When you spend more money than you have in your current account and haven't agreed an Arranged Overdraft limit beforehand, or gone over your existing Arranged Overdraft.
What are the fees that I would be charged for using an Unarranged Overdraft?
There are two types of fees you may be charged if you enter an Unarranged Overdraft:
We won’t charge you more than £80 in a monthly charging period for an unarranged overdraft or any unpaid transactions.
Unarranged borrowing fees explained
||Maximum number of fees per charging period
|Unarranged Overdraft Usage Fee (for Unarranged Overdrafts of more than £10)
||£8 per day
|Unpaid Transaction Fee
|Monthly Maximum Charge