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OVERDRAFT: Solutions for more possibilities

It often happens that I see an irresistible offer to buy clothes, home furnishings, or subscribe to a fitness centre... And these offers don't come often, so I want to act right away and not miss them. 

For this, I always have an additional solution in my bank through the overdraft option...

By choosing the overdraft from Raiffesien Bank, I can withdraw additional money up to the limit of two net salaries. As long as I receive my salary at Raiffeisen Bank, through the overdraft I can withdraw additional money whenever I need it from the entire network of Raiffeisen Bank ATMs. Furthermore, the interest is calculated on a daily basis, and I only pay interest on the amount I have borrowed during the month.

Overdraft up to 2 monthly salaries

0% administrative expenses

lnterest only on the amount used


What are the options available to me with an overdraft?

  • The maximum overdraft is the sum of two net salaries.  
  • The loan has a term of two years, with the possibility of renewal.


What conditions do I have to meet to apply for an overdraft?

  • Be a resident of the Republic of Kosovo.
  • Receive the salary through Raiffeisen Bank or bring confirmation from the employer that my salary will be processed through Raiffeisen Bank.

What documents are required?

  • Personal identification document
  • Employment contract.

Apply online for Overdraft

Applying for Overdraft only takes a few minutes of your time. Once you fill out the form, your application will be reviewed by our team, and you will be contacted within a short period of time.

Information marked with * is required.
Terms and conditions Terms and conditions

By selecting the "Consent for CRK" button I expressly agree and in accordance with the Law on Personal Data Protection and Article 7.2 of the CBK Regulation on Credit Registration I give consent to Raiffeisen Bank Kosovo J.S.C based in Rr. Robert Doll no.99, Prishtina, with business registration number 70025959, for the purposes of processing, concluding, maintaining and amending the loan agreement to process and use my personal data, as well as to have access to reports of my loans in the Credit Registry. I give this consent electronically on the basis of free will and mutual interest and I will not deny it on any legal or factual basis. I am aware that giving this consent does not prejudge a positive response or imply the conclusion of the loan agreement.

Terms and conditions Terms and conditions

By pressing/clicking the "Continue" button, I explicitly agree and give my consent to the Bank, in accordance with Law No. 06/L-082 on Personal Data Protection...

By pressing/clicking the "Continue" button, I explicitly agree and give my consent to the Bank, in accordance with Law No. 06/L-082 on Personal Data Protection and the European Union Regulation 2016/679 (GDPR), to process my personal data mentioned above as well as any data that may become known later, to be exchanged and used by Raiffeisen Bank, members of the Raiffeisen Banking Group and companies contracted by Raiffeisen Bank, to process the submitted application and to contact me in writing, by telephone and/or via electronic mail at the address indicated above, in order to send me appropriate and personalized offers1 through the profiling process and/or notifications related to the products and services offered.
* I confirm that I am aware that I am not obliged to give my consent for direct marketing/profiling and I am aware that at any time I have the right to withdraw this consent and in that case my data will not be used for the above-mentioned purpose. I confirm that all the information provided above is true, complete and accurate, and I declare that I have voluntarily made my personal data available to the Bank.1Individual offers are designed specifically for you based on an understanding of your economic needs through a process called profiling. Profiling involves automated analysis of your personal data and other information. Based on such processing, we reach conclusions regarding your economic or financial needs, your financial responsibility and other characteristics that we analyze when creating such offers.

Why Raiffeisen Bank?

There are many reasons why Raiffeisen Bank is the right partner when choosing a credit card. These are the main advantages:

130 years of banking tradition

Raiffeisen Bank in Kosovo is part of Raiffeisen Bank International, carrying the same values as the parent company. Raiffeisen stands for security and stability.

The largest bank in Kosovo

Raiffeisen Bank is the biggest bank in Kosovo, based on all financial indicators. This is the result of the continuous trust of our clients and our commitment to providing the best services.

Innovation and support

We rely on continuous innovation to provide you with an easy and stress-free banking experience. With the largest branch network and advanced digital platforms, we are with you 24/7.