YOUth package for young people
YOUth package for young people
Your first step towards financial independence.
If you’re between 15 and 25 years old, the YOUth package is made just for you!
Whether your money comes from pocket money, freelance work, a scholarship, or a salary, the YOUth package makes it easy for you to manage your money independently and securely.
Everything you need is included in one package, with access to mobile banking services 24/7.
Open a YOUth package and enjoy these launch benefits:
€50 spending money + 6 months fee-free + cashback on your purchases
[🎁] €50 spending money
Be among the first 100 users and get €50 spending money.
6 months fee-free
Enjoy completely free YOUth package maintenance for the first 6 months.
[💸] Cashback with Back2YOUth
Use your YOUth card for everyday purchases, collect points and exchange them for cash.
[🍔] 1 month of free delivery on Glovo
Open a YOUth package and your activation code for one month of free delivery will be sent to you via SMS after activating the package.
*The code can be activated until 30 November at the latest. Once activated, free delivery is valid for one month.
What do you get with the YOUth package?
Additional benefits:
As a YOUth package user, you also have access to optional financial products:
- Transaction account for pocket money, freelance income, or salary;
- Mastercard YOUth debit card for payments at home and abroad;
- Back2YOUth cashback program for YOUth Pay card users;
- Discounts of up to 50% at YOUth partner locations;
- mHB klik mobile banking available 24/7;
- Google Wallet and Apple Wallet;
- Activate round-up savings;
- SMS notifications for all transactions;
- Free cash withdrawals at Hipotekarna Bank ATMs;
- Insurance against card misuse and accidents.
For more information about YOUth card insurance, please visit: LINK
- Student loan – no processing fee
- Overdraft – subject to the user’s creditworthiness
These products can help you manage your expenses more easily and take your first steps towards building a credit history.
YOU CHOOSE,
YOU PAY!
As part of the YOUth package, you get a Mastercard YOUth debit card, designed for everyday payments at home and abroad.
You can use your card for in-store and online purchases, and add it to Google Wallet or Apple Wallet for easy and secure payments with your phone.
With your YOUth Pay card, you can enjoy special discounts and benefits from program partners.
And besides making payments easy and secure, your everyday spending can also earn you cashback.
Back2YOUth – pay by card, collect points and get money back.
Every purchase made with your YOUth Pay card can earn you points that you can redeem for cash.
Pay with your YOUth Pay card and collect points.
1 point = €1 cashback
With your YOUth Pay card, you get access to Hipotekarna Bank’s Back2YOUth loyalty program.
This means your everyday payments can be rewarded. You collect points for card transactions, which you can later redeem for cash.
How do you collect points?
For every €1 spent, you earn:
0.02 points
for off-us transactions – outside the Hipotekarna Bank network (at home and abroad).
0.05 points
for on-us transactions (within the Hipotekarna Bank network).
By regularly collecting points, you can earn up to 200 points per month.
Plus, there are additional bonuses
From September to November 2026, you can earn an additional 20 points per month if you make at least 3 transactions and spend at least €30 during the month.
From December 2026 to February 2027, you can earn double points every weekly promotional day. The promotional day will be announced in advance in the mHB klik app.
1 point = €1
The points you collect have real value.
1 point is worth €1 when redeemed for cash.
You can redeem your points for cash and transfer it to your card, with a minimum conversion of just 1 point.
You can track your points balance and their expiry date in the mHB klik app.
Watch the video tutorial to learn how to add your YOUth card to the Back2YOUth loyalty programme via the mHB klik app: LINK
Who can participate?
To participate in the Back2YOUth program, you need to:
- be a YOUth package user;
- have an active Mastercard YOUth debit card;
- register through the mHB klik app;
- accept the General Terms and Conditions and Privacy Policy.
The program runs from September 1, 2026 to February 28, 2027.
Back2YOUth Loyalty Program General Terms and Conditions.
*Detailed rules, the method of calculating and awarding points, as well as other rights and obligations of participants, are defined in the General Terms and Conditions of the Back2YOUth program.
Naravno — evo prevoda uz zadržavanje istog formata:
| Partner | Benefit |
|---|---|
| Tehno Plus | 10% discount. |
| Double L | 10% discount on selected courses, Goethe Certificate exam preparation, external English language exams, and Montenegrin-Serbian, Bosnian, Croatian language and literature exams. |
| Soko Gym | 10% discount. |
| Akademija Piva | 15% discount. |
| Diagnostica | 25% discount on medical certificates for driving tests, employment, complete blood count, gynaecological examinations and ultrasound. |
| Sport Vision | 10% discount. |
| Cineplexx | 15% discount. |
| Lonci i poklopci | 15% discount. |
| Oki Air Travel | 10% discount. |
| Foto Boni | 10% discount. |
| iCentar | 3–15% discount (3% on Apple devices, 10% on Apple accessories, 15% on non-Apple accessories). Discounts do not apply to devices and accessories that are on sale. |
| Minhen | 10% discount. |
| Ortholine Dental Clinic | 10% discount. |
| Internos | 20% discount. |
| Knjižara Pčelica | 20% discount. |
| Monte Jewelry and Watches | 30% discount. |
| Optika Sunglasses | 30% discount. |
| Optika Babić | 15% discount on lenses and glasses (+ free eye examination). |
| Hotel Onogošt | 15% discount on selected restaurant packages. |
| Monte Bar 1500 | 20% discount. |
To open a YOUth account, visit your nearest Hipotekarna Bank branch and bring the following:
Students:
- Valid identification document;
- Student ID card.
High school students:
- Birth certificate extract.
*The presence of both parents or a legal guardian is mandatory.
The first 6 months of YOUth package maintenance are completely free.
After that, the monthly fee for the YOUth package is only €0.50.
