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Overdraft Retail

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Overdraft Retail is the temporary use of credit made available to well reputable clients to help them meet emergency needs of their operations when facing a short – term liquidity problem. All Albanian residents with a minimum 1 year relationship with the bank are eligible for the product.

 

Advantages

  • A quick way to have more cash in your account available anytime, anywhere
  • No interest is charged if the Overdraft line is not used.

Product Terms

  • Available in LEK/ EUR/ USD
  • Limits: LEK 30,000- 1,000,000; EUR 300-10,000; USD 300-10,000
  • Linked to the customer current account; the current account should be linked with a debit card
  • Tenor 1 year; renewable if customer has shown satisfactory credit history
  • Granted to Albanian resident only
  • Minimum 1 year relationship with the bank.
  • Interest is calculated and liquidated on monthly basis (at the End-Of-Month); a penalty will be calculated on overdue amounts.

For the Interest Rates, please refer to the Terms and Conditions.

 

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