An overdraft lets you borrow through your current account. It’s
intended mainly for short term costs or emergencies and isn’t
generally suitable for longer-term borrowing. There is a cost
associated with using an overdraft. The way you manage your
overdraft, for example if you don’t repay your fees and charges
regularly, may affect your credit file. This could make it harder
or more expensive to get credit with us or other providers in the
Overdrafts depend on your circumstances and you must repay any
overdraft when we ask in line with our General Terms and
Conditions. We may ask you to repay all or part of your overdraft
at any time but we'll try to notify you of this in advance.
An arranged overdraft is when we let you borrow up to a pre-agreed limit you can ask for
one when you open your account or at any other time.
An unarranged overdraft occurs when your account goes overdrawn without an arranged
overdraft in place or if your account goes over your arranged
When you try to make a payment that would take you into an
unarranged overdraft, we make the decision whether to allow or
reject the payment based on your individual circumstances and you
may incur a fee.
Am I eligible? How much will it cost?
Is the eligibility checker right for me?
Already completed the eligibility checker? You can retrieve your
The table below shows how you’ll be charged for using your
Arranged overdraft fee
1 a dayBelow 2,000
2 a day2,000 to 2,999.99
3 a day3,000 and over
Unarranged overdraft fee