Overdraft - Retail|Societe Generale Serbia

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Overdraft

You are unexpectedly and temporarily left without available funds in your current account, but still haven’t received your salary? Do not bother with unnecessary borrowing until the first day of the month - a quick loan in the form of overdraft can be a solution for you.

Advantages and features of overdraft

In addition to being available both at branches and online, overdraft has numerous advantages.

  • Think ahead and arrange insurance in a few steps. In the event of unforeseen life circumstances, the insurance company will repay your outstanding overdraft balance.

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Things you should know:
  • Extending the overdraft is not automatic unless originally contracted as such. During the approval of new overdraft, the amount is determined in the same way as for the first approval.
  • The Bank reserves the right to make a decision on overdraft approval, as well as to request additional documents and guarantees.

Online approval of overdraft without going to the bank!

You can complete the entire process more easily and quickly via our e-banking – from submission of application to current account overdraft approval for the period up to 12 months and, most importantly, without going to the bank. With the help of Certificate for Electronic Signature the entire process is completed from home. If you do not have the Certificate, don’t worry. At the end of the process choose whether to sign the documents at the branch or to have them delivered to your home address by our courier.

How to apply for overdraft online in a few steps:
  • Login the Societe Generale e-banking application and choose the field “Online branch”. Within it, find the filed “Current account overdraft”.
  • Enter the amount of your salary as specified in the proof of income, along with the desired amount of overdraft, duration and other information in fields listed as mandatory.
  • If, for any reason, the offer does not suit your needs, you can go back any time and change the amount of overdraft.
  • Then, attach the documents required for overdraft approval.
  • Finally, choose the way of signing the final documents for overdraft approval: with the help of  Certificate for Electronic Signature – simply and on the spot, by having the documents delivered to your home address or by going to the branch.
  • Shortly after signing the documents, the money will be in your current account.

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Documents required for online overdraft application
Photocopy of ID card or chip-enabled ID card reading
Certified proof of income
Certified statement on salary transfer
Statement of income tax paid and PPDG-5 copy for taxpayers on the basis of personal income tax (if you are a taxpayer)

Instruction for online approval

We have prepared for you a detailed explanation that will guide you through simple process of overdraft approval via our online branch.

Read the instruction

E-banking, the bank only a click away!

All daily transactions are available at your computer without necessity of leaving your home or dealing with unnecessary paperwork. Not only will you pay bills without fee and exchange money at a more favorable exchange rate 24/7, but we’ll grant you overdraft and cash loan online and simply.

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