Our Overdraft Calculator can’t be used for business, school, club and charity current accounts.
If you’re unsure what type of personal current account you have, you can check this by looking at your monthly statement, logging on to Internet Banking or our Mobile Banking app.
The results are for illustrative purposes only and assume you use one fixed amount of overdraft for all the days you're overdrawn. In practice, the amount by which you are overdrawn may fluctuate daily and so the real cost of your overdraft will depend on how you use it.
An overdraft is a borrowing facility provided for a personal current account that is a regulated credit agreement. Overdrafts are primarily intended for short term borrowing and aren’t generally suitable for longer term borrowing.
If you are aged over 18 years or over, you can apply (dependent on the type of account you have) for an overdraft. Before allowing an overdraft we will assess your ability to repay the overdraft which will include considering information from credit reference agencies plus at least one of the following:
- Your income and financial commitments
- How you’ve handled your finances in the past
- Our internal credit scoring systems.
Apply for an overdraft
If would like to apply for a new overdraft or increase your existing one, please fill in, print and sign the form below and email a scanned copy of it to firstname.lastname@example.org.
- There are a number of documents you need to read before submitting your application. These are detailed in the Declaration section of the application form and can be found below.
- We’ll confirm the outcome of your application to you by post, and we aim to come back to you with the outcome within 4 working days from receipt.
- Once your application has been assessed, we’ll post you some important information about your overdraft application. Please take the time to read this and let us know if you have any questions.
Please note, you can apply for a new or increased overdraft facility via our branches.
If you’re unable to complete your application online, please call us on 01228 403141 and we’ll post an application form to you.
If you are experiencing financial difficulties, it’s important that you consider whether an overdraft is the most suitable type of assistance for you.
Please view our Financial Difficulties page for full details of how you can help yourself and what types of debt help and money guidance are available, including the availability of free and impartial debt advice and contact details for not-for-profit debt advice bodies.