The challenging times we’re all experiencing means we’re getting a lot more calls than usual and our call times are longer. So we can support people in the most vulnerable situations, we ask that you only call us if your enquiry is urgent. You can still use our online and mobile banking services and our automated service.

Keeping on top of your overdraft interest

Use our Grace Period

If you do not have enough funds at the beginning of a day to make a payment:

  • You have until 2.30pm to pay money into your account to make the payment that day.
  • If a payment takes you overdrawn, you have until midnight to pay money into your account to avoid daily arranged overdraft interest for that day.

The money needs to be immediately available to use, so you could transfer money from another personal account you have with us via Internet Banking or Telephone Banking or pay in cash over the counter in branch.

If there are still not enough available funds, we will make a final try on the next working day before rejecting the payment. Details of our fees and charges can be found in the Banking Charges guide.

Mobile alerts

Manage your accounts and keep an eye on your balances with mobile alerts.

If we hold an up-to-date mobile number for you, we will send you alerts to help you keep track of your balance and let you know if you are nearing your overdraft limit.

You can find out more details on mobile alerts here.

Apply for an arranged overdraft

Have you already got a current account with us that offers an arranged overdraft?

Click the ‘Apply now’ button to sign into Internet Banking, then select ‘Overdrafts’ from the left hand ‘Our products and services’ panel, or alternatively from your bank account, select ‘More actions’ and then ‘Overdraft’.

If you already have an arranged overdraft you can apply to increase, decrease or remove your arranged overdraft from your Internet bank account.

Apply nowfor an arranged overdraft.

Useful information

Calls may be monitored or recorded in case we need to check we have carried out your instructions correctly and to help improve our quality of service.

Bank of Scotland plc. Registered in Scotland No. SC327000. Registered Office: The Mound, Edinburgh EH1 1YZ. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 169628.