In respect of the Tatra banka electronic products, you may encounter several terms which indicate various types of balances on your account. Here are the definitions:

UZ - Accounting Balance

It is a balance on your account as of the given moment, where:
- the permitted overdraft facility /overdraft limit/ is not added
- the minimum balance on the account is not deducted
- the held amounts /holds/ are not deducted
- the items which are accounted in advance with a date /value/ higher than the current date /e.g. any payment from a foreign country/ - forward items - are added /or deducted/

Briefly spoken:
- it covers the items which are accounted in advance
- it does not cover: the minimum balance, the overdraft facility /i.e. the overdraft limit/, the holds

AZ - Current Balance

It is also a balance as of the given moment, where:
- the permitted overdraft facility /overdraft limit/ is not added
- the minimum balance on the account is not deducted
- the held amounts /holds/ are not deducted
- the items which are accounted in advance with a date /value/ higher than the current date /e.g. any payment from a foreign country/ are not added /or deducted/

Briefly spoken:
Balance which does not cover the minimum balance on your account, the overdraft facility, the holds, the amounts valued in advance.

The only difference between UZ and AZ is in the amounts accounted in advance.

DZ - Available Balance

It is also a balance as of the given moment, where:
- the permitted overdraft facility /overdraft limit/ is added
- the minimum balance on the account is deducted
- the held amounts /holds/ are deducted
- the items which are accounted in advance with a date /value/ higher than the current date /e.g. any payment from a foreign country/ are added /or deducted/
- they are forward items

Briefly spoken:
Balance which covers the minimum balance on your account, the overdraft facility, the holds, the amounts valued in advance.

It is a balance which is essential for payments as any payments are realised from this balance, and you should bear in mind that if you have any payments on your account which are valued in advance /payment from a foreign country/, you may such funds, but you will be charged debit interests.

EXAMPLE:

Let´s take as a basis the amount of 1 659,70 EUR (your own funds) on your current account in the local currency.

• let´s take the minimum obligatory balance on your account 66,39 EUR
• let´s take the credit line (overdraft limit - an overdraft permitted by the bank) 265,55 EUR
• let´s take the held amount (hold) of 398,33 EUR (e.g. in case of a foreign payment order, the branch will hold the relevant coverage on the payer´s account)
• let´s take the forward item in the amount of 165,97 EUR (e.g. in case of payment from a foreign country, which is available to the client on any other banking day. Holidays and weekends are not banking days)

If no other items are accounted, as e.g. movements on the account and charges, the balances on the account may be computed as follows:

UZ - Accounting Balance:

The accounting balance means the aggregate amount of money on your account 1 659,70 EUR, accounting only for the forward items (in this case it is payment from a foreign country of 165,97 EUR. The accounting balance is 1 825,67 EUR.

AZ - Current Balance:

The current balance, contrary to the accounting balance, does not account for the forward items. In our fiction, the current balance is 1 659,70 EUR.

DZ - Available Balance

It is a balance on the account, which is available to the client. It is computed as follows: