Allowed account overdraft
The fastest solution when you need extra money
100% online procedure
The approved amount is available on the account in 15 minutes, without going to the branch.
Fixed interest rate
It is calculated on the used part of the allowed excess, only for the days of use.
No maximum age limit
The request can be submitted by permanent and fixed-term employees and pensioners, and the minimum age limit is 18 years at the time of submitting the request.
Permanent and fixed-term employees
If you are employed for an indefinite or fixed time, you need to be at least 18 years old at the time of submitting the request for the permitted overtime, a minimum monthly salary of RSD 27,000, with a minimum of 3 months of total work experience and the last 3 months with the current employer. It is necessary that you receive earnings through one of the payment account packages at Banca Intesa: Payment account package with basic services, Intesa Hit, Intesa Hit Plus or Intesa Magnifica and that you do not have a recorded delay in the Credit Bureau report. There is no maximum age limit for applying.
Pensioners
If you are a pensioner, you must have a minimum monthly pension in the amount of 27,000 dinars, receive your pension through one of the payment account packages at Banca Intesa: Payment account package with basic services, Intesa Hit, Intesa Hit Plus or Intesa Magnifica and do not have a registered delay in the Credit Bureau report. There is no maximum age limit for applying.
Granted for a period of 36 months
Every 12 months the Bank performs an annual audit of the current accounts inflow and on that occasion the allowed overdraft is revoked if one of the following conditions is met:
- if the average monthly inflow from salary/pension for the previous 12 months is lower than the approved overdraft for a minimum 35%
- if the client had no inflow from salary/pension in the past two months
