General Conditions – Overdraft 3 salaries

• Maximum Amount: Up to three (3) monthly salaries for employees
• Term: 12 months
• Currency: ALL, EUR, USD
• No disbursement fee
• Annual Profit Rate: ALL: 15%, EUR: 11%, USD: 11%
• Approval Time: Fast approval within 24 hours
• Overdraft Renewal: Automatic renewal
• Repayment Method: Principal can be paid at any time; profit is paid monthly
• Penalties: In case of delays in OVD payment, the bank applies a late penalty based on product conditions
• Early Repayment: The bank accepts partial or full payments before overdraft maturity. No additional fees apply
• Collateral: No collateral or co-borrower required for OVD

Required Documentation

• Valid identification document (ID or passport)
• Salary confirmation from employment company with all necessary details
• Account statement if the client has been receiving salary at UBA for less than 3 months