VÚB Mobil banking app, everything can be easily solved without visiting a branch.

Daily savings

You'll also get a series of free savings accounts with favourable interest.

Custom design card

You will get a blank card to your account waiting for your unique design.

How to get a FEJM account?


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.

What if I am not 18 yet?

You can set up a FEJM account from the age of 15. However, if you are under 18, you must visit our branch together with your parent or guardian to set up an account. 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 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.

What operations am I authorized to do within my account?

It depends on how you set it up with your parents. By default, clients under 18 years of age have viewing rights within their Internet banking and Mobile banking. However, your parents can add full financial authorisations to you by agreement. Debit card payments are limited only by the daily limit you set.

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.

What if I am under 15?

In that case, you can create a Junior Account which is as full of benefits as the FEJM account.