Card facilities
Overdraft
shopping_1An overdraft on your debit card account is a loan facility, allowing you to exceed repeatedly your account balance up to a preliminary approved credit limit. After a repayment (fully or partially) and during the maturity term you can utilize again your credit limit. An overdraft facility can be disbursed to the Bank’s clients, who have a valid debit card issued by the Bank. An individual approach is applied  to financial status estimation to overdraft applicants.


Collateral

The overdraft could be collateralized by:

A pledge on salary or other payment;

A pledge on deposit or state securities;

A suretyship;

A mortgage;


Overdraft limit

up to two net salaries or one pension;

up to 90% of the value of a real estate;

up to 90% of a pledged deposit/securities;


Term

up to 12 months in case of suretyship;

up to 60 months in case of mortgage;

up to 84 months in case of pledged deposit/securities.


Interest rates

EUR 14,25 %

BGN 15,25 %

USD 13,75 %


Fees

According to the Bank's Tariff.

Notification to customers of the Bank for amendments to the individual loan contracts (in Bulgarian only)