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 at the top of your 'Recent transactions' page.

Applying for a new overdraft and changing / amending an existing overdraft limit
To change your current overdraft limit, or to request a new overdraft, from 'My accounts' simply select 'Apply/change overdraft' from the drop down menu.  Alternatively, choose 'Apply/change overdraft' from the left of your 'Recent transactions' page.

The 'Apply/change Overdraft' page shows the amount of any guaranteed overdraft limit available to you.  The guaranteed amount shown is based on how you've managed the accounts you hold with us. 

Overdraft requests up to and including the guaranteed amount – Simply enter the amount of overdraft you'd like in the 'Overdraft you require' box, then click the 'Submit' button at the bottom of the page.

Your new overdraft limit will then be immediately available.

Overdraft requests over the guaranteed amount – If you'd like an overdraft amount higher than the guaranteed limit displayed then we'll need to collect some more information from you to help us make a decision.

Click the 'Please provide more information' link, provide the information requested on screen then click the 'Submit' button at the bottom of the page.

We'll then contact you, usually within 3 working days, to advise you of our decision or to request further information where necessary.  To speak to somebody about your overdraft application, or our decision, please call 08457 20 30 40 (24 hours), and speak to a consultant.

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 08457 20 30 40
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 08457 20 30 40, 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.

If you would like more information about telephone banking, take a look at our automated telephone banking guide (opens as PDF in new window).