Slovenia Country Commercial Guide
Learn about the market conditions, opportunities, regulations, and business conditions in slovenia, prepared by at U.S. Embassies worldwide by Commerce Department, State Department and other U.S. agencies’ professionals
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Trade Financing
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Methods of Payment

The primary means of payment in Slovenia are cash, bank debit cards, and major credit cards.  Many vendors offer payment by installment, especially for goods valued over USD 100.  Through cooperative agreements with local banks, many vendors also offer on-the-spot “mini-loans” for purchases from approximately USD 500 to USD 1,500. Other types of payment, such as wire transfer, letters of credit, documentary collections, and factoring, are also used. 

For more information about the methods of payment or other trade finance options, please read the Trade Finance Guide.

Banking Systems

Banks are limited to a narrow range of traditional activities and have yet to engage in new consumer services, investment banking, and management of more complex financial instruments. Nevertheless, the financial statements of Slovenian banks comply with international standards and are audited regularly by internationally recognized auditors. Identifying financing for domestic projects can be problematic, with banks typically seeking 100 percent or more collateral in most cases.  

Slovenia has taken some important steps to liberalize its financial markets, and a combination of market forces, national legislation, and Bank of Slovenia regulations are moving the banking sector toward greater compliance with global expectations.  In the future, portfolio and direct investments will likely become more straightforward and transparent, while banking, securities brokering, and complex credit transactions will become more commonplace. 

Foreign Exchange Controls

Slovenia introduced the euro as its national currency in 2007. The Slovenian Central Bank is a member of the European Central Bank (ECB), based in Frankfurt, Germany. The Slovenian Central Bank does not operate independently. As a member of the ECB, Slovenia operates under the guidelines of the EDB and follows all ECB directives.

U.S. Banks & Local Correspondent Banks

Slovenia hosts 9 banks and three savings houses. Larger correspondent banks include: 

  • Nova Ljubljanska Banka d.d. (NLB)
    Ljubljana, Trg republike 2, 1000 
    Ljubljana, Slovenia 
    Tel +386 1 476 3900 
    Email: info@nlb.si   
     
  • OTP Bank 
    Slovenska cesta 58, 1000 
    Ljubljana, Slovenia 
    Tel.  +386 1 729 5210
    Email: info@nkbm.si   
     
  • Banka Intesa Sanpaolo d.d., 
    Pristaniška ulica 14, 6502 
    Koper, Slovenia 
    Tel +386 5 66 61 000 
    Email: info@intesasanpaolobank.si  

For additional information, visit the U.S. Department of State Investment Climate Statements.

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Welcome to the Global Business Navigator, an artificial intelligence (AI) Chatbot from the International Trade Administration (ITA). This tool, currently in beta version testing, is designed to provide general information on the exporting process and the resources available to assist new and experienced U.S. exporters. The Chatbot, developed using Microsoft’s Azure AI services, is trained on ITA’s export-related content and aims to quickly get users the information they need. The Chatbot is intended to make the benefits of exporting more accessible by understanding non-expert language, idiomatic expressions, and foreign languages.

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