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Personal overdraft
A financial reserve for peace of mind. You never know when you might need it.
Easy creation of a cash reserve of up to CZK 150,000
You can use the allowed overdraft whenever you don't have enough cash in your account.
You never pay anything for a 1,000 CZK reserve
Is a 1,000 CZK reserve enough for you? Use the interest-free reserve, for which you pay no interest.
Free overdraft set-up and maintenance
Within the AKTIVNÍ Account and EXKLUZIVNÍ Account.
Product benefits
- Easy to arrange online
You can request Personal overdraft in your mobile or internet banking or at a branch.
Financial reserve of up to CZK 150,000
- When you apply for overdraft, you can decide how much reserve you need.
- Is CZK 1,000 enough? Arrange an interest-free reserve that you never pay for.
- Need more? Use our Personal overdraft from CZK 5,000 to CZK 150,000.
The financial reserve can be used in any way
You can withdraw cash or pay with a debit or credit card.
You don't pay anything if you don't use the overdraft
- With CHYTRÝ Account, you only pay for Personal overdraft if you use it.
- With AKTIVNÍ Account and EXKLUZIVNÍ Account, using the overdraft is included.
- You pay interest on the amount you use until you fully pay it off.
Maturity 1 year
From the date of first use.