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Overdraft

When you go shopping or when you need cash, CardFinans Nakit is always by your side

What is the 'Overdraft'?

Overdraft is a limit specified for you and for your cash needs. It brings you the comfort to withdraw cash or money in installments and to shop even if your account balance is zero.

How to Apply for Overdraft?

What are the Advantages of Overdraft?

  • It eliminates the need to apply for loan and go through loan procedures for your cash needs. *
  • With Overdraft, you will not need to worry about interest rates, and meet your needs by paying appropriate commissions with maturities as long as 10 months.
  • At anywhere with a Maestro/Cirrus and Electron/Plus logo, you can use your Overdraft with your CardFinans Nakit card to shop, within your limit, in advance or installments even if your account balance is zero.

* Our bank reserves its right to demand additional document or guarantee following the investigation.

If you do not want to use your Overdraft limit for shopping, you can call +90 850 222 0 900 to demand that your Overdraft be invalid for shopping.

Details of Installment Use of Overdraft

  • No separate limit is allocated for installment use. Installment amount cannot exceed the percentage of your Overdraft limit specified by the bank. Installment feature may only be used upon the demand of the account owner. *
  • The amount of installment use is 200 TL in minimum and 10,000 TL in maximum.
  • The amount used may be paid back in 4, 5 or 10 installments.
  • When the installment feature is used, payment details are delivered to our clients as receipt provided from ATMs and as document provided from our branches.
  • If you wish, you can see your payment details on the Internet or dial the call center to demand your payment details via e-mail or fax.
  • Installment amounts should be paid on specified dates. Overdraft interest for installment use does not apply if such amounts are paid on specified dates.
  • In case the installments are not paid on time, Overdraft interest applies on the basis of unpaid installment amount.
  • On monthly basis, a 15% resource utilization support fund and a 5% banking and insurance transaction tax are collected over the commission amounts.
  • Installment feature of Overdraft may be used even if your account balance is positive.
  • Installment feature can be used via ATMs, Call Centers, Branches or the Internet.

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