I want to apply for an interest-free buffer of up to £500

This form is to ask for a temporary interest-free amount of up to £500 on your arranged overdraft if you’re finding it difficult to manage your overdraft borrowing. If your arranged overdraft limit is lower than £500, all of it will be interest-free.

If we approve this request the interest-free buffer will be in place until three months from the end of the month in which we approve your application. We’ll text you to confirm the date this temporary change starts and ends.

This is a temporary concession and doesn’t change the conditions of your arranged overdraft. When this period ends, you will go back to being charged interest under the terms of your arranged overdraft agreement.

If you change your account type during this period then the interest-free buffer will end on the date you make that change.

If your account is currently in collections or you have an agreed repayment plan in place, you will already be receiving support and will not able to apply for the temporary interest-free arranged overdraft amount until this has ended. You’ll also not be able to apply for this interest-free buffer if you have a Student account.

If you submit an application this may prevent any further lending on new or existing accounts or products with Lloyds Banking Group, either for the period that the temporary support for your arranged overdraft is in place, or if your application is unsuccessful for 3 months following the application date.

There’s help available

We know talking about money isn’t always easy, but we’re here to help. You can call us on 0345 603 2198 to discuss your borrowing and how we can help with budgeting or other options to support you. Lines are open 8am-8pm every day.


Halifax UK | Overdraft Buffer Form

Please provide the details of the account with the arranged overdraft you want to request the interest free buffer on:

If there is another party to this account then only one of you needs to request this temporary interest free amount however you should inform the other parties.

We need you to enter your mobile number so we can let you know whether we have approved this request.

We’ll use this mobile to respond to this request. If this is different from the number we hold for you, and you would like us to use it going forward, please log on to update your details. 

This request will only cover your arranged overdraft. Find out how we may be able to help with other products.

Please call us on 0345 603 2198 to see how we can help with budgeting or other options to support you. It’s better to call us so we can help – doing nothing can lead to bigger money worries in future. Lines are open 8am-8pm every day.

You can find out what other help you can ask for.

We’ll still send you communications which we’re required to by regulation, and to let you know about changes to your accounts or services.


How we process your personal information

Your personal information will be held by Halifax part of the Lloyds Banking Group. More information on the Group can be found here. It is important that you understand how the personal information you give us will be used. Therefore, we strongly advise that you read our full privacy notice or you can ask us for a copy. If you have any questions or require more information about how we use your personal information please contact us.