• Authorised Overdraft for Individuals

    This consumer loan allows you to overdraw your current account and address short-term shortage of money.

Constant reserve

Get a financial reserve that is always available.

Up to CZK 60,000

Loan amount from CZK 2,000 to 60,000.

360 days

You have almost a year to repay the loan.

Freedom

Use your overdraft anytime you need it.

Why KB?

Quick

Apply for your loan when opening a KB account.

No security

No security is required for this loan.

Anything

Loan funds may be used for any purpose.

How to get this product?

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

At a branch

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About Authorised Overdrafts for Individuals

  • Shor-term general purpose consumer loan (also referred to as an overdraft) for KB current account holders
  • Apply for your Authorised Overdraft when opening an account
  • Authorised Overdraft may be used up to a pre-agreed limit – set based on the bank’s individual assessment of the client – from CZK 2,000 up to CZK 60,000 or even CZK 100,000 in exceptional cases
  • Authorised Overdraft for G2 and G2.2 accounts may be used up to a pre-agreed limit of no more than CZK 20,000
  • To find out your specific Authorised Overdraft limit, contact your relationship manager
  • Authorised Overdraft may be used for any transaction
  • Authorised Overdraft is repaid automatically by any deposit or transfer credited to your current account
  • Each such transaction increases the disposable balance that may be used again if necessary
  • 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 for 360 days again

You might also like to know

  • Permanent and easily accessible financial reserves
  • Funds are available to you right away – simply withdraw money from your current account
  • General purpose loan without any required security

Important information for you

  • For Authorised Overdraft with student accounts, it is necessary to present current study confirmation
  • Authorised Overdraft must be fully repaid at least once during the loan term – i.e. your account balance must be greater than or equal to zero for at least a day

Example

Check out this model example for the product.

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