Let the Barclays Employee Salary Overdraft give you the peace of mind you need. We’ll put a credit limit on your salaried account so that you can draw extra funds when you need to.

Start my application

How it works

Hand with a plus sign - icon
What you get
  • Borrow from GHS500 – GHS20,000*
  • Revolving credit facility with minimum repayment period of 12 months
  • Flexibility to overdraw up to an agreed limit
  • Ability to cover cheques which would otherwise bounce
  • Overdraft limit is available for a year and repaid on a monthly basis
  • After a year, the limit is refreshed and becomes available for re-use
  • Fixed interest rate
  • Easy approval
  • Instant access to your money
  • No waiting periods
  • Hassle-free application processes and quick approval times
  • Advanced support for you to manage your loan more easily
  • Credit life insurance cover against death and permanent disability is available

*Terms and conditions apply

hand with question mark - icon
What you need to know 
  • You must be at least 18 years old to apply
  • This credit facility is open to salaried workers
  • Employee Salary Overdraft is available if you’ve had a salaried account with Barclays for at least six months
  • We will need confirmation that you’re permanently employed
hand with tick Icon
What to bring when you apply
  • National ID card (or passport for non-Ghanaians)
  • Completed overdraft application form
  • Latest payslip
  • Bank statements for six months (for New-to-Bank)

Need more help?


Tel: +233 (30) 2429150
Toll free: 0800 222333



Ask an expert