New Arranged Overdraft

An Arranged Overdraft
could help smooth out
some of life's little bumps

It’s like having a safety net on your current account

Only pay daily interest on the amount you use

Get an instant decision if you bank online with us

Interest-free buffer depending on the current account you have

Could be ideal for short-term borrowing

Overdraft details


Get an instant decision

If you bank online with us, apply through Digital Banking. We'll pre-fill your application and let you know straightaway if you’ve been pre-approved.

Have your overdraft the next working day

If we approve you for an Arranged Overdraft, your limit could be applied to your account as soon as the next working day.

Only pay interest on the amount you use

If you don’t use it, you won’t be charged. Simple as that.

Have your statements at your fingertips

We'll send you an email when your statements are ready to view in Digital Banking. You can check it whenever you want.

Get an interest-free buffer

If you have an Arranged Overdraft with us and you stay within the buffer, you won’t pay any interest or fees.

You could also get Overdraft Control

Overdraft Control is a free service for Select account customers, which can help you avoid going into an Unarranged Overdraft.

More info

How an Arranged Overdraft could help

If payday is still a long way off and you’re getting a bit short of cash, that’s where our Arranged Overdraft could help.

Borrow up to an approved limit

When you apply, we’ll decide on an overdraft limit based on your circumstances.

Unarranged Overdraft

An Unarranged Overdraft is when you spend more money than you have in your account and you haven’t previously arranged an overdraft limit with us.

What might your Overdraft cost?

Ready to apply?

Our online application is available between 6.30am and 9.45pm on weekdays and between 6.30am and 9.55pm on weekends.

Do you have a current account with us?

To apply for an overdraft, you must meet these requirements

  • You're aged 18+
  • You're living in the UK 
  • You've not been declared bankrupt over the past 6 years

Important Information

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

How your information might be used

It's important for you to understand how we use and share your information.  Please read this short summary before you continue with your application.

Are you ready to continue?

Do you have Digital Banking?

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

To apply for an Arranged Overdraft online you need to be registered for Digital Banking.

Our Arranged Overdraft is for customers who already have one of our current accounts. Want to look at our account range?