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Overdraft - Your financial reserve

  • Up to 100,000 CZK in a few minutes

    Financial reserve on an account in the event of unexpected expenses from 5,000 CZK to 100,000 CZK.

    An overdraft can only be opened with our current account: 

    • if you are our client, you can set up an overdraft in internet banking.
    • if you are not our client, you can open an overdraft when arranging a current account at a branch.

  • Advantageous interest without conditions

    Unlike other banks, we contractually guarantee an advantageous rate for the entire duration of the overdraft. 

    You do not have to fulfil any special conditions in order to maintain advantageous interest rates. 

  • Overdraft without fees

    What you pay for elsewhere is free with us. You only pay interest for the used limit.

    You do not pay anything for:

    • provision and maintenance
    • change of limit
    • cancelling the overdraft

    You also do not pay anything if you do not actively use your overdraft.

  • Insurance for peace of mind

    We will not let you down if you find yourself in a difficult situation.

    Being unable to make payments due to inability to work, loss of a job or an accident can happen to anyone. 

    Overdraft insurance will protect you and your loved ones if adverse life events occur.  

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Representative example

You will utilise the Overdraft in the amount of CZK 20,000 on a one-off basisas of 1 February 2017, and repay the entire amount of CZK 20,000 as of 1 May 2017. Apart from that, you will pay interest in the amount of CZK 281.67, always at the beginning of the month, starting from March. The fixed interest rate is 16.90% p.a., the APR is 18.27%, and there are no fees for setting-up and managing the Overdraft. The total amount payable by the client is CZK 20,845.

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