Can I have an overdraft? How do I apply for one?

You can apply for an overdraft of a maximum limit of £2,000. Overdrafts are designed for short term borrowing.  We can offer an overdraft facility where there is a specific purpose to cover unexpected expenses, for an agreed timeframe up to a maximum of 6 months. We don’t offer overdrafts to be used as a buffer in case of need. Eligibility criteria applies, with minimum 3 months' salary required to be paid into the account. Applications are assessed on credit score and affordability in line with our responsible lending criteria. Our personal overdrafts should not be used for business purposes. You can apply for an overdraft by calling 0330 355 0355. Our opening hours are published on our help and support page

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