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 effective annual percentage rate (APR) is 23.34%.
Total loan amount (excluding loan-related costs): PLN 1,800.00, total amount payable PLN 2,181.00, fixed interest rate 14.50% per annum. Total loan cost PLN 381.00 (including: loan origination fee: PLN 0.00, EKO-Rachunek savings and checking account fee PLN 120.00, interest: PLN 261.00), loan term: 12 months, the credit limit is fully utilized throughout the term, interest repayment is PLN 21.75 per month, and a one-time repayment of principal at the end of the loan period of PLN 1,800.00. The calculation was made as of May 14, 2026, using a representative example, assuming that you will not incur a card fee for your account because you make 5 transactions with the card per month.