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Sometimes, you may have to pay some unexpected expenses and the money in your current account may not be enough to cover them. For example, a home appliance stops working. You can use the overdraft to cover these unexpected expenses.
You can use your bankcard to make payments, transfer money or withdraw cash to the extent of the overdraft amount.
An application may be submitted online, in the Internet bank or at the nearest branch.
After the application has been received, a bank employee will make contact to agree a suitable method for concluding an agreement.
See Coop Pank's price list.
Interest on the credit limit drawn down has to be paid monthly. Interest is calculated daily on the amount of the overdraft facility in use.
Repayments on an overdraft facility may be made at the time and in the amount of one’s choice. Within the amount repaid, the credit limit may be drawn down again. On the expiry date of the agreement, the entire overdraft facility amount in use has to be repaid.
The provisional annual percentage rate of charge is 25.9% on the following sample terms: credit limit €500, term 2 years, agreement fee €15, fixed interest 18% per annum on the limit drawn down, total amount paid by the consumer €629 and total amount of repayments of €599.
The rate has been calculated on the assumption that the credit limit will be used immediately and in full.