OTP Bank


Use your extra resources at all times, in the way that suits you best.


  • A much higher than your monthly salary which you can use at any time
  • Competitive interest rates
  • Quick approval
  • Automatic renewal
  • Open line anytime you need.

*The Bank reserves the right to request additional documents if it is necessary.


  • Maximum amount: varies depending on the institution
  • For public and private sector employees up to 3 net monthly salaries
  • Deadline: 12 months, with the right to renew.
  • Currency: the overdraft currency is the same currency as the client's salary.
  • Interest Rate: The interest rate is variable and is based on the Retail Credit Bulletin.
  • Repayment method: the principal can be paid at any time; interest is paid on a quarterly basis.
  • Penalties: in case of delays in the payment of OVD, the bank applies a delay penalty, based on the Working Conditions in force.
  • Early Payment: the bank accepts partial or total payments before the loan matures. No additional commissions apply.
  • Collateral: no collateral or co-borrower required for OVD.

For more information please download here the standardized pre-contractual documentation for Overdraft on pay.

Apply now by following the steps below: