Overdraft facilities

Do you ever spend more than your account "allows"?
Do you sometimes need to borrow relatively large amounts to tide you over?
We recommend our popular overdraft facility.

  • it carries a relatively low rate of interest, and is conveniently secured with your salary transfers or your time deposit
  • when you open an account, you automatically become eligible to apply for credit, and, after the credit line has been approved, your overdraft limit is automatically adjusted - in line with your credit rating - at regular intervals by the Bank without your being charged a credit appraisal fee
  • it can be used at will, as following the conculsion of the overdraft agreement, you can use the credit limit without having to make any additional requests or loan applications, regardless of whether you are making a purchase, withdrawing cash with your card, or making a transfer from your account
  • it can be repaid simply and conveniently, since the overdraft is "replenished" automatically from the transfers arriving into your Retail Current Account
  • it is a form of revolving credit, which means that the amount of the credit line that is repaid can be used again and again within the validity period of the overdraft

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If you have any questions, you can contact us by e-mail at information@otpbank.hu!

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