VTB Bank offers overdraft loans on current accounts in Russian rubles in the event that the client requires funds but has a zero balance on its accounts. Overdraft loans are extended for 12 months.
The overdraft limit is set at no more than 50% of the average monthly credit turnover from the primary operating activity of the client or the group's affiliated companies.
The overdraft is extended without security, but a surety is required. The list of required guarantees is compiled when considering the client's application. The guarantees should extend to the entire amount of the client's liabilities.