Overdraft "Standarts"

“STANDARD IS NOT A LIMIT—IT’S A STARTING POINT.”

GET A “STANDARD” OVERDRAFT FROM CENTRAL COOPERATIVE BANK AND FREE UP SPACE FOR IMPORTANT DECISIONS!

With the international debit cards Debit MasterCard and Visa Debit from CCB, you can use the "Standard" overdraft on your payment account

Your overdraft comes with free “Accident” insurance.

Important clarification! Upon the dual indication of the amounts in accordance with the Law on the Introduction of the Euro in the Republic of Bulgaria, the Bank presents the amounts in Euros with their respective indication in Levs, using the distinctive symbol (BGN). The indication in Euros and Levs has been made, using the official exchange rate 1 EUR = 1.95583 BGN.

  • Maximum amount up to EUR 6 000 but no more than four net salaries
  • Interest rate from 7.07% to 11%
  • Period 1 year

ELIGIBILITY CONDITIONS

  • iconYou are employed under a permanent contract
  • iconYou have at least six months of continuous employment in your current position
  • iconYou have received at least one salary in a an account at CCB

For loans in EUR

The Annual Percentage Rate (APR) amounts 10.27%, if it is assumed that the overdraft in the amount of  EUR 1 000 is utilized immediately and in full, it is noted for a period of 1 year and is repaid in 12 equal monthly installments at a floating interest rate of 7.07% and a monthly account servicing fee of EUR 1.30 for a card payment account. The interest rate is based on the basic reference interest rate for consumer loans (ORLP Pk) for the relevant currency + interest rate margin. The total amount payable is EUR 1 054.32. Please refer to the methodology of CCB for determining ORLP Pk on overdrafts of individuals.

For loans in BGN

The Annual Percentage Rate (APR) amounts 10.27%, if it is assumed that the overdraft in the amount of  BGN 2 000 is utilized immediately and in full, it is noted for a period of 1 year and is repaid in 12 equal monthly installments at a floating interest rate of 7.07% and a monthly account servicing fee of BGN 2.54 for a card payment account. The interest rate is based on the basic reference interest rate for consumer loans (ORLP Pk) for the relevant currency + interest rate margin. The total amount payable is BGN 2 107.88. Please refer to the methodology of CCB for determining ORLP Pk on overdrafts of individuals.

For additional information, please call:

*5050 (Call charges are based on the tariffs and policies of the customer’s mobile operator. Calls to a short number may not be included in the free minute package for which CCB cannot be held responsible)

02/9266 500, or visit any branch of Central Cooperative Bank.

Automatic payment of utility bills
In addition to free money on your current account, with the overdraft we offer you the option of automatic payment of your monthly bills for electricity, telephone, heating, etc. All you have to do is to declare your decision to use the Periodic Bills Subscription.

Free Accident Insurance
Together with the overdraft, you also receive free Accident Insurance in your favour. The period of the insurance is equal to the period of the overdraft contract.

The amount of your insurance is determined by the amount of the overdraft:

Overdraft amount Insurance amount
From EUR 50 to EUR 250 EUR 250
Over EUR 250 to EUR 500 EUR 500
Over EUR 500 to EUR 750 EUR 750
Over EUR 750 EUR 1 000