Your overdraft

When your budget is overstretched, going into the red shouldn't leave you red-faced. So with our current accounts you can apply for an overdraft or an increase in your overdraft in Online Banking*.

How to apply for an overdraft

If you use Online Banking, request an overdraft or increase your overdraft:
Arrows Log in to Online Banking

If you're not an Online Banking member:
Arrows Sign up for Online Banking

You can also apply in branch:
Arrows Find my nearest branch

Student or graduate?

If you hold a student or graduate account, find out more about your overdraft.

Student overdrafts
Graduate overdrafts

Current Account	Interest free overdraft?	EAR % typical variable
Barclays Bank Account†	No	19.3%
Current Account Plus†	Yes - 0% up to £300	16.9% on agreed amounts over £300
Additions Active†	Yes - 0% up to £300	14.9% on agreed amounts over £300
Premier Life	Yes - 0% up to £1,000	12.9% on agreed amounts over £1,000

How to apply or increase an overdraft

Existing Online Banking customer?	Not an Online Banking customer?

Did you know about Personal Reserve? Personal Reserve* is an extra agreed amount for those little emergencies, for example when you need to go overdrawn or exceed your agreed overdraft limit. With it we aim to help you avoid having transactions returned unpaid and the associated fees.

* Overdrafts and Personal Reserves are subject to status and application. All borrowing is repayable on demand. EAR means Equivalent Annual Rate.

† The maximum overdraft on these accounts is £5,000.

Please read the important information and about our overdraft rates and charges. You pay no interest until you use your overdraft. Then you're just charged interest on the amount you've borrowed - as long as you're within your limit.

If you have taken optional Overdraft Payment Protection Insurance, you will continue to pay the monthly cost whether or not you use your overdraft.