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Personal Finance
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  1. Personal finance
  2. Loans
  3. Personal overdraft

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 details

Benefits of Personal overdraft

  • Easy to arrange online

You can request Personal overdraft in your mobile or online banking account 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.

Documents

Návrh smlouvy o povoleném debetu na běžném účtuNávrh na uzavření smlouvy o službě Bezúročná rezervaFormulář pro standardní informace o Spotřebitelském úvěruPoučení o zpracování osobních údajů