Overdrafts

An arranged overdraft can act as a short term safety net. You can use it to borrow money up to an agreed limit through your bank account.

Setting up an arranged overdraft

Setting up an arranged overdraft is free and you’ll only pay daily arranged overdraft interest if you use it.

Managing your overdraft

You can apply to increase or reduce your arranged overdraft limit, as well as remove your arranged overdraft at any time via your Online Banking or Mobile Banking app in just a few simple steps. If you would like to talk to someone about amending your arranged overdraft you can do this in branch or over the phone. This application won't affect your credit score.

Grace period

You have until the end of the day to bring your account back in to credit to avoid daily arranged overdraft interest for that day. You can do this by transferring money from another personal account you have with us via Mobile Banking, Online Banking, Telephone Banking or pay in cash over the counter in a branch.

Useful tools


Our cost calculator will help you work out how much your anticipated arranged overdraft borrowing will cost over different periods of time.

Cost Calculator

You can also check your eligibility by using our eligibility tool.

Eligibility tool

Receive text message alerts - If we have a mobile number for you, we’ll help you keep an eye on your balance.

All overdrafts are subject to our assessment of your circumstances and are repayable in full on demand. You must be aged 18 or over to apply.

If you’re looking to borrow money, it is important you compare and choose the right options for you based on your circumstances. Your borrowing options.

Already have a bank account with us and want an arranged overdraft?

If you already have a bank account with us, you can apply for an arranged overdraft through Online Banking or Mobile Banking. You can also apply to increase your existing arranged overdraft limit too. Please note that some of our accounts do not include arranged overdrafts.

  • Use the button below to sign in to Online 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’.
  • From mobile, select ‘Overdrafts’ from your bank account menu, or click the ‘Your Overdraft options’ link.
  • If you already have an arranged overdraft you can apply to increase, reduce or remove your arranged overdraft using Online Banking. You must repay anything you owe if you want to remove an overdraft or anything over the new reduced limit you want.
Sign in to apply

Manage your existing overdraft

Apply online to increase, reduce or remove your arranged overdraft at any time. This won't have an impact on your credit score.

Manage now

Don't have a bank account with us yet?

We offer a range of bank accounts to suit different needs.

Compare our bank accounts

Unarranged overdrafts

If you don't have enough money in your account or available arranged overdraft to make a payment, we may either let you borrow through an unarranged overdraft or refuse to make the payment. Missing payments and using an unarranged overdraft can damage your credit score, please get in touch with us as we may be able to help you.

If you’re looking to borrow money, it is important you compare and choose the right options for you based on your circumstances. Your borrowing options.

How much do overdrafts cost?

You’ll only pay daily arranged overdraft interest if you borrow over your interest-free amount (if your account has one). Your daily arranged overdraft interest rate is based on how you manage any accounts you have with us and on the credit information we hold about you. We will let you know your rate in the pre contract credit information we give you if you apply for an arranged overdraft.

No other interest

If you miss a payment or go over your limit, we will not apply any additional charges on top of the daily arranged overdraft interest.

If you reach your agreed overdraft limit you may not be able to make any more payments, and you may be charged by the intended recipient.

Mobile alert service to help you track your balance

Our mobile alert service lets you know when you get close to using your overdraft, and near your agreed overdraft limit.