We don't recommend anyone should go into an unarranged overdraft. When this happens, we'll look at your circumstances when we’re deciding whether to allow any further payments from your account. However you will need to bring your account back within your limit to use it again.

• The balance in the account is £0.00 on the day you use the overdraft;
• You borrow all of the overdraft amount at midday today and use it continuously for the total number of days set out above;
• Any charges and interest due on the amount borrowed will be deducted from the account in accordance with the account terms and conditions.
• You will repay the overdraft amount borrowed, including any outstanding interest and charges, in full at midday on the last day of the period set out above;
• During the period:
  • Nothing will be paid into the account;
  • There will be no further payments out of the account;

• Overdrafts are repayable on demand. This means you will have to repay the overdraft in full when asked to do so. You may need to provide security for overdrafts.
• Whether we provide credit depends on your circumstances. You must be 18 or over. Lending terms and conditions apply.
• This is not a commitment to lend.