Student overdrafts
Get an interest-free overdraft up to £1,000
Handy text alerts to help you manage your borrowing
An arranged overdraft allows you to go overdrawn from £250 up to £5000, with an agreed limit, so it could help cover an unplanned expense. Think of it as a short-term safety net for your current account.
Only pay interest if you use it
Quick access to funds
It takes about 5 minutes to apply in Anytime Banking or the mobile app (app eligibility applies)
An overdraft is designed as short-term way to borrow money. If you decide to use an overdraft, you're responsible for paying it back. If you're unable to repay, your credit score could be impacted. Most lenders will use your credit score when deciding how much to lend you.
Before you get an overdraft, it's a good idea to think about if you could use any savings instead.
You can make changes to your arranged overdraft in our mobile app or via Anytime Banking. Here's what you need to know.
To apply for an overdraft:
Please note: if you apply on a joint account, we will only assess the eligibility of the person applying.
Get an interest-free overdraft up to £1,000
Handy text alerts to help you manage your borrowing
Get an interest-free overdraft up to £1,500 in your first year after your graduation
Manage your overdraft online or in the mobile app (app criteria apply)
Overdraft? Loan? Credit Card? Figure out what type of borrowing is best for you.
We'll help you understand the basics of how overdrafts work.
Please note: if you apply on a joint account, we will only assess the eligibility of the person applying.
Use our free eligibility checker before you apply to see if you’re likely to be accepted. It only takes a few minutes and there’s no impact on your credit score.
If you have a joint account, we recommend that you both check your eligibility, as you could each be eligible for different levels of borrowing.
If you've already checked, you're good to move on below.