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Overdraft for Employees and Pensioners

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Overdraft per account

Provide security when it comes to unexpected expenses.

Attention! Borrowing money incurs costs.

Overdraft on Your Account Provides Security for Unexpected Expenses

 

The approved amount is available on your account whenever you need it, but you are not obliged to use it.
Interest is calculated only on the utilized amount and only for the number of days it is used.

The authorized overdraft is approved with no processing or maintenance fees.
And that’s not all! 

 

Eligibility Conditions
  • For pensioners: a minimum of one month in retirement, with the pension paid into a UniCredit Bank account
  • Creditworthiness is assessed based on the borrower’s monthly income and existing financial obligations
Terms for overdraft for pensioners on the Account
  • Maximum credit amount: up to the level of the monthly salary
  • Down payment or deposit: 0%
  • Repayment period: up to 36 months
  • Option to refinance an existing allowed overdraft from another bank
  • Fixed nominal interest rate:
  • 17.25% annually with salary paid into a UniCredit Bank account
  • Application processing fee: no fee
  • Application processing fee in case of refinancing: no fee
  • Collateral: Bill of exhange
  • The Bank does not charge a fee for early repayment.
  • Interest calculation method: proportional.
Representative Example of the Overdraft for employees
REPRESENTATIVE EXAMPLE OF AN AUTHORIZED OVERDRAFT FOR EMPLOYEES
Business name UniCredit Bank
Authorized overdraft amount 50.000 RSD
Nominal interest rate (NIR), annual, fixed 17,25%
EIR at the annual level 18,98%
Total cost for using the full overdraft amount continuously 26.506,55 RSD
Total amount payable by the client after the agreed loan repayment period 76.506,44 RSD
Repayment period (number of installments) 36 months
Bill of exchange 50 RSD
Cost of obtaining a credit bureau report  246 RSD
Administrative loan application processing fee No fee
Annual loan maintenance fee, fixed No fee
Collateral for authorized overdraft Bill of exchange
Indexation method of the authorized overdraft The authorized overdraft is approved in RSD, and the user is not exposed to the risk of changes in the RSD exchange rate.

Attention! Borrowing money incurs costs.

The EIR was calculated as of July 9, 2025

The interest rate is fixed throughout the entire repayment period of the allowed overdraft, and there is no interest rate change risk for the loan user, as the interest rate remains at the same level for the full repayment period.

The allowed overdraft is granted on the current account and in RSD, therefore the user is not exposed to foreign exchange risk related to changes in the RSD exchange rate for this product.

You can download the necessary documentation from link.

Submit a request

Overdraft for pensioners on the Account, Specially Designed for Our Senior Citizens, Provides Extra Security for Unexpected Expenses

 

The approved amount is always available on your account whenever you need it, but you are not obliged to use it.
Interest is calculated only on the utilized amount and only for the number of days it is used.

The allowed overdraft is approved with no processing or maintenance fees.
And that’s not all!

Eligibility Conditions
  • For pensioners: a minimum of one month in retirement, with the pension paid into a UniCredit Bank account
  • Creditworthiness is assessed based on the borrower’s monthly income and existing financial obligations
Terms for overdraft for pensioners on the Account
  • Maximum credit amount: up to the level of the monthly pension
  • Down payment or deposit: 0%
  • Repayment period: up to 36 months
  • Option to refinance an existing allowed overdraft from another bank

Fixed nominal interest rate:

  • 17.50% annually, with the pension paid into a UniCredit Bank account
  • Application processing fee: no fee
  • Application processing fee in case of refinancing: no fee

Collateral:

  • Bill of exhange

The Bank does not charge an early repayment fee.

Interest calculation method: proportional.

 

Representative Example of the overdraft for pensioners
REPRESENTATIVE EXAMPLE OF AN AUTHORIZED OVERDRAFT FOR PENSIONERS
Business name UniCredit Bank
Authorized overdraft amount 30.000 RSD
Nominal interest rate (NIR), annual, fixed 17,50%
EIR at the annual level 19,47%
Total cost for using the full overdraft amount continuously 16.250,17 RSD
Total amount payable by the client after the agreed loan repayment period 46.250,17 RSD
Repayment period (number of installments) 36 months
Bill of exchange 50 RSD
Cost of obtaining a credit bureau report  246 RSD
Administrative loan application processing fee No fee
Annual loan maintenance fee, fixed No fee
Collateral for authorized overdraft Bill of exchange
Indexation method of the authorized overdraft The authorized overdraft is approved in RSD, and the user is not exposed to the risk of changes in the RSD exchange rate.



Attention! Borrowing money incurs costs.

The EIR was calculated as of July 9, 2025

The interest rate is fixed throughout the entire repayment period of the allowed overdraft, and there is no interest rate change risk for the loan user, as the interest rate remains at the same level for the full repayment period.

The allowed overdraft is granted on the current account and in RSD, therefore the user is not exposed to foreign exchange risk related to changes in the RSD exchange rate for this product.

You can download the necessary documentation from link.

Submit a request

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