SISBON is a Bank of Slovenia system that shows banks and other lenders how much you owe and whether you pay on time. When you apply for a loan, the bank checks it alongside your income. You can check your own data for free at any time in the Moj SISBON app. It is best to look at it before any larger loan application.
SISBON is not a blacklist and it does not calculate a score. It is a list of your credit products. What hurts most are late payments you did not know about and overdrafts you forgot you had.
What data SISBON contains
SISBON holds data on all your credit products with banks, savings banks and other lenders:
- loans, leasing, instalment purchases and buy-now-pay-later (amount, instalment, term, outstanding debt and collateral),
- overdrafts on your account, even if you do not use them,
- credit cards with their approved monthly limit,
- guarantees, if you are someone’s guarantor,
- late payments longer than 90 days and above €25, if the lender warned you about them at least once,
- personal bankruptcy and enforcement orders on your bank account.
SISBON does not record rejected applications, your salary or your account balance. You, however, can see in it who looked at your data, when and for what purpose. If a lender records a late payment or an enforcement order in SISBON, since 19 December 2025 it must tell you within 30 days at the latest.
Because SISBON does not calculate a credit score, the bank judges from the data itself whether to lend to you and on what terms. How credit rating classes affect this is covered in the article on credit rating classes and the interest rate.
How to see your data for free
The quickest way is the Bank of Slovenia’s Moj SISBON web app. You log in through SI-PASS with an electronic identity, for example a qualified digital certificate. After that you can also activate the mobile app for Android or iOS. The app shows all your credit products and their changes, and you can export a PDF printout.
If you do not have a digital identity, fill in the form “Zahteva posameznika za izpis osebnih podatkov iz SISBON” (request for a printout of personal data) and hand it in at any bank or at the Bank of Slovenia. You can choose how to receive it:
- collection through a web link, expected to be available within one working day after the bank enters the request,
- a printout by registered post, which arrives within 15 days.
The printout is free, and a bank may not charge you for submitting the request. It is only available in Slovenian.
How long data stays
The periods are set by the Central Credit Register Act (ZCKR-1):
| Data | How long it stays |
|---|---|
| Loan, leasing, overdraft, card | 4 years after the product ends |
| Late payment | 4 years after you settle it |
| Guarantee | 4 years after the guarantor’s obligation ends |
| Personal bankruptcy, enforcement | 4 years after the procedure ends |
After that the system removes the data from view on its own, so you do not need to ask for deletion. It cannot be removed earlier, even if you repay the debt in the meantime. The only exception is data that is wrong.
How to fix wrong data
If you find a loan in SISBON that is not yours, or a repaid loan still shown as open, ask for a correction. The easiest way is in the Moj SISBON app. You can also fill in the form “Zahteva posameznika za popravek osebnih podatkov v SISBON” and hand it in person to the bank that reported the data, or at the Bank of Slovenia.
Within ten working days at the latest, the bank must tell you whether the request is justified and correct the wrong data in the same period. If you submit the request at the Bank of Slovenia, it forwards it to the bank within three working days. If you disagree with the answer, you can turn to the courts.
Example: the forgotten overdraft
Maja wants a €12,000 consumer loan. Before applying, she checks Moj SISBON. Besides the car leasing she knows about, she finds a €1,500 overdraft on an account at a bank she has not used for two years.
She never used the overdraft, but because she could at any time, the bank may take it into account when assessing her creditworthiness. Maja closes it before applying and checks in SISBON that it is closed there too. On the same income she may now have more room for an instalment. How much you can borrow on your income, you can work out in the credit capacity calculator.
What about a loan without SISBON?
Banks and savings banks normally check SISBON before granting a loan, because they have to assess your creditworthiness. Offers “without a SISBON check” therefore mostly come from non-bank payday lenders. For a lender that is not a bank or savings bank, Article 26 of the Consumer Credit Act (ZPotK-2) caps the APR at 200% of the average APR the Bank of Slovenia publishes for the same credit class. For small short-term loans that average is already high, so the legal cap can be well above 100%.
Other lenders must report to SISBON too, so such a loan usually still shows up there. An expensive short-term loan also adds to your commitments and makes your next bank application harder. If a bank has already turned you down, read what to do if you are not creditworthy and compare bank offers in the consumer loan comparison.
In short
- SISBON is a list of your loans, overdrafts, cards, late payments and enforcement orders, not a credit score.
- You can see your data for free in Moj SISBON or with a printout through any bank.
- Data stays for four years after the product ends, a late payment four years after you settle it.
- A bank must answer a correction request and fix wrong data within ten working days.
- Before a larger application, check SISBON and close overdrafts you do not need. What else you can improve is in the article on how to improve your creditworthiness.
Sources
The data in this article comes from the Central Credit Register Act (ZCKR-1, mainly Articles 8, 18, 20 and 28), the Consumer Credit Act (ZPotK-2, Article 26), the Bank of Slovenia pages on SISBON and its document Moj SISBON: frequently asked questions. Checked on 7 November 2026. The full methodology and sources are listed on the Methodology page.
