Unsecured Overdraft Facility

Our Unsecured Overdraft Facility meets your financial needs more flexibly by allowing you to receive funds without using any assets as collateral.

Key Features

  • Interest is calculated on the overdrawn amount daily
  • The preferential annualised interest rate relieves your burden on repayment
  • A revolving credit line enhances repayment flexibility and allows for cash withdrawals at any time
  • You can withdraw cash conveniently through multiple channels, such as online banking, cheques , visiting our branches or ATM

Key Facts Statement

For details, please click here

Remarks: The above information is for reference only. Shanghai Commercial Bank Limited ("the Bank") may at its absolute discretion approve or reject any loan application. The Bank also reserves the right to vary the above offers and/or amend the related terms and conditions at any time without prior notice.

Reminders about Responsible Borrowing
  • You should have a clear understanding of your financial condition, daily expenses, and actual borrowing needs.
  • You should have assessed your repayment ability and avoid over-borrowing.
  • You should repay any outstanding balance on time to avoid late payment charges and additional overdue interest charged by the bank.
  • To borrow or not to borrow? Borrow only if you can repay!
In case you wish to enquire whether a third party is appointed by our Bank for referring credit card or loan application, please contact customer service hot line 2818 0282.
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