Personal Overdraft Facility

„I have a regular income that is paid directly into my account at different times. A personal overdraft facility is ideal in this case.“

If the balance in your account is positive it costs you nothing

With a personal overdraft facility, you have a permanent financial reserve that is part of your account and allows you to have a negative balance on your account. If the balance in your account is positive it will cost you nothing.

Payments will be made from your account on time

Regular payments and repayments won’t wait! With the personal overdraft facility, you can rest assured that the payments will be made on time even if you don’t have sufficient funds in your account before payday. It’s better to be have a negative balance in your account than to be late with your payments!

It repays itself

With each incoming payment, the amount drawn down from the personal overdraft facility is reduced. You don’t have to worry about repayments. It’s enough to have a positive balance in your account just once a year.

How much will a personal overdraft facility cost you?

Tip: If you have a debt of for example CZK 5 000 for a period of 5 days, you pay only CZK 13.13 in interest.

What you should know about the personal overdraft facility

  • A limit ranging from CZK 1 000 to CZK 100 000 can be arranged.
  • You can arrange the overdraft facility when you set up your account.
  • You pay interest only on the amount drawn down.
  • The drawn amount is reduced automatically with each incoming payment.
  • You can use the overdraft facility again whenever the balance on your account is zero.
  • You make no regular repayments.

How to arrange


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By telephone

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At a branch

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Set the overdraft limit to your maximum regular income. As soon as your pay arrives, the balance in your account will be positive and the overdraft will be paid off.

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Frequently asked questions

Important documents