Sberbank: overdraft for individuals

1. Overdraft - what is it?
2. In numbers:
3. How to arrange an overdraft in Sberbank?
4. How to disable overdraft on Sberbank card?
5. How to use overdraft Sberbank?

The difference between a credit card and a debit card is obvious, and rarely causes questions from users, unlike overdraft cards. What is an overdraft in Sberbank and how to use it - we will tell you more in this article.

Overdraft - what is it?

In simple words - Sberbank gives the opportunity to "go into the negative." The client is allocated a small limit, to which you can lower the card balance with obligatory repayment to the next salary.

Overdraft is a product for payroll customers who have worked in an organization for at least 3-6 months. The available overdraft limit depends on the salary - usually it is about 10% for employees and up to 20% for managers.

In numbers:

• Workers approve the "minus" to 4-5 thousand,
• The authorities increase the limit - up to 10-15 thousand.
• The maximum overdraft amount is 30 thousand rubles.

In each case, the limit is individual! The Bank takes into account credit history, financial burden, income stability and other factors.

Overdraft is not a loan! The debt will not be written off in equal shares - it will be paid off entirely from the nearest transfer of wages. But - for the period of use of actually borrowed funds, the client is obliged to pay interest calculated from the rate of 18% per annum.

How to arrange an overdraft in Sberbank?

The overdraft service is interesting for those customers who do not plan to borrow money from the bank for a long time, do not want to be tempted by large credit card limits, but sometimes feel the need for a small loan to paycheck. A debit card with Sberbank overdraft is just the case when you can “intercept” money for a month under a loan at 1.5% overpayment per month.

The service is really attractive and many ask - Sberbank overdraft how to connect via Sberbank Online ? Why is there no such service on the bank website? Because it is not a mass offer. Most often, the management of the organization for payroll services receives such an individual offer as to connect the overdraft to the Sberbank salary card of employees. In this case, the employees are notified of the available opportunities and the payroll manager of the project helps to fill in the questionnaires.

An ordinary user of a bank card (not less than a classic one) can also ask for an overdraft, providing the bank with proof of its solvency - a certificate of income, bank statements.

How to disable overdraft on Sberbank card?

If the service has ceased to be of interest to you, you simply write an application to the office that issued the card for overdraft disconnection. Since a separate account was not opened for the “credit”, it will be disconnected quickly without any difficulties.

How to use overdraft Sberbank?

No special action is required to use overdraft. You use the card as usual, as a debit card - within the available limit. The debt is automatically replenished by replenishing the card.

In Sberbank, overdraft for legal entities is more common - for example, when an entrepreneur pays a purchase and knows that he can repay a small “difference” in just a couple of days - he does not need a loan. He uses the money of the bank, covering the debt in the short term. The same is available to individuals, but - in more modest volumes.

Related articles: