Overdraft with cash collateral

Intended for customers using the Bank’s savings products, who can get revolving credit if they pledge a deposit or part thereof as collateral.

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Up to 90% of the deposit



Loan term

1 year


  • Transparent pricing – fixed interest rate composed of the deposit interest rate at the time of conclusion of the consumer credit contract plus a 2.5 p.p surcharge.

  • Loan with no application fee.

  • Loan with no early repayment fee.

  • Sale of a simple product – no sales of packages of additional services involving additional monthly expenses.

  • Revolving credit option.

  • Clearly defined components of credit APR.


  • The credit applicant must be a legally capable local individual aged 18 or over.

  • The credit applicant must have a history of regular payments on their existing loans.

How to apply

At a bank branch

Discuss the transaction with one of our consultants. Complete a credit application form and prepare the required documents.

Online enquiry

Complete the online enquiry form and one of our consultants will get back to you.

  • Identity document

  • Credit application in the Bank’s standard form.

  • Contract for deposit(s) pledged as collateral for the loan.

  • Declaration of relationship in the Bank’s standard form.