Bank Overdraft

Take the opportunity to get a financial reserve whenever you need it.

A bank overdraft is an immediate reserve on your account which is available at any time; it allows you to overcome sudden financial needs. Taking out a bank overdraft within your account is free of charge and entails no further obligations. It depends on you whether you decide to use the bank overdraft.



  • Immediately after opening a current account (clients are subject to an approval process in the bank)
  • The possibility of cash and non-cash drawdown


TIP! When opening a current account and taking out a bank overdraft with an START account, you will get bank overdraft free of charge.

Representative example:

You will have an authorized overdraft of EUR 30 in the START Account as soon as your first salary or incoming payment of at least EUR 200 is credited to your account. The interest rate is 14% p. a. The one-time loan fee is EUR 0. The loan management fee is 0 EUR / month. The fee for maintaining the START Account is 0 EUR / month. If the monthly payment limit of at least EUR 400 is not met, the account will be charged. RPMN is 14.93% p. a. The total amount due is EUR 31.05.

The permitted overdraft is agreed for an indefinite period.
A representative example is calculated assuming that the duration of the permitted overdraft is 3 months.

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