See how much using an overdraft could cost you

Wizard

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Completed: Your overdraft
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Current: Your results
Completed: Your overdraft
Current: Your results

Questions

Are you likely to go over this amount?

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Your results

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How does this calculator work?
This calculator aims to give you an illustration of how much it may cost you to use your overdraft based on the information that you've given us. It calculates based on the same amount overdrawn for each day. 
 
Important information
The calculations don’t include any monthly fee for maintaining the account or fees for allowing a payment despite lack of funds. 
 
Our accounts with fees for allowing a payment despite lack of funds are: 

  • the Everyday Current Account (£10 per transaction) and 
  • the 1|2|3 Student Current Account (£5 per transaction)

Both of the accounts have a monthly cap for unarranged overdraft fees of £50. This means that if you incur any unarranged fees (including fees for allowing a payment despite lack of funds) in any monthly statement period, they won’t be more than £50 in total. These fees won’t apply from 6 April 2020 and you can find all the details on each of our accounts in their Key Facts Documents.
 
Overdrafts depend on your circumstances and you must repay an overdraft when we ask in line with our General Terms and Conditions. Acceptance isn’t guaranteed. Accounts which don’t offer an overdraft aren’t included in the calculator.
 
We offer current accounts with different overdraft fees or without the option for an overdraft facility. We also have different borrowing options such as credit cards, personal loans and additional loans for our existing mortgage customers. You can learn more by visiting our borrowing options page.

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