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Your existing overdraft

Change your arranged overdraft limit

Open to UK residents aged 18 or over with an eligible Ulster Bank current account. Lending is subject to credit assessment and approval. You must pay your salary or a regular amount into your current account.

On this page

Summary

Things to keep in mind

How to change your limit

Change overdraft limit

Changing your overdraft limit won’t take long

If you’ve got an arranged overdraft limit on your account that you feel is too low or too high, we’ll show you how to change it.

Things to keep in mind

If you reduce your overdraft too much, you might go into Unarranged Overdraft. Here’s an example of Unarranged Overdraft costs.

You could also use out handy Cost calculator to see how much an arranged or unarranged overdraft would cost based on your circumstances.

Overdraft Cost Calculator

Tips to help you change your overdraft limit online

Increase your limit

Reduce your limit

Remove your limit

How to change your overdraft

Review your personal details

As you’re changing a form of debt, we have to go through a formal request process. We'll ask to review your personal details first.

Increase, reduce or remove your limit

Tell us what you want your new overdraft limit to be. If you're increasing your limit, your request will be subject to credit assessment.

When will my new limit be ready?

When you complete your request and it's approved Mon to Thu before 5.30 pm, your new limit will be available the next working day. Anytime after this - up to 2 working days.

All okay? Let's get started.

Our online application is available between 6.30am and 9.45pm.

Continue

What would you like to do today?

Increase my limit

Reduce my limit

Remove my limit

Do you have Anytime Banking?

Yes

Just a heads up - to apply online, you must:

Be aged 18+ and living in the UK

Have not been declared bankrupt in the last 6 years

Important information

Please take some time to review, print and/or save the information below. By clicking 'Increase my Overdraft', you are confirming that you have been provided with, and acknowledge our important documents.

Your Current Account Terms

Your Overdraft Charges

Our Lending Commitments

How we use your information

Let's get you set up

You'll need to sign up for Anytime Banking with us in order to apply for an overdraft online. The good news is that it normally takes only 5 minutes. If you need a hand, follow our step-by-step guide below.

What you'll need

Your sort code and account number

Your Ulster Bank debit card, if you have one

What's good about it?

Anytime Banking allows you to control your finances from wherever you are online.

You can quickly check your balance, transactions and statements as well as send money to your family and friends or pay your bills.

You also need to be registered for Anytime Banking before you can download our mobile app (criteria apply).

Step-by-step guide

Head to 'Register for Anytime Banking' and let us know if you are a Personal, Business or Credit card customer
Enter your personal details. We’ll need details including your name, date of birth, sort code and account number
We’ll show you your customer number on screen (you're making good progress at this point). Make a note of it as you’ll need it when you log in, in the future. If we don't need anything else from you you'll skip straight to step 7, but you may need to go to step 4, don't worry we'll let you know on screen
We'll then send you an activation code. We'll send you your activation code in a text message. Or if we don’t have your phone number, we’ll send it through the post
Go to the Ulster Bank website and click ‘login’ in the top right-hand corner, have your activation code to hand
On the login page, type in your customer number and activation code
Now you need to choose a password and PIN and commit them to memory. The PIN should be four digits long and your password can be between six and twenty characters, and contain both letters and numbers
Done, finished, complete. Now you can manage your finances anywhere you can get online (you can also register for our mobile app too)

Once you've registered, click 'Next' below to log in and increase your overdraft limit.

Just a heads up - to apply online, you must:

Be aged 18+ and living in the UK

Have not been declared bankrupt in the last 6 years

Important information

Your Current Account Terms

Your Overdraft Charges

Our Lending Commitments

How we use your information

Do you have Anytime Banking?

Yes

Great! Before you continue...

It's important for you to understand how we use and share your information. Please read this brochure before you continue with reducing your overdraft limit.

Let's get you set up

What you'll need

Your sort code and account number

Your Ulster Bank debit card, if you have one

What's good about it?

Anytime Banking allows you to control your finances from wherever you are online.

You can quickly check your balance, transactions and statements as well as send money to your family and friends or pay your bills.

You also need to be registered for Anytime Banking before you can download our mobile app (criteria apply).

Step-by-step guide

Head to 'Register for Anytime Banking' and let us know if you are a Personal, Business or Credit card customer
Enter your personal details. We’ll need details including your name, date of birth, sort code and account number
We’ll show you your customer number on screen (you're making good progress at this point). Make a note of it as you’ll need it when you log in, in the future. If we don't need anything else from you you'll skip straight to step 7, but you may need to go to step 4, don't worry we'll let you know on screen
We'll then send you an activation code. We'll send you your activation code in a text message. Or if we don’t have your phone number, we’ll send it through the post
Go to the Ulster Bank website and click ‘login’ in the top right-hand corner, have your activation code to hand
On the login page, type in your customer number and activation code
Now you need to choose a password and PIN and commit them to memory. The PIN should be four digits long and your password can be between six and twenty characters, and contain both letters and numbers
Done, finished, complete. Now you can manage your finances anywhere you can get online (you can also register for our mobile app too)

Once you've registered, click 'Next' below to log in and reduce your overdraft limit.

Great! Before you continue...

It's important for you to understand how we use and share your information. Please read this brochure before you continue with reducing your overdraft limit.

Do you have Anytime Banking?

Yes

Great! Looks like you're all set and ready to go.

Let's get you set up

What you'll need

Your sort code and account number

Your Ulster Bank debit card, if you have one

What's good about it?

Anytime Banking allows you to control your finances from wherever you are online.

You can quickly check your balance, transactions and statements as well as send money to your family and friends or pay your bills.

You also need to be registered for Anytime Banking before you can download our mobile app (criteria apply).

Step-by-step guide

Head to 'Register for Anytime Banking' and let us know if you are a Personal, Business or Credit card customer
Enter your personal details. We’ll need details including your name, date of birth, sort code and account number
We’ll show you your customer number on screen (you're making good progress at this point). Make a note of it as you’ll need it when you log in, in the future. If we don't need anything else from you you'll skip straight to step 7, but you may need to go to step 4, don't worry we'll let you know on screen
We'll then send you an activation code. We'll send you your activation code in a text message. Or if we don’t have your phone number, we’ll send it through the post
Go to the Ulster Bank website and click ‘login’ in the top right-hand corner, have your activation code to hand
On the login page, type in your customer number and activation code
Now you need to choose a password and PIN and commit them to memory. The PIN should be four digits long and your password can be between six and twenty characters, and contain both letters and numbers
Done, finished, complete. Now you can manage your finances anywhere you can get online (you can also register for our mobile app too)

Once you’ve registered, click ‘Next’ below to log in and remove your overdraft.

Change your arranged overdraft limit

Changing your overdraft limit won’t take long

Things to keep in mind

Fee

Amount

Tips to help you change your overdraft limit online

Increase your limit

Reduce your limit

Remove your limit

How to change your overdraft

Review your personal details

Increase, reduce or remove your limit

When will my new limit be ready?

All okay? Let's get started.

You're ready to go

Just a heads up - to apply online, you must:

Important information

Let's get you set up

What's good about it?

Step-by-step guide

You're ready to go

Just a heads up - to apply online, you must:

Important information

Great! Before you continue...

Let's get you set up

What's good about it?

Step-by-step guide

Great! Before you continue...

Great! Looks like you're all set and ready to go.

Let's get you set up

What's good about it?

Step-by-step guide

Great! Looks like you're all set and ready to go.