How much will an unarranged overdraft cost?

Unarranged Overdraft interest will have been charged if you've gone overdrawn without arranging it with us first. We do not charge usage fees for our overdrafts.

Our interest charge varies depending on which current account you have.

Representative 39.49% EAR (variable)

An Unpaid Transaction Fee of £1.55 is charged for a transaction that we return unpaid. A transaction (e.g. a Direct Debit) will be returned if the payment cannot be met from 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 £18.80 in a monthly charging period for an unarranged overdraft or any unpaid transaction.

For more information on Unarranged Overdraft costs, please visit our Rates and Charges page.

You can also use our handy Overdraft Cost Calculator to see how much an arranged or unarranged overdraft will cost you based on your circumstances.