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Information on retail overdraft

Overdraft is a credit line, which in most cases is linked to the individuals’ salary account and provides him the opportunity to make any and real time withdrawals from the current account of a debit amount equal to one up to five monthly salaries as per the approved limit.

Each individual must apply at his own branch and sign an agreement to become eligible to make use of such financial facility.

Advantages

  • Helps individuals to cover the needs for different payments or purchases that exceed their monthly income.
  • Enables liquidation of unexpected and short-term expenses

 

Overdrafts are settled automatically when the account is credited. Credins Bank also offers overdraft payments based on fixed instalments. Overdraft is a short-term financial facility of no more than one year term.

For more customised information, see you in our branch!


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Gjej Degën

Banka Credins