Just pay for what you use
- We'll only charge interest on the amount you use
- There are no other usage charges or fees
An arranged overdraft allows you to borrow money up to an agreed limit on your bank account. So if things are a wee bit tight and pay day feels a long way off, it could be a good way to bridge the gap short-term.
Remember that overdrafts are a way of borrowing money and you’re responsible for repayments if you decide to use one. If you aren’t able to repay what is owed, you could impact your credit score, which most lenders use to decide whether they’ll lend to you.
You can apply for an overdraft if:
Please note: if you apply on a joint account, we will only assess the eligibility of the person applying.
Use our free eligibility checker before you apply to see if you’re likely to be accepted. It only takes a few minutes and there’s no impact on your credit score.
If you have a joint account, we recommend that you both check your eligibility, as you could each be eligible for different levels of borrowing.
If you've already checked, you're good to move on below.