OTP Bank


Use your extra resources at any time, in the way that suits you best.


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


General conditions

  • Maximum amount: varies depending on the institution.
  • For public sector employees up to 3 net monthly salaries.
  • For private sector employees up to 2 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: interest is variable and 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 is required for OVD.

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


Documentation required

This product can only benefit customers who have a payday loan agreement through our bank.

  • Statement of income (from salary, rent, or both);
  • Identification Documents (ID or Passport);
  • Salary Agreement signed with the bank.

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