Bank accounts

    By managing your bank accounts online you can transfer money between accounts, pay your bills and view your recent transactions and current balance.

    For information on how to manage your accounts online, see the Registration, viewing accounts and updating your details and Moving money/paying bills sections.

    Viewing your current arranged overdraft limit

    If you already have an arranged overdraft on your current account, your current overdraft limit will be shown on your 'My accounts' page.

    Increasing an existing overdraft limit

    To request an increase to your current overdraft limit simply sign in to the online service. Select your account from the 'My accounts' page. Select 'Change my overdraft limit' then follow the on-screen instructions.

    Applying for a new overdraft limit

    To request a new overdraft limit simply sign in to the online service. Select the 'Apply' link next to your account from the 'My accounts' page and then follow the on-screen instructions. 

    If your request is accepted, your new overdraft limit will be available immediately.

    If your overdraft request exceeds the amount available to you, a message will appear advising you of your pre-approved guaranteed limit. You can choose to select the maximum pre-approved guaranteed limit or a lower amount and your new overdraft limit will then be immediately available.  To request an overdraft amount higher than the guaranteed limit displayed, you’ll need to visit your local branch.

    If you would like to reduce your existing overdraft limit, please call us on 0345 721 3141 (24 hours) or alternatively, visit your local branch.

    If you have already had an overdraft request declined by us within the last 30 days, please do not re-apply.

    Use telephone banking - call 0345 721 3141

    For increased choice in how you do business with us, more privacy or if you are on the move, you can self service your request to apply for a new, or increased, overdraft by using 24hr telephone banking.

    Call 0345 721 3141, keeping your debit card to hand.

    Once you have logged in to telephone banking, select

    • Option 1  (Manage your bank account)

    followed by

    • Option 3 (Overdraft enquiry)

    By following the simple instructions, you will then be able to apply for an overdraft, and you could have your request approved immediately.

    Where your request exceeds the automatic guaranteed amount you will be transferred to a consultant.

    Information on our overdraft interest rates and charges are available at Bank account rates and charges.

    Credit available subject to status to UK residents aged 18 and over.