Raiffeisenbank Austria d.d. (RBA) is organizing the referral campaign „Friends by Account“ from 26 March 2025 to 30 June 2025.

WHO CAN PARTICIPATE?

Promoter: an existing RBA client, an adult private individual who has the mojaRBA mobile app or at least one active bank product on 24.03.2025. Any individual can become an RBA client by contracting any bank product and becoming a Promoter on this way.

New Client: An adult private individual who is not an RBA client or is an existing client who has not received regular income (salary/pension) payments in the bank for the previous 6 months but has at least one bank product.

Adult Croatian citizens apply for the promotional campaign:

• using the mojaRBA mobile application to open RBA Start&Go or RBA Young&Free package,
• apply via the application form on the bank's "Friends by Account" website and signing up for the RBA Start&Go or RBA Young&Free package with assistance in RBA branches.

Foreign nationals residing in Croatia apply for the promotional campaign through the Registration Form and by scheduling an appointment via the bank's web page "Prijatelji po računu" (Friends by Account).

New clients establish a business relationship with the bank with the recommendation for at least one year.

A new business client is an individual with a registered business, or a legal entity (craftsmen and small businesses) that is not an RBA client and has not held a transactional account at RBA in the last 6 months. They apply for the program via the bank’s web page "Friends by Account” with the recommendation for a business relationship with the bank for at least one year.

Promoters can invite friends, family, or acquaintances to become new RBA clients, and thus earn rewards, provided that the new client meets all the conditions of the promotional campaign.

HOW DOES THE REWARD SYSTEM WORK?

The „Friends by Account“ promotional referral campaign rewards New Clients who are private individuals detailed in the table:

Promoters receive 50 EUR for each new client who contracts an RBA Start&Go, RBA Young&Free package, or a transaction account. They can share their Activation Code and receive rewards without limitation until 30.6.2025.

PAYMENT OF REWARDS

Rewards are paid in a lump sum in the calendar month following the fulfilment of all requirements, exclusively credited to the current account of the Promoter and the New Client private individual. The bank reserves the right to limit and/or suspend the payout of rewards to a promoter if it becomes aware or reasonably suspects that the promoter is acting contrary to the regulations when distributing Activation Codes.

ADDITIONAL RULES

Who is not eligible?
Employees of the Bank and the Group are not eligible for rewards. Employees who work directly with clients (Business Network, Call Centre, and SME Sales Centre) cannot receive Activation Codes either.

Conditions for Promoters without RBA account
Promoters without RBA account must open a current account in order to receive their reward.

Recommendation of several Promoters for the same client
Multiple Promoters referring the same client. If multiple Promoters refer the same person, the reward is paid to the Promoter whose Activation Code was registered first.

Data protection
New Client information is protected and is not shared with Promoters or other New Clients.

Rights of the Bank
RBA reserves the right to amend the terms and rewards, or to cancel the promotional campaign at any time.