Overdraft cost calculator
See how much using an overdraft could cost you
This calculator is for illustrative purposes only based on the information provided. Calculations assume the level of overdraft borrowing is constant for each overdrawn day. The following fees are excluded, so the actual overdraft cost may be higher: fees for allowing or refusing a payment.
Overdrafts depend on your circumstances and you must repay any overdraft when we ask in line with our General Terms and conditions. Acceptance is not guaranteed.
Accounts which don't offer an overdraft facility are not included in the calculator.
Please refer to your product literature for specific product details.
APR stands for Annual Percentage Rate. It shows the overall cost of credit as an annual rate of charge, taking into account the interest, charges and any other costs involved in getting credit. It doesn’t include any other fees and charges.
EAR stands for Effective Annual Rate and represents the yearly cost of an overdraft, which takes account of how often we charge interest to the account, and does not include any other fees or charges.