AMINA Bank AG 
AMINA UK 
AMINA Hong Kong 
AMINA EU Flexibility
Access funds as and when required, up to your approved limit, and repay whenever it suits your financial needs.
Get flexible access to additional funds with overdrafts
Manage short-term liquidity needs without the need for a separate loan application.
Why choose overdrafts with AMINA?
Pay interest only on what you use
Interest is charged only on the amount you draw, rather than the full overdraft limit.
Convenient short-term liquidity
Bridge temporary liquidity needs with quick access to funds, whether for investments, business expenses, or other short-term requirements.
Frequently asked questions.
An overdraft allows you to withdraw more funds than are currently available in your account, up to an approved limit, giving you access to additional liquidity when needed.
A loan provides a fixed amount that is repaid over a defined term. An overdraft offers ongoing access to funds up to an approved limit, and you only use, and pay interest on, the amount you draw.
An overdraft can help manage temporary funding needs, bridge short-term liquidity gaps, or provide access to funds while awaiting incoming payments or investments.
No. Interest is charged only on the amount you actually use, not on the total approved overdraft limit.
Yes. You can reduce or repay the amount used at your convenience, subject to the terms of your overdraft arrangement.
Want access to additional liquidity?
Speak with your Relationship Manager to discuss your overdraft limit and available funding options.
Notice for UK visitors
AMINA Bank AG (AMINA) is a Swiss bank, authorised and regulated by the Swiss Financial Market Supervisory Authority (FINMA). AMINA’s products and services are only licenced in Switzerland. They are not registered or approved outside of Switzerland. Your IP address indicates that you are attempting to access AMINA’s website from the UK. If you want to explore AMINA’s products and services that are available in the UK, you can do so by accessing AMINA’s UK specific website.
Please click “Continue” to do this. If you don’t want to continue to the UK version of AMINA’s website, please click on “Back”.
Cross-border Services Restrictions
AMINA Bank AG (AMINA) is a Swiss bank, authorized and regulated by the Swiss Financial Market Supervisory Authority (FINMA). AMINA’s products and services are only licensed in Switzerland. They are not registered or approved outside of Switzerland.
Any information on AMINA’s website (i) is not intended and should not be construed as an offer, solicitation or recommendation outside of Switzerland and (ii) may not be suitable or lawful in your jurisdiction.
You are welcome to explore AMINA’s website at your own initiative. Click ‘Continue’ if you are either (i) a resident of, or domiciled in, Switzerland, or (ii) are resident of, or domiciled outside of, Switzerland but would like to visit AMINA’s site on your own initiative.
If you fall under (ii) above, when choosing ‘Continue’, it is important to do this on your own initiative, as AMINA is not authorized to promote its products and services outside Switzerland. If you do not wish to visit the site, please click ‘Back’.
If you click ‘Continue’ to explore, please note that you:
1. are confirming you have read and understood the above;
2. are accessing AMINA’s website at your own initiative, without active promotion or solicitation from AMINA;
3. are responsible for ensuring access is lawful in your jurisdiction; and
4. understand that exploring the website does not create a client relationship.