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Tacitly contracted overdraft is a short-term general purpose limit approved for current accounts held by individuals in order to use additional funds in everyday transactions.
It is approved in the in the maximum amount of a five regular monthly income*.
Benefits
Quick and easy way to get cash at ATMs in Croatia and abroad
The possibility of the approval of higher amount based on other income (at the request)
*The maximum amount depending on the average regular income is defined in accordance with the Bank's internal rules.
Conditions
Regular income in the current account.
The maximum amount of allowed contracted overdraft: up to 7.000 EUR)
To check if your allowed overdraft can increase, please visit the nearest branch.
Prices
Annual fixed interest rate 5,45 %.
Arrangement
Yes, you can. Please submit an application in one of the Bank's branches, with your personal banker or via on-line banking (m-zaba), who will process your application based on the submitted documents and a previous verification of all requirements.
Use
It is possible to request approval of the contracted overdraft after one paid regular income/salary at the nearest branch or through online banking (m-zaba). The approval is carried out in accordance with your creditworthiness and conditions for approval as assessed by the Bank.
One of the conditions for the reduction of overdraft is the reduction of monthly income per current account in an observed period. The Bank will notify the client about the reduction in a timely manner, and the client may contact the Bank in order to regulate the new overdraft in accordance with the application and requirements.
Persons using maternity leave/sick leave before birth, parental leave or sick leave due to illness of a child have the right to use the limit for instalment payments in the same amount as the limit which was approved before the change of their income and until the expiry of the current contracted limit (submitting a request in one of the Bank's branches is required).
A fixed interest rate is applied daily to the amount of spent contracted overdraft, in accordance with the Decision on Interest Rates, and it is charged quarterly (1 January, 1 April, 1 July, 1 October) by debiting of the current account in HRK.
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