Revolving credit
- credit intended for holders of a personal account to finance current needs
- the amount of credit is determined individually based on the duration of account ownership and the amount of deposits to the personal account
- the maximum credit amount cannot exceed PLN 50,000
- the credit granted for a period of 12 months is automatically renewed without the need to sign a new contract
- any repayment of part or all of the credit causes it to be renewed by the repaid part and can be used multiple times during the validity period of the credit agreement
- during the duration of the credit agreement, there is a possibility of increasing or decreasing the amount of the granted credit
Useful information
The actual annual interest rate (APR) is 23.44%.
Total loan amount (without financed costs): PLN 1,780.00, total amount to be paid PLN 2,158.10, fixed interest rate 14.50% per annum. Total cost of the loan PLN 378.10 (including: fee for granting the loan: PLN 0.00, fee for maintaining the EKO - Settlement savings account PLN 120.00, interest: PLN 258.10), loan period 12 months, throughout the period the credit limit is fully utilized, repayment of interest in the amount of PLN 21.51 monthly, and principal in a lump sum at the end of the loan period in the amount of PLN 1,780.00. The calculation was made as of May 14, 2026, based on a representative example, assuming that you will not incur a card fee for the account, as you will make 5 transactions per month with the card.