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If you already have an arranged overdraft on your current account, log into Internet Banking and your arranged overdraft limit will be shown on ‘Your accounts'. You can also do this through Mobile Banking.
It’s easy to change your arranged overdraft limit whenever you need to. You can either reduce or apply to increase your arranged overdraft limit at any time using your internet banking or mobile banking app in just a few simple steps.
To do this, simply sign in to your internet banking or mobile banking app and select ‘more actions’ on the bank account that you have the overdraft set up on. Then select ‘overdrafts’ and follow the on-screen instructions so you can tell us the new arranged overdraft limit you would like.
If you are applying to increase your arranged overdraft limit you can benefit from an instant online decision and once approved your new arranged overdraft limit will be ready to use immediately.
If you would like to talk to someone about amending your arranged overdraft you can do this in branch or over the phone.
There’s no need to reduce or cancel your arranged overdraft if you aren’t actively using it, it’s there as a safety net if you do need it and you only ever pay for the amount of the arranged overdraft that you use.
If you do need to cancel your arranged overdraft, you can do this straightaway if your account is in credit. If you cancel your arranged overdraft, we might not be able to offer you the same arranged overdraft limit again in the future.
To cancel, your account needs to be in credit. Log into Internet Banking, select the ‘More actions’ button on your current account, then choose the ‘Manage overdraft’ button (found in the ‘Overdraft’ dropdown menu). Click ‘Cancel Arranged Overdraft’ and follow the on-screen instructions. You can also do this through Mobile Banking.
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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.