Overdraft

Unexpected expenses?
We’ve got you

Be prepared for life’s unexpected costs with UBA overdraft financing.

UBA overdraft as a financial safety net, just in case you need it

Our Overdraft on current account can act as a helping hand to deal with the unexpected costs. When your payroll is transferred to UBA current account, we offer you additional funds at your disposal up to three salaries.

General terms – Overdraft 3 salaries

  • Main condition: Regular monthly income, over current account
  • Currency: LEKË, EURO
  • Maximum amount: Up to three (3) monthly salaries per employee
  • Approval time: At the request of the client, overdraft will be available within 24 hours
  • Overdraft extension: The product will be used as a limit of overdraft for the first 2 years, then it will be converted in a financing line with monthly instalment or need to be settled after the first 2 years. The repayment method will be chosen by the customer after the first 2 years
  • Who can benefit: Every customer who receives the salary at UBA’s current account

General terms – Overdraft 1 salary

  • Main condition: Regular monthly income, over current account
  • Currency: LEKË, EURO
  • Maximum amount: Up to one (1) monthly salary per employee
  • Approval time: At the request of the client, overdraft will be available within 24 hours
  • Overdraft extension: The bank will automatically approve a new overdraft after 12 months, under regular account inflow
  • Who can benefit: Every customer who receives the salary at UBA’s current account
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Why you should apply

  • You can apply up to 3 salaries limit
  • Easy accessibility for your funds
  • The limit can be approved in LEK/EUR/USD
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Why you will love this

  • Fast disbursement in your account
  • You need only your ID to apply
  • Competitive profit rate
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Who can apply

  • Anyone over 21 years old
  • You should take your salary through our bank

Online application

Make an online application to see if you are eligible for financing!

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An Overdraft is a form of a short-term financing depending on your creditworthiness.

Every customer that takes the salary through UBA Bank is eligible to apply for an Overdraft.

– It is perfect when you need a short-term financing
– Competitive and simple profit rate
– It is flexible and you can request to increase, decrease or cancel it at any time.

Up to three (3) monthly salaries per employee.

At the request of the client, Overdraft will be available within 24 hours.

* The bank finances the customer’s needs for the payment of the products against a document that proves the purpose of the financing.