Change Your Overdraft Limit - Overdrafts | Ulster Bank

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Changing your overdraft limit

Help to increase, decrease or remove your overdraft

Open to UK residents aged 18 or over with an eligible Ulster Bank current account. Lending is subject to credit review and approval. You must pay your salary or a regular amount into your current account.

Support with coronavirus

We have lots of guidance to help you. You can read more about our existing overdraft support measures and access further support by visiting our overdrafts coronavirus support page.

If you’ve got an arranged overdraft limit on your account that you feel is too low or too high, we’ll show you how to change it.

Increasing your Arranged Overdraft

Is your overdraft limit no longer right for you? We understand that circumstances may change, so if you’ve got an overdraft limit that you now feel is set too low and you'd like more or the limit is no longer right for you, you can apply online to increase it to cover your short-term expenses.

Things to keep in mind:

  • Increasing your limit often - an Overdraft is a form of debt and applications are recorded on your credit file and could affect your ability to get credit in the future, so bear that in mind
  • Our decision - we base our decision on your individual circumstances, by looking at a variey of factors like; your income, your credit score, how you use your current account with us, your employment and marital status, and whether you have dependents.

Decreasing or removing your Arranged Overdraft

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It's easy to change your existing overdraft limit

If you want to decrease your limit, simply tell us the total amount you would like, rather than the amount you want to decrease your overdraft by.

To completely remove your overdraft limit, enter '0' when asked for the total limit you require on your account.

If you want to remove your overdraft completely, your account must be in credit.

If you are not registered for Anytime Banking you can register now

Overdrafts Change your limit online

You can apply online between 06:00 and 21:45.

How your information might be used

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.

By ticking this box I confirm that:

I have saved and/or printed a copy of the documents below and accept that upon completing this application, I will become bound by the terms contained in those documents.

Your Current Account Terms

Your Overdraft Charges 

Our Lending Commitments 

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