CKB overdraft for pensioners

  • up to EUR 500
  • for all pensioners without limitation in the years

Product description

In its promotion action Crnogorska Komercijalna Banka AD Podgorica approves overdraft loan in amount to EUR 500 to all pensioners under very favorable interest rate. All pensioners, who have active transaction account in CKB, can apply for CKB overdraft loan. Repayment of overdraft loan is done by automatism from transaction account of Loan Beneficiary – in the moment of inflow of regular or extraordinary income. CKB overdraft loan for pensioners is approved for the period of 12 months with the possibility of automatic renewal.

Conditions of approval

  • Net monthly salary/pension of the client has to be minimum EUR 90;
  • Net monthly salary of the loan beneficiary has to be twice bigger than all monthly obligations under loans in all banks,
  • To receive pension minimum 3 months via CKB account.

Required documentation for submitting the application

  • Application form for CKB overdraft loan
  • A copy of ID card or passport (for non-residents, it is necessary to copy a passport page showing approval for temporary stay issued by the Ministry of Internal Affairs of Montenegro)
  • Administrative wage/salary withholding order (optional);
  • Bill of exchange and authorization to the bill of exchange subsequently – as precondition for overdraft activation;
In addition to the stated documentation, the Bank reserves the right to request the client to provide additional documentation, if deemed necessary.


More details about the product clients can get by visiting the nearest CKB branch or by calling the CKB Call Centre at 19894. All necessary documents for applying for this loan are available at all CKB counters, as well as on our website.