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Temporary arranged overdraft support

Information you need to know

We can no longer accept applications for temporary pricing support on arranged overdrafts as the deadline for new applications was 27 April 2024.

Any customer who applied for the 6-month extended temporary support prior to the 27 April 2024 deadline, will receive correspondence from us detailing the dates the support is in place on your account(s). These temporary measures are not a change to your contractual terms, which remain the same.

After the temporary support period is over, we’ll start to apply our standard overdraft pricing again. Here’s a reminder of what that is:

Current account Interest free amount Interest rate above the free amount
Current accountOverdraft pricing after the temporary support period Interest free amount£250 Interest rate above the free amount39.9% EAR variable


Representative example: 0% EAR (variable) on the first £250, 39.9% EAR (variable) on anything above that, giving a representative annual percentage rate (APR) of 30.5% APR (variable). Based on an arranged overdraft of £1,200.

It’s worth bearing in mind these rates won’t apply if you have an account with a ‘negotiated rate’ (where we’ve agreed a different rate for your overdraft with you).

Use our overdraft calculator to find out how much an overdraft through your 1st Account could cost over a period of up to 31 days. 


Overdraft Cost Calculator



Where can I get help or advice?

If you’re worried about your overdraft, head over to our money worries page for more information and guidance, or call our dedicated Financial Support team who are here to help.

Call 03 456 100 188

We’re here Mon to Fri 8am to 6pm and Sat 8am to 4pm.

You can also get free independent advice from: