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Life Moments

Understanding your
overdraft debt

Paying off your overdraft

Overdrafts can be useful for covering any unexpected costs in the short term, but other forms of borrowing could be better value for you if you are using your overdraft on a regular basis. If you find yourself dipping into your overdraft frequently, we want to help you pay less by looking at ways to reduce your overdraft use.

Budget Management

Budgeting is key to reducing your spending and can help you pay off your overdraft faster. Paying off even a small amount can help you save money in the long term.
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Use our budget calculator

Our budget calculator can help you understand your total spending vs. total income so that you can have a clear picture of your current financial situation.

Financial Health Check

Our free financial health check can help you understand your spending and find the best products for your needs.
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Book a free financial health check

In only 20 minutes, a financial health check could give you the tips and information to get on the road to a better financial future. It's completely free and confidential.

Overdraft calculator

Our overdraft calculator can help you understand the cost of your overdraft and avoid unexpected fees. It gives you an illustration of how much your overdraft may cost based on the information you provide.

Overdraft calculator

Use our Overdraft Calculator to see what an overdraft could cost. Eligibility applies. Over 18s only.

Struggling financially

Are you worried about your finances? We're here to help

Learn more about:

  • Missing payments
  • Managing your debt
  • Getting independent support

Change your overdraft limit

Increase, reduce or remove your limit

If you’ve got an arranged overdraft limit on your account that you feel is too low or too high, we can help you change it.

Is there something else you're looking for?

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