Bank Overdrafts
Most banks offer an automatic credit limit called the "Überziehungskredit", which is an additional amount of money that can be drawn from a current account when it is in debit. It is also referred to as "Dispositonskredit" or "Dispo" for short, and is normally related to your monthly income and the amount of savings you have. It enables you to temporarily increase cash flow by allowing you to spend more than you have in your current account (called "das Konto überziehen" in German). However, you have to pay back not just the amount overdrawn but interest on this amount.
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