When you know that your overdraft works for you

Secure additional funds on your current account quickly and easily. An overdraft is useful in case of unexpected or unplanned expenses, and when used responsibly, it can be your flexible financial solution.

Benefits and features of overdraft

In addition to being available both at branches and online, overdraft has numerous advantages.

Submission of application is very quick and easy
You shall specify for yourself the way of using overdraft and the repayment dynamics for overdraft amount used
You shall have a complete control over the costs, as the interest on overdraft is paid only for the days when you used it, and only in the amount you have spent
Overdraft is approved in RSD for the period up to 12 months
Overdraft is approved in the amount of average salary for the last three months
Bill of exchange is used as collateral, but if you own the Certificate for Electronic Signature and complete the entire process online, bill of exchange will not even be needed.
Overdraft insurance
1
Automatic renewal for customers who initially have this option contracted
Bez naknade za obradu zahteva, naknade za izveštaj KB-a i bez troškova za menice
Fixed nominal interest rate of 17,45%
2
EKS na godišnjem nivou 18,92%

Think ahead and arrange insurance in a few steps. In the event of unforeseen life circumstances, the insurance company will repay your outstanding overdraft balance.
Kamatne stope su prikazane na godišnjem nivou za proporcionalni metod obračuna, što za konformni metod obračuna odgovara nominalnoj kamatnoj stopi od 18,92%

Online approval of overdraft without going to the bank!

You can complete the entire process more easily and quickly via our e-bank – from submission of an application to current account overdraft approval for the period up to 12 months and, most importantly, without going to the bank. With the help of Certificate for Electronic Signature the entire process is completed from home. If you do not have the Certificate, don’t worry. At the end of the process choose whether to sign the documents at the branch or to have them delivered to your home address by our courier.

Login our e-bank application and choose the field “Online branch”. Within it, find the filed “Current account overdraft”.
Enter the amount of your salary as specified in the proof of income, along with the desired amount of overdraft, duration and other information in fields listed as mandatory.
If, for any reason, the offer does not suit your needs, you can go back any time and change the amount of overdraft.
Then, attach the documents required for overdraft approval.
Finally, choose the way of signing the final documents for overdraft approval: with the help of Certificate for Electronic Signature – simply and on the spot, by having the documents delivered to your home address or by going to the branch.
Shortly after signing the documents, the money will be in your current account.

It’s important to know that borrowing money comes at a cost.

Documents required for online overdraft application

List of required documents for an authorized overdraft for individuals.
List of documentation for DB OVD.
Certificate of employment and income

E-bank, the bank only a click away!

All daily transactions are available at your computer without necessity of leaving your home or dealing with unnecessary paperwork. Not only will you exchange money 24/7, but we’ll grant you overdraft and cash loan online and simply.

E-bank