Overdraft Today

For clients with high incomes and good education, the bank also offers higher overdraft limits.
Amount of BGN 5,000 to BGN 30,000
Interest rate of 9%
Period of 1 year with automatic renewal option
Collateral Guarantee

The annual percentage rate of charge is 11.37% if assuming that an overdraft of BGN 5,000 is utilized immediately and at once, the authorized term is 1 year and the repayment is to be made in 12 equal monthly instalments at a floating interest rate of 9%, including a one-off fee for the consideration of the application of BGN 20 and a monthly card account service fee of BGN 2.50. The interest rate comprises the base reference interest rate on mortgage loans (BRIRML) for the relevant currency + a margin. The total amount due is BGN 5,299.63 and the monthly instalment is BGN 437.26. See Methodology of CCB for determining TRIRML on overdrafts to natural persons.

·         Loan application as per the model of the Bank 180.07 KB Download

·         pdf Declaration of the employer 105.32 KB Download

·         pdf Reference of the guarantor 162.56 KB Download

Automatic payment of utility bills

In addition to free money on your current account, with the overdraft we offer you the option of automatic payment of your monthly bills for electricity, telephone, heating, etc. All you have to do is to declare your decision to use the Periodic Bills Subscription.