Overdraft

Contract an overdraft for your euro Current Account at no approval fee. You can use the additional funds when and how you like, and the interest is charged only for the used overdraft amount.

Contract at branch

Automated Extension

After the first agreement is made, an overdraft facility is renewed for a 6-month term automatically.

Interests

Interests are calculated only for the used overdraft amount, not for the total amount granted.

Simple

No additional steps after approval - the overdraft amount is available in your account immediately.

Terms & Conditions

up to 13.500 EUR

100% - 300% of regular monthly inflows

6,85% (EIR 7,13%)

annual, fixed

free of charge

How to Get an Overdraft?

Besides having citizenship of and residence in the Republic of Croatia, to contract an overdraft you need to be receiving your regular monthly income (salary, pension or disability allowance) to an RBA Current Account.
To apply for an overdraft, visit us at any RBA branch nearest to you.
After contracting an overdraft, it is activated after the first regular income payment to the relevant Current Account.

What Documents are Required for Approval?

Realization of an overdraft for a Current Account requires:

An identification document – your personal ID card or passport
An RBA Current Account application or request for overdraft approval

If necessary, the Bank may request further documentation to assess creditworthiness, employment status and regular income amount.

Schedule a meeting

Information marked with * is required.

Full Name

Date of Birth

E-mail

Phone

FAQ

Find answers to the most frequently asked questions.

Creditworthiness is assessed according to the internal acts of the Bank on the basis of your average income and existing debt. Existing debt includes any amounts of your financial liabilities such as other loans in repayment, approved overdraft limits for Current Account or for credit card limits, and liabilities in your capacity as a co-debtor, guarantor, etc.

You can settle a part of or the total amount of your overdraft at any time free of charge.

Fixed interest rate is calculated on the overdraft amount. Interest is charged monthly, by debiting the Current Account.

Overdraft is approved without any security instruments. If assessed as necessary, the Bank can request that a debenture be agreed.

Before the expiry of the agreed period of use, the Bank will check your payment discipline in business relationship with the Bank and other financial institutions, your creditworthiness, and review the overdraft amount in accordance with the approved percentage and the regular income amount received in the Current Account. The new overdraft amount can be equal, higher or lower than the previous one. The Bank can also terminate the overdraft facility if you do not comply with the stipulated conditions for automated extension.

Information on the overdraft expiry term is available to you at any time in the mojaRBA app, at our RBA branches or on the Current Account Statement.

Relevant information and notifications in connection with the overdraft will be available to you by way of the Current Account Statement, which is delivered in the manner agreed with you.

Request for overdraft increase can be submitted at any RBA branch. If you fulfill all prescribed conditions, the request for the new overdraft amount will be evident in the
available balance of your Current Account. Every overdraft model change isconsidered a new overdraft.

If the request for overdraft increase is not approved, you will continue to use the previously approved overdraft.

If you are using the right to maternity/pregnancy leave, pregnancy-related leave or nursing leave for children with developmental disabilities, you can contract an overdraft. Creditworthiness as well as overdraft amount are calculated based on the income you have received before using the above rights.