Find out whether you're likely to get an overdraft with us by using our eligibility checker.
It takes just a few moments
You could get an indicative overdraft amount in around 5 minutes
No impact on your credit rating
We use a soft search, which won't affect your credit rating
Just so you know
To get an overdraft with us, you’ll need to be over 18 and live in the UK. This eligibility tool looks at your eligibility for an Overdraft as an individual.
How we calculate your eligibility
Your eligibility is the combination of your credit score, and the details you give us. That's why it's important to answer the questions as accurately as you can. Doing so will make your result more reliable, too.
Before you begin
Your overdraft eligibility is an estimate, and it's based on the information you give us. This means we can't guarantee you'll be offered an overdraft amount, or at all.
The soft credit check is just an initial look at your financial situation, so it won't affect your credit rating at all. You'll see the search if you check your credit file, but lenders won't.
Your score is only valid at this time and if your circumstances change your likelihood of acceptance may be affected.
If you decide to apply for an overdraft, that's when we run a full credit check. This is a full analysis of your credit history and, unlike the soft check, it'll be visible on your credit report.
If you're eligible for an Overdraft and for what amount depends on the results of the full credit check.