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Overdraft

Retail banking     Overdraft

Overdraft

Overdraft is the fastest and easiest solution to overcome current or periodical lack of money on your account.

Advantages of overdraft:

  • You can define dynamic of spending and repayment
  • Application is very fast and simple
  • Interest is calculated only for days when overdraft was used and on used amount. That allows maximal control of interest expense.
  • Maturity of overdraft is 12 months and it can be automatically renewed up to 36 months.

Required documents for overdraft application:

  • ID card
  • Certified statement of income - download here
  • Certified statement of salary transfer - download here
  • Account statement (if you did not receive your salary on account in Societe Generale bank before you applied for overdraft)

* The Bank reserves the right to make a decision about overdraft approval and require additional documentation

Overdraft characteristic:

  • Overdraft limit is determined in accordance with average income for past three months
  • Maturity from 12 to 36 months
  • Collateral: Bill of exchange(not needed if you apply for overdraft online and you own qualified certificate for electronic signature so you can finis entire process online)

ONLINE OVERDRAFT APPROVAL!

From now on you can finish the whole process of overdraft approval for 12 months period without going to the bank. You can apply for online overdraft 3 mounts after salary transfer to account in Societe Generale bank.
You can finish entire process online if you own qualified certificate for electronic signature, or without certificate at the end of process you can chose between signing the documents in your branch or documents can be delivered to your home address by our courier.

How to apply for overdraft online in a few steps:

  1. After you login e-banking choose “Online branch” and under this option choose “Overdraft”
  2. Enter your salary from certified statement, overdraft amount, maturity and all necessary information. After that you can see the preview of documents.
  3. If you the offer is not suitable for you, change overdraft amount until you define requirements that best suits your needs.
  4. After that you need to upload documentation necessary for online overdraft approval
  5. Choose the way of signing the documents. You can finish entire process online if you own qualified certificate for electronic signature, or without certificate at the end of process you can chose between signing the documents in your branch or documents can be delivered to your home address by our courier.
  6. Soon after signing the documents overdraft will be on your account.

Required documents for online overdraft application:

  • Copy of your ID card
  • Certified statement of income - download here
  • Certified statement of salary transfer - download here
  • Statement of income tax payment and copy of PPDG-5 for personal income taxpayer (if you are a taxpayer)

* The Bank reserves the right to make a decision about overdraft approval and require additional documentation.

INSTRUCTION FOR ONLINE APPLYING APPLY FOR OVERDRAFT ON E-BANKING

VIDEO CALL

Our team in online branch is offering additional help through live video call for all e-banking users who need help with applying for overdraft online. You can make a video call every day of the week, from Monday to Friday from 8 am till 10 pm, and on Saturday and Sunday from 10 am till 7 pm.

For additional information you can see the instruction or contact us on free number 0800 111 555 or make an appointment with your personal banker.

Remark:

Overdraft renewal is not automatic unless this has been agreed. Amount of overdraft renewal is defined the same way as the initial overdraft.

For all additional information contact your personal banker or contact our service center on 011 30 11 555 on working days from 9 am till 7 pm and on Saturday from 10 am till 2 pm. Technical support is available on working days from 9 am till 5 pm.

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