Széchenyi Card Overdraft

A state-subsidized facility to finance your daily expenses without collateral

Széchenyi Card Overdraft

Intended for enterprises seeking to secure an emergency credit line to 

  • leverage unexpected business opportunities and

  • fend off unforeseen and temporary financial worries (clients paying late, unexpected one-time expenses)

Key features of the loan:

Product feature Value



Maximum credit line:

HUF 25 million


maximum 1+1 year

Interest rate:

1-month BUBOR + 0% 

Interest payment:

Quarterly, based on calendar year

Terms of eligibility:

  • Maximum credit line cannot exceed 25 percent of your company’s annual net sales (30 percent for Széchenyi Overdrafts, Széchenyi Card loans and other debit cards).

  • Your business must comply with the terms stipulated in Act XXXIV of 2004 on Small and Medium-Sized Enterprises.

  • Your business profile cannot be gambling and betting activities (NACE R92), crop and animal production, hunting and related service activities (NACE A1), forestry and logging (NACE A2), fishing and aquaculture (NACE A3), mining of coal and lignite (NACE B5) or extraction of peat (NACE B8.9.2).

  • Your company cannot have tax arrears or overdue debt from any credit/loan or bank guarantee agreement, and must meet the criteria set forth in the Terms and Conditions of Garantiqa Hitelgarancia Zrt.

  • Collateral: Unconditional guarantee of the private individual owner of the business, 80% institutional suretyship by Garantiqa Hitelgarancia Zrt.

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