When you know about overdrafts,
all you plans are easier to make
Get additional money on your current account and plan your end-of-year holiday expenses.
Advantages 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, subject to certified proof of your income
- 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
- Automatic renewal for customers who initially have this option contracted
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.
- The extension of the allowed overdraft is automatic if it is initially so agreed. When approving a new allowed minus, the amount is determined in the same way as during the first approval.
- The Bank reserves the right to make a decision on overdraft approval, as well as to request additional documents and guarantees.
- 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.
Documents required for online overdraft application
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