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Dozvoljeni minus - interesuje me

I’m interested 

Overdraft

An overdraft is linked to your current account or payment card, giving you quick and easy access to additional funds without visiting the bank or incurring approval fees. It is granted for a period of 6 to 36 months, in an amount up to the three-month average of your salary or pension. If you wish to repay the used amount early, you can do so at any time, free of charge.

If you don’t yet have an account with AikBank, explore our offers and choose the package that best suits your needs: <a href='/en/retail-clients/accounts' target='_blank'>AikBank - Current Accounts</a>.

You Can’t Predict Unexpected Situations, But You Can Be Prepared

Dozvoljeno prekoračenje-interesuje me

• Fixed annual interest rate of 15% (EIR 16.36%)
• Maximum term up to 36 months
• Maximum allowed overdraft amount up to 850,000 RSD

No Need to Visit the Bank

No Additional Documentation

No Approval Fees

Quick and Easy Access to Additional Funds

<table><tbody><tr ><td colspan='2' align='center'><strong>Authorized Overdraft on a Current Account – Representative Example</strong></td></tr><tr><td>Authorized Overdraft Amount</td><td>50,000 RSD</td></tr><tr><td>Nominal Annual Interest Rate</td><td>15%, fixed</td></tr><tr><td>Overdraft Usage Period</td><td>36 months</td></tr><tr><td>Effective Interest Rate (EIR) as of 17.01.2025</td><td>16.36%</td></tr><tr><td>Additional Costs Borne by the User (Included in EIR Calculation)</td><td>Promissory Note – 50 RSD Credit Bureau Report – 246 RSD</td></tr><tr><td>Total Amount Payable by the Client (Principal, Interest, Fees)</td><td>72,795 RSD</td></tr></tbody></table>

<b>Additional Information:</b>
• Fixed annual interest rate: 15%
• Maximum overdraft amount: up to 850,000 RSD
• Maximum term: up to 36 months

Representative Example

Overdraft

You Can’t Predict Unexpected Situations, But You Can Be Prepared

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