An overdraft can help you solve short-term or temporary liquidity gaps in your account.




  • are the most flexible form of credit. You do not have to indicate the purpose of the loan or establish a repayment plan
  • are easy to obtain. You just need to have a ProCredit Bank current account where you can deposit your salary or pension
  • are approved and can be used for a period of up to 24 months after the first deposit of your income or pension into the account


Interest is calculated on a daily basis for the number of days that the credit is used and your account is charged monthly.

Clients receiving foreign salaries or pensions into a ProCredit Bank account may apply for an overdraft equivalent to one month’s salary/pension. The overdraft can be used as soon as you have received your first salary/pension installment. All you have to do is submit the necessary documents related to the salary/pension.

Promissory notes and promissory statements are accepted as collateral.

Overdrafts for non-residents are available in EUR, USD and CHF.