Authorised Overdraft

• Apply for Authorised Overdraft when opening your account
• Credit limit is set up based on a client’s individual assessment by the bank – in the amount from CZK 2,000 to 60,000 or even CZK 100,000 in exceptional cases
• Draw up to CZK 20,000 with G2 / G2.2 Student Accounts
• Use the loan funds for anything you need
• Authorised Overdraft is repaid automatically by any deposit or transfer credited to your account

• Short-term general purpose consumer loan available with your current account
• Specific credit limit will be communicated by your relationship manager
• Each payment increase your disposable balance that may be used again, as need
• Your account balance must be greater than or equal to zero at least once during the loan term (360 days)
• Once the loan is paid in full, you can use it for 360 days again

Apply for Authorised Overdraft when opening your account or anytime thereafter. The specific terms and conditions vary based on your current account type:

• You have a current account: You must be over the age of 18 years.
• You have a student account: We will need a study confirmation.

Documents to download:

Potvrzení o výši pracovního příjmu (formulář) (ZIP, 19,3 kB)

Vysvětlení pojmů používaných při informování o spotřebitelském úvěru, informace o možnosti odstoupení od smlouvy o spotřebitelském úvěru a o právu na předčasné splacení úvěru (PDF, 104 kB)

Všeobecné informace o spotřebitelském úvěru ve formě možnosti přečerpání – povolený debet (PDF, 202 kB)