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How much will my overdraft cost?

An overview of rates and charges for arranged overdrafts and charges for unarranged overdrafts is available here (opens in a new window).

An unarranged overdraft usage fee of £8 is charged daily if you use an unarranged overdraft. An unarranged overdraft is created when your account becomes overdrawn without prior arrangement or any arranged overdraft limit is exceeded. The unarranged overdraft usage fee will only be charged if your unarranged overdraft is over £10 at close of business on the day a transaction is paid or taken from your account (and on each subsequent day that your unarranged overdraft remains over £10).

An unpaid transaction fee of £8 will be charged for each item we return unpaid. An item (e.g. a direct debit) will be returned if the payment cannot be met from the funds in your account or any unused arranged overdraft facility and we decide in our discretion not to make the payment.

We won’t charge you more than £80 in a monthly charging period for an unarranged overdraft or any unpaid transaction

For more information you can use our Overdraft calculator (opens in a new window) to see how we charge for an arranged and unarranged overdraft and how to avoid unexpected costs.