Overlay
Arranged overdrafts are available to eligible Ulster Bank current account customers, UK residents aged 18+. You must pay your salary or a regular amount into your current account.
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.
Tips to help you change your overdraft limit online
Get ready to apply
You can apply to increase your overdraft if:
- You are aged 18+ and living in the UK
- You have an eligible Ulster Bank account which you pay your salary or a regular amount into
- You, or any parties on your account, have not been declared bankrupt in the last 6 years
Please note: if you apply on a joint account, we will only assess the eligibility of the person applying.
First, let's check if you're eligible
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.