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 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.

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