Unexpected expenses will
not take you by surprise

Up to CZK 60,000

Use the money for anything

No fees or interest when the authorised overdraft is not used

Authorised Overdraft of up to CZK 20,000 for students


  • You need money for a short period of time and do not want to get a loan

  • You prefer to have an approved credit limit and possibility to borrow money

  • You do not want to open a special account for your loan

  • You are a student and expect large expenses



At a branch

Select a branch, leave your contact information – we will call you back.

By phone

Leave it all up to us. Leave your contact information – we will call you back.



  • 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.

Good to have

MůjÚčet Plus
Account for everyone with authorized overdraft up to CZK 60,000.
  • Cash withdrawals from KB ATM free of charge
  • 2 Cash withdrawal from ATM of other domestic banks monthly free of charge
MojePojištění plateb
Accident insurance that covers your regular outgoings
  • We will pay instead of you up to CZK 100,000 monthly
  • Up to CZK 100,000 in the event of death
Merlin Payment Card Insurance
Payment card insurance against unauthorized use in case of loss or theft
  • Merlin also covers keys, mobile phones, and wallets plus contents
  • Merlin offers worldwide insurance coverage