Revolving credit
- credit designated for holders of a personal account to finance current needs
- the amount of credit is determined individually based on the period of account ownership and the amount of deposits in the personal account
- the maximum loan amount cannot exceed 50,000 PLN
- the credit granted for a period of 12 months is automatically renewed without the need to sign a new agreement
- each repayment of part or all of the credit causes it to renew by the repaid part and can be used multiple times during the validity period of the credit agreement
- during the term of the credit agreement, there is the possibility of increasing or decreasing the amount of the granted credit
Useful information
The actual annual percentage rate (APR) is 18.03%.
Representative example: The total loan amount (without financed costs) in EKO-Account of 2,000.00 PLN, with a fixed interest rate of 15.60% over a period of 12 months. The agreement is concluded for a credit period of 12 months, assuming that during the entire credit period the granted credit limit will be fully utilized, interest payable on the last day of each month, with a one-off repayment of capital at the end of the credit period. There are no fees for granting credit in the checking account available for customers who do not have and have not had a credit in the checking account with our Bank in the 6 months prior to submitting the application. The total cost of the loan is 333.84 PLN, consisting of: interest of 312.00 PLN and insurance of 21.84 PLN, assuming the conditions for free maintenance of EKO-Account are met. The total amount to be paid is 2,333.84 PLN.
The calculation was made on March 17, 2025, on a representative example.