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Overdrafts
Support for regular overdraft users
Take control of your overdraft limit
Reducing your overdraft balance and limit will help you control how much your overdraft costs you. You can do this at anytime in our mobile app or if you would rather bring your limit down gradually, you can set up a personalised plan to do this.
Our App is available to personal and business banking customers aged 11+ using compatible iOS and Android devices. You'll need a UK or international mobile number in specific countries.
See how much you could save
Over 12 months it would reduce by
£300
Which could save you in interest over 12 months
£37.86
The above table is a representative example based on 21 days usage per month at the representative APR of 39.49% (variable).
Over 12 months it would reduce by
£600
Which could save you in interest over 12 months
£75.73
The above table is a representative example based on 21 days usage per month at the representative APR of 39.49% (variable).
Over 12 months it would reduce by
£900
Which could save you in interest over 12 months
£113.59
The above table is a representative example based on 21 days usage per month at the representative APR of 39.49% (variable).
Over 12 months it would reduce by
£1,200
Which could save you in interest over 12 months
£151.46
The above table is a representative example based on 21 days usage per month at the representative APR of 39.49% (variable).
Ways to help you manage your money
An overdraft can be an expensive way to borrow and is intended for short term use, we have tools that could help you manage your money and look for ways to help you reduce your overdraft balance and limit.
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If you’ve got an arranged overdraft limit on your account that you feel is too high, we’ll show you how to change it. Find out more here.
Plan your budget
Enter your earnings, spending and bills, and our handy tool will help work out what you’ve got left over each month.
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Check-in
Free review of all of your personal finances, choose from a quick online questionnaire or book in with one of our highly trained Senior Personal Bankers.
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Overdrafts Calculator
See how much it costs to use an overdraft across our range of accounts.
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Reduce your household bills
Running a household can be expensive, we’ve got a range of guides and quick tips to help.
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Make a plan to reduce your borrowing
An overdraft can be an expensive way to borrow in the long term, regularly reducing your overdraft balance and limit will help reduce this cost.
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How to view your credit score
You can check your credit score in our app to get an indication of your credit health provided by TransUnion.**
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Get the low-down with the Spending Tracker
Ever got to the end of a month and wondered where your money went? Well wonder no more. Our Spending Tracker within the app tells you everything you need to know.
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Our App is available to personal and business banking customers aged 11+ using compatible iOS and Android devices. You'll need a UK or international mobile number in specific countries.
**Credit score available once opted in through the app, to customers aged 18+, with a UK address and is provided by TransUnion.
Independent support available
If you are struggling with your finances, you can get free debt advice. We partner with PayPlan (a third party company), who can offer you free confidential advice for all of your debts.
Citizens Advice
Free advice on debt, benefits, housing, legal matters, employment and general consumer advice.
Money Helper
Free advice on debt, divorce/separation, setting up a new home, care & disability.
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