Available to UK residents aged 18 or over. Lending criteria, terms and conditions apply
testEasily use our mobile banking app
testMultiple ways to pay: Apple Pay, Google Pay™ and Contactless Visa Debit Card. Limits apply.
testArranged overdraft (subject to eligibility).
test No monthly fee
To apply, you need to be 18+ and a UK resident.
An arranged overdraft can be useful for short term borrowing. Understand arranged and unarranged overdrafts and their impact on your account. An overdraft is a form of borrowing and is repayable on demand.
There are two different types of overdraft:
We charge interest on both types of overdraft. Going in to an unarranged overdraft limit can lead to payments being rejected.
Understand the cost and impact of overdrafts and whether you're eligible to apply for one. If you don't repay what is owed, you could harm your credit score and borrowing capability.
This account offers an Overdraft facility (subject to eligibility). You can check if you're likely to be accepted for an overdraft using our eligibility tool.
As an example, the interest cost of using a £500 arranged overdraft is:
Time Period | 7 days | 30 days | 60 days |
Interest Cost | £3.24 | £13.87 | £28.13 |
This is a specific illustrative example representing the interest cost of using a £500 arranged overdraft over periods of 7, 30 and 60 days.
Looking to understand the costs of an overdraft of more or less than £500 over different periods of time? Use our handy cost calculator.
If you don't pay it back, it could have an impact on your credit score.
Representative Example: Effective Annual Rate: 39.49% EAR (variable). Representative APR: 39.49% APR (variable). Assumed credit limit: £1,200.
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.
If you're applying online, try and have a passport or a Northern Ireland/UK/Republic of Ireland driving licence to hand along with a working credit or debit card.
If you don't have these available, don't worry. You can still apply online and we will ask you to provide other forms of ID and proof of address that we can accept.
It’s important for you to understand how we use and share your information. Please read this short summary before you continue with your application.
