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Arranged and Unarranged Overdrafts

Subject to status. Applicants must be 18 years or over.

How our overdrafts work

We have both arranged and unarranged overdrafts. An arranged overdraft is when you have set up an overdraft limit with us on your current account,in advance. An unarranged overdraft happens when you exceed the amount available in your account, including any arranged overdraft limit, without first agreeing it with us. Unarranged usually costs a lot more than arranged overdraft. If you think you might overspend, it’s best to arrange your overdraft in advance.

See costs associated with your current account, interest rates and fees, overdrafts.


Arranging an overdraft

Arranged overdrafts are subject to status, applicants must be aged 18 years and over. If you have a Current Account Direct, Signature Current Account, Current Account Plus, Current Account Control or B Current account, you may ask us about this in advance. Visit your local branch or call our team on 0800 345 7365.

We do not provide overdrafts on our Readycash Account.


Understanding our charges

See fees at a glance below for differences in specific products.

  • Monthly Arranged Overdraft Fee – This fee will be charged once every calendar month if you end any business day overdrawn by more than the £25.00 Arranged Overdraft Buffer Amount (unless that position was created by us adding fees or interest).
  • Daily Unarranged Overdraft Fees – This fee will be charged for each business day that you end the day in unarranged overdraft by more than the £10.00 Unarranged Overdraft Buffer Amount (unless that position was created by us adding fees or interest).
  • Refusing A Payment Due to Lack of Funds Fees – This fee will be charged when there is not enough money in your account or arranged overdraft to make a payment and we refuse the request. We will not charge this fee if the value of the refused payment is £15.00 or less. This is the Refusing A Payment Due to Lack of Funds Fee Buffer Amount.
  • Fee Cap – We have a maximum amount that you can be charged in arranged and unarranged overdraft fees during the calendar month. This means that you'll never pay more than the fee cap per calendar month in Monthly Arranged Overdraft, Daily Unarranged Overdraft and Refusing A Payment Due to Lack of Funds Fees. The cap does not apply to interest, which is charged at the rate shown in your tariff.
  • Monthly Cap on Unarranged Overdraft Charges (also known as Monthly Maximum Charge) – We have a monthly cap on unarranged overdraft charges. This means you'll never pay more than the cap per month in Daily Unarranged Overdraft and/or Refusing A Payment Due to Lack of Funds Fees.

    1. Each current account will set a monthly maximum charge for:
      1. going overdrawn when you have not arranged an overdraft; or
      2. going over/past your arranged overdraft limit (if you have one).
    2. This cap covers any:
      1. interest and fees for going over/past your arranged overdraft limit;
      2. fees for each payment your bank allows despite lack of funds; and
      3. fees for each payment your bank refuses due to lack of funds.
  • Interest will be charged for arranged overdraft at the rate shown in your account tariff. You do not incur interest on unarranged overdraft. Please see Interest rates and fees: Overdrafts, for details of the fees and interest rates on your account.

When are charges and interest applied?

At the end of each calendar month, we will send you a summary of fees and interest with your monthly account statement. The summary will tell you the date on which your fees will be debited. We will give you at least 14 days' notice before we take any payment from your account.

For more information on fees and charges


Tips for avoiding fees

  • Check your account regularly – Keep on top of your finances by checking your account regularly. You can do this online, with our mobile app, through our telephone banking service, at an ATM or in branch.
  • Change payment dates to suit you – Think about changing the dates of your Standing Orders and Direct Debits to ensure the due payment is made when you have sufficient funds in your account to pay them. Your local branch will be happy to help you set up the payment arrangements.
  • Making payments on time – You have until 3pm on the day a payment is due to pay in enough cleared funds to meet that amount. Where you have set up future dated bill payments and funds transfers by telephone banking, you have until 5am on the day a payment is due, to pay in enough cleared funds to meet that amount.

Fees at a glance

Account Monthly Arranged Overdraft Fee Daily Unarranged Overdraft Fee Refusing A Payment Due to Lack of Funds Fee Fee Cap Monthly Maximum Charge* Arranged Overdraft Interest
Current Account Control£6 per calendar month with a £25 bufferNo feeNo feeNot applicableAs shown on your account tariff
Current Account Plus / Signature Current Account / Current Account Direct£6 per calendar month with a £25 buffer£6 per business day with a £10 buffer£15 per item with a £15 buffer£100 per calendar monthAs shown on your account tariff
Flexible Repay / Rapid Repay No feeNo fee£15 per item with a £15 buffer£60 per calendar month As shown on your Mortgage offer document
ReadycashNo feeNo feeNo feeNot applicable Arranged overdraft not available
Student accountNo feeNo fee£15 per item with a £15 buffer£60 per calendar monthAs shown on your account tariff
B Current£6 per calendar month with a £25 buffer and 2 working days grace per month£6 per business day with a £10 buffer and 2 working days grace £15 per item with a £15 buffer£100 per calendar monthAs shown on your account tariff

For further details of fees and interest rates for your account, please see Interest rates and fees: Overdrafts.

*Monthly Cap on Unarranged Overdraft Charges (also known as Monthly Maximum Charge)

Examples of unarranged overdraft

We developed these examples with the Office of Fair Trading and leading consumer groups to help you to think about how changing the way you use your account can affect the amount we may charge you. These examples are meant to show how different actions can result in different fees. They are only examples so you shouldn't see them as actions you might take and fees you might have to pay.

We may not allow you to use your account in the ways shown below. You should avoid using unarranged overdraft wherever possible and you should contact us if you need help to manage your account.
Signature Current Account Current Account Plus B Current Current Account Control Ready cash
We refuse a payment from your account due to lack of funds in your account. £15 £15 £15 £0 £0
A payment from your account takes you into an unarranged overdraft by less than £10. You use unarranged overdraft for one day during the month. £0 £0 £0 £0 £0
A payment from your account takes you into an unarranged overdraft and you make another payment from the account while you are in an unarranged overdraft position. You use unarranged overdraft for two days in a row during the month. £12 £12 £0 £0 £0
A payment from your account takes you into an unarranged overdraft, and you make nine more payments from the account while in an unarranged overdraft position. You use unarranged overdraft for 10 days in a row during the month. Refer undernote £48 £48 £36 £0 £0
A payment from your account takes you into an unarranged overdraft. You use unarranged overdraft for one day. However, on three more occasions during the month, a payment takes you into an unarranged overdraft position. On each of these occasions you are in an unarranged overdraft position for three days in a row. Refer undernote £54 £54 £18 £0 £0
A payment from your account takes you into an unarranged overdraft. You use unarranged overdraft for 21 days in a row during the month and you make 12 more payments from the account while you are in an unarranged overdraft position. Refer undernote £90 £90 £78 £0 £0
If you make more than one payment on the same day we take this as a request for unarranged overdraft and only charge one fee each day when the unarranged overdraft amount exceeds the available funds on your account by more than the buffer amount.
  • Scenario 4 is based on ten payments debiting over six separate days.
  • Scenario 5 is based on the first payment not exceeding the available funds on your account by more than the £10 unarranged overdraft buffer.
  • Scenario 6 is based on twelve payments debiting over eight separate days.

Managing your account

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