Eligibility Calculator
Overdraft Eligibility Tool

Find out if we'll say 'yes' with our free Overdraft Eligibility Tool

See if you could get an overdraft  – and how much you could borrow. It takes minutes.


Why use our Overdraft Eligibility Tool?

Find out if we'll say 'yes' in minutes

Plus, see how much you could borrow in the time it takes to make a cuppa.

Zero affect on your credit score

We use a soft credit search. The good news? This protects your credit score. 

You must be 18+ to get an overdraft

You must also live in the UK. We'll assess you as an individual.


Already bank with us?

If you're an existing customer, it's even quicker to find out if we'll give you an overdraft.

That's because we've already filled out some of your info for you.

Are you a new customer? 

Find out, fast, if you could get an overdraft with our tool for new customers:

  • Your result depends on what you tell us – and is for you as an individual.
  • It  doesn't guarantee we'll give you an overdraft, or how much you can borrow.
  • Your result is only for today. If your circumstances change, your result will change.

Good news – we use a soft credit search:

  • It won’t affect your credit score.
  • You’ll see this search on your credit file, but lenders won’t.
  • It's then up to you if you want to apply.

If you apply, we'll do a full credit search:

  • It may affect your credit score.
  • It will pin down your overdraft limit (how much you can borrow).