Overdraft on EDC (Electronic Debit Card)

When you take your salary in fibank, use the maximum!

Overdraft on Electronic Debit Card is an approved limit for a client to go on debit balance in the salary current account which has a debit card attached and gives you the advantage to:

  • Use a lending product without a fixed repayment plan
  • Use a debit card to pay in shops and on-line
  • Withdraw funds from a FIBANK ATM without commission 

If you use the overdraft on Electronic Debit Card, you benefit:

  • Security and independence - you have access to funds up to 4 net salaries at all times
  • Effectiveness - The interest that you have to pay is calculated only over the used amount
  • Flexibility - The usage and repayment are entirely up to you - access the funds by using an ATM or POS and be independent from the working hours of the branch
  • Fast evaluation and approval - limit equal to one salary is pre-approved without any additional requirements

Parameters of the product:

Maximum Limit
  • One net salary is pre-approved
  • Up to four net salaries
Maximum tenure
  •  12 months, two months before maturity date it revolves if both parties agree
Annual Interest rate
  • ALL: 12.90% 
  • EUR: 12.90%
  • Overdraft regime
Management commission
  • 2.00% 
Precontractual Information


You can apply for this product if:

  • You are employed
  • You receive your salary in your account in FIBANK

If you cover the points above and would like to apply for an overdraft on Electronic Debit Card in FIBANK, it is necessary to:

  1. To fulfill an application form in one of the branches of FIBANK and to submit the required documents
  2. In case of approval of the application form - to sign the overdraft agreement

Personal documents of the applicant:

  • Copy of the ID card or the passport
  • Address verification (certificate of address registration; or " OSHSE "/"Albtelekom" passbooks; last month invoice or property certificate)
  • In case of other exposures - contracts with the other banks, institutions etc.

Terms and Conditions (Tariff) of First Investment Bank

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