Optional overdraftTB
The free optional overdraft allows you to use any financial reserve in your account with the Account for blue planetTB anytime you need it.
Automatically, free of charge
Interest only on the amount drawn
Adjustable amount of limit
No guarantor needed
Benefits
Don't let anything surprise you! Avoid unexpected situations with an always available financial reserve of up to 5 000 EUR:
- you can get your first 95 EUR starting reserve automatically after you meet the criteria set by your bank.
- there are no additional fees for setting up and using the service, optional overdraft is part of your Account for blue planetTB service package.
- You can easily change your preferred limit amount via Internet bankingTB, DIALOG Live, the Tatra banka mobile application or at any Tatra banka branch.
- Optional overdraftTB can be obtained if you are a natural person from the age of 18 and you do not need any additional security or guarantor to provide.
Conditions to get this financial reserve
You can use the Optional overdraftTB and the financial reserve if:
- you are a natural person over the age of 18,
- you have an account with the Account for blue planetTB service package,
- no other type of overdraft is linked to your account,
- you have a regular income for at least 6 months and meet the criteria set by your bank.
Frequently asked questions
If you have multiple current accounts with Tatra banka, the optional overdraft service and the financial reserve can only be active with one of them.
Interest is payable on the last calendar day of the month, you can always see the amount of paid interest in your account movements. You can check the amount of paid interest via the Tatra banka mobile application, Internet bankingTB or DIALOG Live.
Interest is paid on the funds actually drawn and for the period of their actual drawing.
You can always find the interest rate in the Interest rates tab in the Interest rates for loan products section.
Leave your telephone number and we will contact you
https://www.tatrabanka.sk/en/personal/account-payments/optional-overdraft/