Which transactions are not covered by the grace period for lending?

The grace period for lending does not apply to:  

• cash withdrawals and cash withdrawal fees 
  
• card transfers and transfer fees
  
• cashless quasi-cash transactions and fees for them
• purchase payment transactions according to the list
• cashless transfers via remote banking services.
  

Accordingly, the grace period for lending applies to:  

• payment for goods and services using the card or its details, except for the exclusion list.
• payment of bank fees, except for cash withdrawal, quasi-cash transaction, and transfer fees.