The personal current account Overdraft represents an optimal solution for overcoming the current needs for financial resources. You can use these funds at any time, within the agreed limit, without previous notice.
Interest is paid only for days and amount in use, which allows maximum control over costs based on interest for a given product.
The personal current account Overdraft can be approved for individuals permanently employed, or pensioners with current account for receiving salaries or pensions through our Bank.
If the customer isn’t permanently employed at least one year in continuity and at least six months at same company, overdraft will be approved after the customer received three net salaries/pensions on the current account by our Bank.
| Maximum overdraft amount | To the amount of net earnings |
| Term for overdraft | Up to 24 months |
| Nominal interest rate | 24% annualy, fixed |
| Effective interest rate as of 16.01.2019. | 25,40% annualy |
| Loan security | One accepted blank bill of exchange of the client |
| Early repayment | The Bank does not charge a fee for premature repayment of Overdraft. If the client wants to execute the allowed minus per current account, he/she is obliged to settle the debt on the account in full with the corresponding interest. |
| Other costs | Basic report from the Credit Bureau - RSD 246 Bill of exchange - RSD 50 Monthly maintenance of payroll current account - RSD 120 |
| Representative example | |
| Overdraft amount | RSD 50.000 |
| Period of use | 24 months |
| Total interest | RSD 26.880 |
| The total amount that a customer has to pay | RSD 80.056 |
Detailed offer for other loan amounts can be obtained at all Expobank JSC Belgrade branches.