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Introduction > Bank services > Loans > Overdraft


Arrange an overdraft facility and add a financial reserve to your personal account. Thanks to an overdraft facility you can overdraw your account any time you need. You are free to use the borrowed money any way you see fit.

You can add a financial reserve for anything! You can also choose from a three rates.

Advantages of an overdraft facility

  • Use funds anytime you need them
  • You are free to use the funds as you see fit
  • Only pay interest on the funds you borrow
  • We can provide you from 200 to EUR 110,000 or 5 000 up to CZK 3,000,000
  • With a current or business account

Select the best rate

Do you need to borrow money for an extended period of time or only once in a while during the year? Select a rate just for you:

Choose Rate 1 if you need to use the overdraft facility for an extended period of time. There is a higher fee for arranging and restoring the facility but the actual funds are subject to the lowest possible interest rate.

If you will only use the overdraft once in a while then Rate 2 is the best for you. The amount you use is subject to a slightly higher interest rate but arranging and restoring the overdraft is subject to a much lower fee.

Are you looking for an overdraft but don't plan on using often or ever? Then select Rate 3. There are no fees for arranging or restoring the overdraft and you can even get an interest discount!

Overdraft interest rates in EUR

year ratecharge for
Tarif 19,50 %4,00 %10
Tarif 215,50 %1,00 %10
Tarif 318,90 %0,00 %0

Overdraft interest rates in CZK

year ratecharge for
Tarif 18,30 %4,00 %100
Tarif 214,30 %1,00 %100
Tarif 318,90 %0,00 %0

Discount without obstructions

We'll provide you with a discount on Rate 3 without obstructions! We'll lower your interest rate by 2 % if you comply with your overdraft facility agreement after the first year of its use. We'll lower your interest rate by another 2 % if you continue to comply with the conditions of the agreement in the next year. In total we can lower your interest rate by up to 4 % automatically and without any unnecessary obstructions!


How to get an overdraft facility

If you already have a Fio current or business account to which you regularly receive income (e.g. sales, salary, a pension, etc.) you can request an overdraft facility at any branch or online in Internetbanking (New Product).

We'll review your request in a matter of days and then inform you of the results. You will then sign the overdraft facility agreement at any branch.

1. Open an account with Fio banka - in person at a branch or online.

2. Print out the income confirmation form and have your employer complete the form for the previous three months.

3. Come to any branch with the completed form and request an overdraft facility. 

Once we have reviewed your request we will contact you with our offer. You will then sign the overdraft facility agreement at any branch.

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We'll establish an overdraft facility for you


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