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Payments and overdrafts

This section explains about making payments and about our overdrafts here.


Payments in to your account can be made by electronic transfer via internet banking and the mobile banking app. There is currently no facility for paying cash into the account but this service is under review.

Please include your sort code and account number when sending us a cheque to pay in.

To pay in a cheque, please post the cheque to us using our Freepost address. Write it exactly as show below and your cheque will get to us free of charge (no stamp required):


Payments out of your account can be made using internet banking or the mobile banking app. The table below explains the different types of payment services we offer.

Payment type Description Timescales
Faster Payments

Standard electronic payments

£20,000 transaction and day limit apply

Normally received within 2 hours, but may take up to one business day
CHAPS Same-day UK payments. Any payments for more than the Faster Payment limit can be sent by CHAPS If authorised before 2pm on a business day, the funds should be received by the end of the day
International payments Payments to beneficiaries outside of the UK Deadline is 1pm, timings depend on where funds are going. Allow 10 days if outside of Europe
Direct Debits A regular payment, authorised by you but managed by the institution collecting the payment Collected as requested by the institution originating the payment
Standing Orders A regular payment, set up and managed by you Paid at regular intervals set by you

For applicable charges please see our tariff of charges.

If you have a payment due to be taken from your account, like a Direct Debit or Standing Order, and you don’t have sufficient funds to cover the payments, we will send you a text message in the morning giving you the chance to pay funds in to your account in order for the payment to be made.

Please check your text message alerts settings in internet banking to make sure you are opted in to receive these messages.


You can request an arranged overdraft amount to suit your needs, up to a maximum amount of £2,000. All requests are subject to credit and affordability checks.

You can apply for an overdraft limit when you apply for your current account. For all subsequent requests to add a new or increase an existing overdraft limit please call us. If you have an existing overdraft limit that you wish to reduce or remove this can be done by sending us a secure message in internet banking or calling us.

There is no unarranged overdraft or buffer provided, and so no unexpected high fees or charges as a result. Because we don't offer unarranged overdrafts it is important that you apply for and request an overdraft if you think you will need one. For full details on our charges please see our personal banking tariff here.

For full details on our overdrafts as well as our overdraft calculator please see here.

How to bank with Triodos

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Find out more about using mobile and internet banking. Find out more

Account changes


How to let us know and make changes to your account details. Find out more

Steps to stay secure

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Ways to protect your money, account and personal information. Find out more

How we can help


Read more about the support we can offer. Find out more

Triodos Debit Mastercard®


Information about your Triodos Debit Mastercard®. Find out more

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