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Overdraft Eligibility Tool

Use our eligibility tool to find out whether you're likely to get an overdraft with us. 

It takes just a few moments

You could get an indicative overdraft amount in the time it takes to make a cup of tea.

No harm to your credit rating

We use a soft credit search, which won't harm your credit rating.

Things to remember

To get an overdraft with us, you’ll need to be over 18 and live in the UK. This eligibility tool looks at your eligibility for an Overdraft as an individual.

How we calculate your eligibility

Before you begin

Your overdraft eligibility is an estimate we provide you as an individual, and it's based on the information you give us. This means we can't guarantee you'll be offered an overdraft amount, or at all.

The soft credit check is just an initial look at your financial situation, so it won't affect your credit rating at all. You'll see the search if you check your credit file, but lenders won't.

Your score is only valid at this time and if your circumstances change your likelihood of acceptance may be affected. 

If you decide to apply for an overdraft, that's when we run a full credit check. This is a full analysis of your credit history and, unlike the soft check, it'll be visible on your credit report.

If you're eligible for an Overdraft and for what amount depends on the results of the full credit check.