Overdrafts

Applying for a new or amending an existing overdraft

An overdraft is where, as part of our overall service, we may lend you money through your current account.

Arranged Overdraft - an Arranged Overdraft is an overdraft up to an agreed limit, which you arrange with us in advance. It is subject to application and approval and there will normally be charges for using it. If you are approved for an Arranged Overdraft, the first part of this overdraft may have a fee-free amount. This varies by account type and is not available for certain accounts. You will not be charged a daily arranged overdraft fee if you stay within the fee-free amount of your Arranged Overdraft.

To set up a new Arranged Overdraft

You can apply for an Arranged Overdraft through Online Banking or Mobile Banking using our simple online application process. We are able to provide an instant online decision and, if your application is approved, you will be able to start using your overdraft straightaway.

To apply online, please log in and select “more actions” next to the account you would like to set up an Arranged Overdraft on. From here you can follow our easy to understand on-screen instructions.

Once arranged, your overdraft limit can be seen on the 'Your accounts' page next to the relevant account. Your overdraft limit is also displayed on the pages where you carry out most online transactions.

Alternatively use telephone banking

Call 0345 721 3141, keeping your debit card to hand. We are open 7am - 11pm, seven days a week.

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 arranged overdraft, and you could have your request approved immediately. Alternatively you can call 0345 721 3141 and select to speak to a consultant, or pop into your nearest branch.

Further information on interest rates and charges relating to overdrafts are available from the rates and charges section in bank accounts.
Overdrafts available subject to status to UK residents aged 18 and over.

Online

You can view your current arranged overdraft limit on the 'Your accounts' page next to the relevant account.

To apply online to change an existing arranged overdraft go to the account which has the Arranged Overdraft Limit set up on it and select ‘Overdraft’. From here you can follow the on-screen instructions to be able to reduce, cancel or apply to increase your existing Arranged Overdraft limit.

To speak to someone regarding your arranged overdraft application or our decision, please call 0345 721 3141 and select to speak to a customer service consultant.
Further information on charges relating to overdrafts are available from the rates and charges section in bank accounts.

Alternatively use telephone banking

Call 0345 721 3141, keeping your debit card to hand. We are open 7am - 11pm, seven days a week.

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 request an increased limit on your arranged overdraft and you could have your request approved immediately.
Alternatively you can call 0345 721 3141 and select to speak to a consultant, or pop into your nearest branch.