USD
GBP
CHF
Up to 3,000 €
Users of the transaction account of Lovćen banka through which they receive regular income (salary / pension / lease), are provided with a certain amount of money that they can use according to their own needs, up to the amount of the approved limit until a certain deadline.
The allowed overdraft on the account is approved in the amount of up to 2 monthly regular salaries, to a maximum of € 5,000 in accordance with the creditworthiness of an individual client.
- Quick and easy access to cash at ATMs in the country and abroad
- Possibility of obtaining the allowed overdraft based on other income
Terms and conditions
Regular receipts on the transaction account with Lovćen banka.
Maximum amount of up to 2 monthly salaries (maximum € 5,000 in accordance with the creditworthiness of an individual client).
Check the possibility of using a higher amount of the allowed overdraft than the one currently available to you at the nearest Lovćen banka branch.
Prices
Interest rate fixed at 19.50% per annum.
Most frequently asked questions
*
Contracting
I currently have a salary of EUR 800, and I was approved EUR 1,600 of allowed overdraft. Can I increase the amount of overdraft on transaction account?
It is possible to request a larger amount of the allowed overdraft in the nearest branch of Lovćen banka. The approval is granted if the conditions prescribed by the Bank's internal procedures are fulfilled.
Usage
Can I be allowed an overdraft based on income I earn from renting out real estate?
Approval of the limit is possible under certain conditions and documentation prescribed by the Bank's internal procedures.
How is the interest on the allowed overdraft calculated and charged?
A fixed interest is calculated daily on the amount of the used allowed overdraft, and it is charged at the end of each month.
Documents
As for documentation, clients must submit:
- certificate of employment
- Salary/pension attachment certified by the employer.