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Your existing overdraft

Change your arranged overdraft limit

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Changing your overdraft limit won’t take long

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.

Things to keep in mind

If you reduce your overdraft too much, you might go into Unarranged Overdraft. Here’s an example of Unarranged Overdraft costs.
You could also use out handy Cost calculator to see how much an arranged or unarranged overdraft would cost based on your circumstances.

Tips to help you change your overdraft limit online

How to change your overdraft

Review your personal details

As you’re changing a form of debt, we have to go through a formal request process. We'll ask to review your personal details first.

Increase, reduce or remove your limit

Tell us what you want your new overdraft limit to be. If you're increasing your limit, your request will be subject to credit assessment.

When will my new limit be ready?

When you complete your request and it's approved Mon to Thu before 5.30 pm, your new limit will be available the next working day. Anytime after this - up to 2 working days.

Ready? Let's get started

Our online application is available between 6.30am and 9.45pm

What would you like to do today?

Do you have Online Banking?

Great! Before you continue...

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.

Looks like you're all set. Let's get going

To change your Arranged Overdraft limit online you need to be registered for Online Banking.

Do you have Online Banking?

Great! Looks like you're all set and ready to go.

To change your Arranged Overdraft limit online you need to be registered for Online Banking.

What kind of current account do you have with us?

Do you have Online Banking?

To apply online, you must:

  • Be aged 18+ and living in the UK
  • Have not been declared bankrupt in the last 6 years

Important Information

Please take some time to review, print and/or save the important information. By clicking that you're ready to continue, you are confirming that you have been provided with, and acknowledge our important documents

Are you ready to continue?

Great! Looks like you're all set and ready to go.

To change your Arranged Overdraft limit online you need to be registered for Online Banking.

Do you have Online Banking?

To apply online, you must:

  • Be aged 18+ and living in the UK
  • Have not been declared bankrupt in the last 6 years

Important Information

Please take some time to review, print and/or save the important information. By clicking that you're ready to continue, you are confirming that you have been provided with, and acknowledge our important documents

Are you ready to continue?

Great! Looks like you're all set and ready to go.

To change your Arranged Overdraft limit online you need to be registered for Online Banking.

To apply online, you must:

  • Be aged 18+ and living in the UK
  • Have not been declared bankrupt in the last 6 years

Important Information

Please take some time to review, print and/or save the important information. By clicking that you're ready to continue, you are confirming that you have been provided with, and acknowledge our important documents

Are you ready to continue?

Great! Looks like you're all set and ready to go.