Overdraft

Additional costs? Additional funds.

Quick and easy access to additional funds when needed

Fixed annual interest rate
NKS 15% ( EKS of 16.08% ).
36 months
Maximum repayment period.
Up to the amount of monthly salary
Maximum up to 850,000 RSD.
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You can meet unexpected situations prepared

An overdraft facility linked to your current account gives you quick and easy access to additional funds when you need them. Activate the overdraft in the Aik mBanking application (for amounts up to 600,000 RSD) or in a branch (for amounts up to 850,000 RSD). The overdraft is valid for up to 36 months, in an amount up to your monthly salary.

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Representative example

Representative example for an overdraft (branch)

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Representative example of an overdraft on an AikBank current account
Loan type Overdraft
Loan currency RSD
Loan amount in RSD 50,000.00
Loan indexing method No indexing criteria
Nominal interest rate per annum (NKS, fixed) 15%
Repayment period in months 36
The effective interest rate indicates the total cost of the loan (EIR)* 16.35%
All costs/fees that are borne by the user and are included in the EKS calculation Bill of exchange - 50 RSD
Credit bureau report - 246 RSD
Security measures Bill of exchange
Total cost of the loan in RSD (amount of interest, fees and costs) 22,796.06 RSD
The total amount that the user pays on the basis of the loan agreement in RSD (principal, interest, fees and costs) 72,796.06 RSD

*EKS calculated on January 26, 2026. year

Representative example for an overdraft (online)

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Representative example of an overdraft on an AikBank current account
Loan type Overdraft
Loan currency RSD
Loan amount in RSD 50,000.00
Loan indexing method No indexing criteria
Nominal interest rate per annum (NKS, fixed) 15%
Repayment period in months 36
The effective interest rate indicates the total cost of the loan (EIR)* 16.30%
All costs/fees that are borne by the user and are included in the EKS calculation Credit bureau report - 246 RSD
Total cost of the loan in RSD (amount of interest, fees and costs) 22,746.06 RSD
The total amount that the user pays on the basis of the loan agreement in RSD (principal, interest, fees and costs) 72,746.06 RSD

*EKS calculated on January 26, 2026. year
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