Overdraft

This type of loan is for long-term clients that have a current account, usually with a payment card, at Fio banka.

Interest rates for overdrafts are significantly better than the regular charges for overdrawing an account (negative balance). An overdraft is provided for a current account after a client's application has been reviewed.

  • A client must have a trouble-free and active history at Fio banka (active = regular credits to the account)
  • Applications are usually placed after three months of active account use
  • The longer a client is with the bank and the higher the turnover on the account the larger loan can be provided
  • We can provide you with up to EUR 110,000
  • A client can use these funds for any purpose
  • Interest is charged daily on the drawn amounts

How much does an overdraft cost?

Three tariffs are available. Fees are composed of the origination fee and interest from the drawn loan amounts.

Overdraft EUR

Annual interest Delivery fee Min. delivery
Tariff 1 9,50 % 4,00 % 10
Tariff 2 15,50 % 1,00 % 10
Tariff 3 18,90 % 0,00 % 0

Overdraft CZK

Annual interest Delivery fee Min. delivery
Tariff 1 8,30 % 4,00 % 100
Tariff 2 14,30 % 1,00 % 100
Tariff 3 18,90 % 0,00 % 0

Podnikatelský kontokorent

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Kontokorent v EUR

část úvěru do 10 000 EUR nad 10 000 EUR
Úroková sazba (p.a.) 9,90 % 7,90 %

Kontokorent v CZK

část úvěru do 300 000 CZK nad 300 000 CZK
Úroková sazba (p.a.) 9,90 % 7,90 %

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