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Your existing overdraft

Change your arranged 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.

Tips to help you change your overdraft limit online

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.

What would you like to do today?
Do you have Anytime Banking?

You're ready to go

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

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

You're ready to go

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

Do you have Anytime Banking?

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

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

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?

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

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

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

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