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OVERDRAFT

Overdraft on current account is granted or renewed if the client meets the following conditions:

  • Regular monthly inflow of salary and other personal income to account held with the Bank.
  • Client has a positive balance on the current account on the date of overdraft approval or renewal.
  • Client pays his/her obligations towards the Bank in a timely manner.
  • Client's creditworthiness is assessed by the Bank as positive - Credit bureau report.

If you wish to conclude an Agreement on overdraft on current account or renew the expired overdraft, and if you are employed, you need to submit a signed and certified Certificate of employment and amount of income, and Decision on attachment on salary in two copies.

  • Certificate of employment and amount of income (only for employed persons).
  • Decision on attachment on salary in two copies.
Overdraft amount and term
  • Overdraft on current account is approved for a period of 3 to 24 months.
  • Overdraft amount is determined in the amount of 1 to a maximum of 1.5 average monthly inflow in the last three months in relation to the day of overdraft approval.
Overdraft fees
  • Annual overdraft administration fee
    - RSD 350 for pensioners;
    - RSD 600 for other clients.
  • Credit Bureau report fee in the amount of RSD 246
  • Promissory note cost in the amount of RSD 50.

Interest on the used amount of overdraft calculated by the Bank is determined in accordance with the Bank's interest rates.

Representative example of overdraft for pensioners
Overdraft amount
RSD 50,000
Overdraft term
24 months
Total amount of interest
RSD 29,890.89
Interest rate
fixed 29.85%
Effective interest rate
(annually)
35.99%
Total amount
RSD 79,882.35
Annual overdraft administration fee
RSD 350
Credit Bureau report fee
RSD 246
Promissory note cost
RSD 50

Calculation was made on 17 March 2022

Representative example of overdraft for other clients
Overdraft amount
RSD 50,000
Overdraft term
24 months
Total amount of interest
RSD 29,849.95
Interest rate
fixed 29.85%
Effective interest rate
(annually)
36.70%
Total amount
RSD 79,849.95
Annual overdraft administration fee
RSD 600
Credit Bureau report fee
RSD 246
Promissory note cost
RSD 50

Calculation was made on 17 February 2022

Useful documents

Decision on attachment on salary
Certificate of employment and amount of income
Fee Schedule

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Postal Savings Bank

Postal Savings Bank,
Joint Stock Company, Belgrade
3, Kraljice Marije Street, 11120 Belgrade
Republic of Serbia

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