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Account overdraft

UniCredit Bank provides Account Overdraft for solving all unanticipated situations!

UniCredit Bank provides Account Overdraft to private individuals for solving all unanticipated situations!

The approved amount is on your account if you need it, but you do not have to use it. Because the nominal interest rate is calculated only on the used amount for as many days as you used it.
Overdraft is granted without processing fee and maintenance fee. And that's not all!
If you use an overdraft amount up to RSD 12,000 nominal interest rate is not charged!

Find out more

Terms for Account Overdraft

  • Maximum Overdraft Amount: up to one monthly salary/ pension
  • Deposit or down payment: 0%
  • Repayment period: up to 36 months
  • Ability to refinance existing loans, overdrafts and credit card debts

Nominal interest rate, variable:

  • 19.90 % P.A. with the transfer of monthly salary/pension on the account in UniCredit Bank

Variability of nominal interest rate is determined in accordance with changing value of 1M BELIBOR on the last working day of the month:

  • if value of 1M BELIBOR on that day is less than 2.00%, interest rate is changing to 14.9% annually,
  • if value of 1M BELIBOR on that day is from 2.00% up to 3.99%, interest rate is changing to 19.9% annually,
  • if value of 1M BELIBOR on that day is from 4.00% up to 14.99%, interest rate is changing to 24.9% annually,
  • if value of 1M BELIBOR on that day is from 15.00% up to 21.99%, interest rate is changing to 29.9% annually,
  • if value of 1M BELIBOR on that day is from 22.00% and more, interest rate is changing to 34.9% annually,
  • For overdraft amount up to RSD12,000.00 nominal interest rate is 0%. If the used amount of the overdraft exceeds the sum of RSD12,000.00, the nominal interest rate specified as that described above shall be calculated and charged on the entire amount of used amount.
  • Request Processing Fee: free of charge
  • Request Processing Fee for refinancing : free of charge
  • Maintenance Fee: no fee
  • Mandatory collateral instruments: Blank bill
  • The bank does not charge a fee for pre mature repayment
  • The method of calculating interest is proportional.

For all additional information, please do not hesitate to contact us on our Info telephone 011/3 777 888 or visit one of our branch offices throughout Serbia.

UniCredit Bank provides Account Overdraft specially created for our senior citizens, given the fact that it includes insurance, and for solving all unanticipated situations!


The approved amount is on your account if you need it, but you do not have to use it. Because the nominal interest rate is calculated only on the used amount for as many days as you used it.
Overdraft is granted without processing fee and maintenance fee. And that's not all!
If you use an overdraft amount up to RSD 12,000 nominal interest rate is not charged!

Find out more

Terms for Account Overdraft

  • Maximum Overdraft Amount: up to one monthly pension
  • Deposit or down payment: 0%
  • Repayment period: up to 36 months
  • Ability to refinance existing loans, overdrafts and credit card debts

Nominal interest rate, variable:

  • 19.90 % P.A. with the transfer of monthly pension on the account in UniCredit Bank

Variability of nominal interest rate is determined in accordance with changing value of 1M BELIBOR on the last working day of the month:

  • if value of 1M BELIBOR on that day is less than 2.00%, interest rate is changing to 14.9% annually,
  • if value of 1M BELIBOR on that day is from 2.00% up to 3.99%, interest rate is changing to 19.9% annually,
  • if value of 1M BELIBOR on that day is from 4.00% up to 14.99%, interest rate is changing to 23.9% annually,
  • if value of 1M BELIBOR on that day is from 15.00% up to 21.99%, interest rate is changing to 29.9% annually,
  • if value of 1M BELIBOR on that day is from 22.00% and more, interest rate is changing to 34.9% annually,
  • For overdraft amount up to RSD12,000.00 nominal interest rate is 0%. If the used amount of the overdraft exceeds the sum of RSD12,000.00, the nominal interest rate specified as that described above shall be calculated and charged on the entire amount of used amount.
  • Request Processing Fee: free of charge
  • Request Processing Fee for refinancing : free of charge
  • Maintenance Fee: no fee
  • Insurance*
  • Mandatory collateral instruments: Blank bill
  • Life Insurance during the period of the overdraft . The Bank will provide a complete portfolio (Life Insurance cost is included in the credit cost ). Clients, overdraft customers will be provided in case of death, regardless of the reason of the insured event (due to illness, accident)
  •  
  • The bank does not charge a fee for pre mature repayment
  • The method of calculating interest is proportional.

