Bank Overdraft

Take the opportunity to get a financial reserve whenever you need it. Do you have a bank overdraft in another bank? Transfer it to our bank.

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.

If you have bank overdraft/s from other providers, transfer them to our bank. We will keep the existing amount of your limit up to EUR 6,000 and will not ask for any proof of income or a guarantor from you.



  • 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 a U Konto account, you will get bank overdraft free of charge.

Representative example:

Permitted overdraft for U account is 30 EUR. Interest rate 14% p.a. Loan fee 0 EUR. Account management fee 0 EUR/month. The amount of the monthly payment is 10.23 EUR. RPMN 14.65% p.a. The total amount to be reimbursed is EUR 30.69.

The permitted overdraft on the account is negotiated for an indefinite period. A representative example is calculated assuming a loan duration of 3 months.

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