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Introduction > Banking Services > Loans > Business overdraft

Business overdraft

Get a financial reserve for your business. You can spend it any time, on anything and repeatedly.

The base interest rate starts at 15 % for CZK and 12 % for EUR. If repayment is problem free, your rate decreases each year up to 10.5 % for CZK and 7 % for EUR overdrafts.

Advantageous segmented interest rate - the basic interest rate for a portion of the loan over CZK 300 000 is 13 %, with a possibility to decrease the interest up to 8.5 %. For a portion of the loan over EUR 10 000 is 10 %, with a possibility to decrease the interest up to 5 %.

Business overdraft is completely free of charge and is made available to both new and existing clients.

Business overdraft is intended for natural persons - entrepreneurs and legal entities.  
We offer our clients a personal overdraft, at three different rates.

Advantages of a business overdraft

  • Establishment and management of the loan is free of charge
  • You get the money whenever you need it
  • You can use it for any purpose
  • When repaid properly the interest rate starts at 10.5 % for CZK and 7 % for EUR,
  • Part of the loan over CZK 300 000 with interest from 8.5 % and for the part over EUR 10 000 from 5 %
  • You pay the interest only from the borrowed amount
  • You can borrow from CZK 5 000 to CZK 6 000 000
  • Loans from EUR 200 to 220 000 also available
  • For a business account

Discount for proper repayment

For problem free fulfilment of the overdraft agreement, we will reduce your interest rate up to a maximum of 4,5 % for CZK overdrafts and up to 5 % for EUR overdrafts. You can therefore get to the interest rate of 10.5 % for CZK and 7 % for EUR. For a part of the loan over CZK 300 000 / EUR 10 000 you can even get 2 % lower interest rate.

The discount on the interest rate can also be obtained by clients who already have an overdraft at Fio banka for at least one year.


Overdraft interest rates in CZK

loan part up to 300 000 CZKover 300 000 CZK
Annual interest15,00 %13,00 %

Overdraft interest rates in EUR

loan part up to 10 000 EURover 10 000 EUR
Annual interest12,00 %10,00 %

How to get our business overdraft

If you have a Fio business account with regular deposits (earnings), you can apply for a business overdraft at any branch. As soon as we review your request, we will inform you of the result.

If your application is approved, you will need to sign an overdraft loan agreement.

If you are applying for an overdraft as a natural person (entrepreneur) or as a legal entity, you will need to sign the loan agreement exclusively at a branch. In case of legal entities, the overdraft agreement must be co-signed by a natural person.

More information


We'll establish an overdraft facility for you


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