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Account Overdraft

Overdraft

Permitted overdraft for employees and pensioners

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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!

 

Find out more

Preconditions:

  • For employees: minimum 12 months of employment, continuously. If the client is employed for an indefinite period with the current employer for less than 12 months, it is necessary to submit a written certificate of the client's total working experience (Certificate of the PIO Fund on the employee's insurance experience) issued in the original. 
  • Earnings directed to the account at UniCredit Bank.
  • The debtor's creditworthiness is determined depending on the amount of the debtor's monthly income and obligations.
Terms for Account Overdraft
  • Maximum Overdraft Amount: up to one monthly salary
  • Deposit or down payment: 0%
  • Repayment period: up to 36 months
  • Ability to refinance existing loans, overdrafts and credit card debts

Nominal interest rate, fixed:

  • 17,25% P.A. with the transfer of monthly salary on the account in UniCredit Bank
  • 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.
Representative example
Overdraft amount NIR annual,  variable EIR annual Total amount of interest paid by the client whithin 36 months, if overdraft is used in full amount for all 36 months (interest is charged quarterly)
 Repayment period
RSD 50,000  17.25% 18,97% 26.530,40 RSD 36 months



EIR is calculated on 31.12.2024.

Costs:

  • Cost of bill of exchange 50 RSD
  • Cost of credit bureau 246 RSD

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, 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!

 

Find out more

Preconditions:

  • For pensioners: minimum 1 month in retirement, pension directed to an account in UniCredit Bank;
    The debtor's creditworthiness is determined depending on the amount of the debtor's monthly income and obligations;
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, fixed:

  • 17,50 % P.A. with the transfer of monthly pension on the account in UniCredit Bank
  • 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.
Representative example
Overdraft amount NIR annual,  fixed EIR annual Total amount of interest paid by the client whithin 36 months, if overdraft is used in full amount for all 36 months (interest is charged quarterly)
 Repayment period
RSD 30,000  17.50% 19,26% 26.910,59 RSD 36 months

 

EIR is calculated on 31.12.2024.

Costs:

  • Cost of bill of exchange 50 RSD
  • Cost of credit bureau 246 RSD

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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