Salary Overdraft

Your contingency plan, which you have access to at any time through your salary card

Up to 400 000 MDL,

or a maximum of 3 net salaries

24 months duration

with renewal options

You only reimburse monthly

the interest on the amount used

If you are faced with an unforeseen situation or simply need a reserve of money that you can rely on up to salary, overdraft is the right solution.

Authorized account overdraft is a credit that is attached to your salary card, through which you can receive up to 3 net salaries directly into the account. The salary overdraft does not have a declared destination and respectively, the expenses do not have to be justified, and you pay the interest only for the amount used.

Your advantages

  • Maximum amount financed: 50 000 MDL or maximum 3 net salaries
  • Duration: coincides with the expiration date of the card
  • Advantageous interest
  • Zero file analysis commission
  • The interest is calculated only for the amounts used
  • Automatic debt settlement, when the salary is transferred to the account
  • Without justification of expenses
  • No pledge or guarantors

Eligibility criteria

You are eligible for an overdraft if you meet the following conditions:

  • You are a citizen of the Republic of Moldova
  • You have a residence visa in the Republic of Moldova
  • You are an employee of a company, which has concluded a Salary Project agreement with the Bank
  • You have at least 4 months of activity with the current employer and a fixed-term employment contract

Accepted income

  • Salary income

Required documents