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Personal account overdraft

Are your monetary needs currently higher than usual? You can get help with an overdraft on your personal account. By providing an option of a balance overdraft on personal accounts, SKB allows clients to gain quick access to additional financial resources.


Best suited for

The overdraft is intended for clients who wish to gain quick and easy access to additional financial resources.


Advantages of personal account overdraft

  • an easy way to gain additional monetary funds;
  • payment of interest only for used monetary funds within the overdraft.

Features

SKB can approve a personal account owner with a regular overdraft or extraordinary overdraft.

  • Regular overdraft

Regular overdraft is allowed balance overdraft on a personal account, which the bank approves with the first regular inflow to a personal account.

The amount of regular overdraft depends on the type of personal account.

Type of personal account Regular overdraft
on a personal account
PAPI personal account 0 EUR
Personal account for youngsters 60 EUR
ISIC Personal account for student 100 EUR
Standard personal account 200 EUR
Pension personal account 200 EUR
Prestige personal account 3,500 EUR
Gold personal account 2,000 EUR
Basic personal account 0 EUR
Personal cash account 0 EUR
Personal account for non-residents 0 EUR
  • Extraordinary overdraft

On the basis of an Application for approval of extraordinary overdraft subsequently approved by the bank, regular overdraft can be replaced by an extraordinary overdraft if operations of the personal account owner are in accordance with General Terms and Conditions of Operations.

Extraordinary overdraft is an allowed balance overdraft on a personal account, which is higher than the regular overdraft amount.

Extraordinary overdraft can be acquired for a period of 12 months. After this period, the overdraft is renewed in accordance with the agreement on the allowed personal account balance overdraft.

Interest rate for balance overdraft on personal account

Interest rate for allowed balance overdraft on personal account is the same for both the regular and extraordinary overdraft. In case of a personal account balance overdraft which is not allowed, the bank charges a higher interest rate.

Costs for approval of allowed balance overdraft on personal account overdraft

Approval of regular overdraft is free of charge, costs of approval and renewal of extraordinary overdraft are charged according to the applicable SKB Price list for retail clients.


Required documents

How to acquire extraordinary overdraft?

  • Submit a written Application for approval of extraordinary overdraft or
  • submit the application electronically, via SKB NET.

Submitted application for approval of extraordinary overdraft does not mean that the extraordinary overdraft is approved.