Allowed Overdraft on Accounts



Allowed overdraft is a type of a facility allowing clients to make multiple use of funds up to a credit limit, made available for clients in amounts exceeding their current balance. The allowed overdraft facility makes it possible for clients to reuse any funds repaid within an agreed period of time.
Any citizen of the Republic of Macedonia, employed under an indefinite or definite duration employment contract or a retired individual, receiving their salary/pension on a transaction account with UNIBank may be an overdraft user. You will receive the response to your application for allowed overdraft within only 1 working day, following the provision of the complete documentation required.  

The use of the allowed overdraft is simple - you may do so by using your single transaction account, on which you receive your monthly income and which may be used for all types of financial transactions, as well as by using the debit cards of the two leading brands - Maestro and Visa Electron, which are linked to the same account.


  • Up to 2 (two) monthly net salaries / up to 1 (one) monthly pensions received on an account with the Bank

Interest rate

  • Reference rate for treasury bills published by NBRM (for the period between 01.07.2019 – 31.12.2019 = 2.25%) + 8 p.p. 

Calculation method


Repayment period

12 months, with the possibility of extension.

Manner of use of funds

Via Maestrоand Visa Electron cards and any payment instruments approved and prescribed by the Bank, after securing the requested funds.


  • Overdraft Approval Agreement.
  • Consent for attachment of earnings.
  • Fixed-term employees must be employed in the current company for a continuous period of 6 months, in which case they are treated as indefinite-term employees. Otherwise, they can apply for overdraft with compulsory additional security from a guarantor (any able-bodied male or female from 18 to 62/18 to 64 years of age, respectively).

Response period

Within 1 business day from the time of submission of complete and duly filled-out documentation.

Application review and processing fee


Overdraft approval fee


Renegotiation of terms

300,00 MKD

This loan may be applied for by all those who:
1) are creditworthy employed individuals at the age of not less then 18 and not more than 64 for men and 62 for women, with the overdraft repayment period not exceeding the maximum age.
2) are retired individuals at the age not more than 75, with the overdraft repayment period not exceeding the maximum age.
3) receive their salary/pension at UNIBank.

  1. Full-time employment confirmation letter (UNIBank form)
  2. A salary confirmation letter (UNIBank form)