For all additional information, please do not hesitate to contact us on our Info telephone 011/3 777 888 or visit one of our branch offices throughout Serbia.

Overdraft for refinancing gives you the possibility to refinance your existing obligations, but you can always remain something over.

The approved amount is on your account if you need it, but you do not have to use it. Because the nominal interest rate is calculated only on the used amount for as many days as you used it. Overdraft is granted without processing fee and maintenance fee. And that's not all! If you use an overdraft amount up to RSD 12,000 nominal interest rate is not charged!

Find out more

Terms for Account Overdraft

  • Maximum Overdraft Amount: up to one monthly salary/ pension
  • Deposit or down payment: 0%
  • Repayment period: up to 36 months
  • Ability to refinance existing loans, overdrafts and credit card debts

Nominal interest rate, variable:

  • 19.90 % P.A. with the transfer of monthly salary/pension on the account in UniCredit Bank

Variability of nominal interest rate is determined in accordance with changing value of 1M BELIBOR on the last working day of the month:

  • if value of 1M BELIBOR on that day is less than 2.00%, interest rate is changing to 14.9% annually,
  • if value of 1M BELIBOR on that day is from 2.00% up to 3.99%, interest rate is changing to 19.9% annually,
  • if value of 1M BELIBOR on that day is from 4.00% up to 14.99%, interest rate is changing to 24.9% annually,
  • if value of 1M BELIBOR on that day is from 15.00% up to 21.99%, interest rate is changing to 29.9% annually,
  • if value of 1M BELIBOR on that day is from 22.00% and more, interest rate is changing to 34.9% annually,
  • For overdraft amount up to RSD12,000.00 nominal interest rate is 0%. If the used amount of the overdraft exceeds the sum of RSD 12,000.00, the nominal interest rate specified as that described above shall be calculated and charged on the entire amount of used amount.
  • Request Processing Fee for refinancing : free of charge
  • Maintenance Fee: no fee
  • Mandatory collateral instruments: Blank bill
  • The bank does not charge a fee for pre mature repayment
  • The method of calculating interest is proportional

Refinancing account overdraft with insurance for pensioners

UniCredit Bank provides Account Overdraft for refinancing, specially created for our senior citizens, for solving all unanticipated situations!

Find out more

Terms for Account Overdraft with insurance for pensioners for refinancing

  • Maximum Overdraft Amount: up to one monthly pension
  • Deposit or down payment: 0%
  • Repayment period: up to 36 months
  • Ability to refinance existing loans, overdrafts and credit card debts

Nominal interest rate, variable:

  • 19.90 % P.A. with the transfer of monthly pension on the account in UniCredit Bank

Variability of nominal interest rate is determined in accordance with changing value of 1M BELIBOR on the last working day of the month:

  • if value of 1M BELIBOR on that day is less than 2.00%, interest rate is changing to 14.9% annually,
  • if value of 1M BELIBOR on that day is from 2.00% up to 3.99%, interest rate is changing to 19.9% annually,
  • if value of 1M BELIBOR on that day is from 4.00% up to 14.99%, interest rate is changing to 23.9% annually,
  • if value of 1M BELIBOR on that day is from 15.00% up to 21.99%, interest rate is changing to 29.9% annually,
  • if value of 1M BELIBOR on that day is from 22.00% and more, interest rate is changing to 34.9% annually,
  • For overdraft amount up to RSD12,000.00 nominal interest rate is 0%. If the used amount of the overdraft exceeds the sum of RSD12,000.00, the nominal interest rate specified as that described above shall be calculated and charged on the entire amount of used amount.
  • Request Processing Fee for refinancing : free of charge
  • Maintenance Fee: no fee
  • Insurance*
  • Mandatory collateral instruments: Blank bill
  • Life Insurance during the period of the overdraft . The Bank will provide a complete portfolio (Life Insurance cost is included in the credit cost ). Clients, overdraft customers will be provided in case of death, regardless of the reason of the insured event (due to illness, accident)
  • The bank does not charge a fee for pre mature repayment
  • The method of calculating interest is proportional.

For all additional information, please do not hesitate to contact us on our Info telephone 011/3 777 888 or visit one of our branch offices throughout Serbia.

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