Select - our everyday bank account
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Available to UK residents aged 18 or over. Lending criteria, terms and conditions apply
An overdraft is repayable on demand. Overdrafts may not be exceeded without prior permission. If you exceed your limit, we will charge interest at the rate stated in Your Current Account Terms. Other charges may also apply.
If your debit card is lost or stolen we will cancel your card and let you withdraw up to £300 from our ATMs if you're an Anytime Banking customer, or up to £60 if you're not.
You can apply for an interest-free arranged overdraft (subject to credit review and approval). An arranged overdraft can be useful for short term borrowing. It allows you to go overdrawn up to an agreed limit.
You can check if you're likely to be accepted for an overdraft using our eligibility tool.
An unarranged overdraft is when you spend more money than you have in your current account, without already having an arranged overdraft limit.
Our mobile app is simple, clever and easy to use - you can even use it to withdraw cash from our ATMs and make payments to friends and family using just their mobile number. App available on most smartphones to customers with Anytime Internet Banking and a UK mobile number beginning in '07'.
Both arranged and unarranged overdrafts will cost you money in fees, but an unarranged overdraft will cost you more. You can use our cost calculator to see how much an overdraft would cost you to use. An overdraft is a form of borrowing and is repayable on demand. If you don't pay it back, it could have an impact on your credit score and could result in payments and household bills being rejected.
We're changing our overdraft pricing
On 27 March 2020 we will be making some changes. The changes vary depending on the account you have with us. You can find out more by visiting our overdraft pricing changes hub.
Thinking of switching your bank account to us?
The Current Account Switch Service will do all the work when it comes to switching, moving everything across from your old account all within 7 working days, including Direct Debits and standing orders. All you need to do is tell us the details of your old bank account and when you want the Switch to start.