Credit in account
With the credit in account facility you can overdraw your account up to the amount granted in the credit agreement, without the additional collateral. Each inflow of money renews the granted credit that allows you to overdraw your account within the total amount permitted (revolving credit). Interest rate is variable. Interest is calculated monthly.
Overdrafts up to and including PLN 3,000 are granted without the requirement of spouse’s consent.
Who can be granted a credit in account
Every holder of a Nordea account.
You can receive an overdraft facility if you are the holder of an account opened through the Internet.
Amount of credit in account
- four-fold of the declared regular monthly inflows to the account – provided that there have been regular inflows for at least 3 last months
- six-fold of the declared regular monthly inflows to the account – for users of a mortgage facility, provided that there have been regular inflows for at least 3 last months
- ceiling amount: PLN 50,000
Presentation of the history of a savings-and-transaction-type account held with another bank means that you can get an overdraft for up to 4- or 6-fold of the inflows to such account on the opening of a Nordea account.
Overdraft facility step by step
If you hold a Nordea account with activated electronic access, you can now obtain an overdraft facility through the Internet. You just have to log on to the electronic banking system and fill in the application form for the overdraft facility.
Term
- For up to 12 months without the possibility of automatic extension for another period if the applicant:
- derives income under a contract of employment for limited time
- derives income from disability pension for limited time
- received postponement of the obligatory military service
- 12 months with the possibility of automatic extension for another period of 12 months in all other cases,
Interest rate
| Standard/ Bronze Customer |
Silver Customer | Gold Customer | Check-in Package |
| 12,50% | 12,25% | 12,00% | 12,00% |
Tariff
| Transaction | Tariff |
| 1. Preparatory fee | 1,5%min. PLN 40 |
| 2. Extending the credit - from the amount of extended credit in account | 1,5%min. PLN 40 |
| 3. Increasing the amount of credit in account (from the difference between present and increased amount) | 1,5%min. PLN 40 |
| 4. Decreasing the amount of credit in account | 1,5%min. PLN 40 |
| 5. Changes in the terms of the agreement - for the borrower application (except renewing, incresing or decreasing the credit) - from the amount of granted credit | 1,5%min. PLN 100 |
Bank accepts incomes from:
- work
- annuity,
- pension,
- standing orders from accounts in other banks,
- from current account in the Bank or other banks,
- own payments.
To get credit in account
- fill in an application for credit in account and state the amount of credit that you would like to get
- show the employment certificate or statement about your income
- sign the credit agreement