Financial Conduct Authority overdraft fee scenarios

Please note the table below refers to overdraft fees. For a full list of overdraft fees that could apply to your account see our interest rates and charges leaflet.

Example Overdraft Scenarios FlexAccount overdraft fees FlexDirect overdraft fees FlexPlus overdraft fees FlexBasic overdraft fees FlexOne overdraft fees FlexStudent & FlexGraduate overdraft fees
1 We refuse a payment from your account because there is not enough money in your account £5 £5 N/A £0 £0 £0
2 A payment from your account takes you into an unarranged overdraft* by less than £10. You are overdrawn for one day during the month. £0 £0 £0 £0 £0 £0
3 A payment from your account takes you into an unarranged overdraft* and you make another payment from the account while you are overdrawn. You are overdrawn for two days in a row during the month. £10 £20 £10 £0 £0 £0
4 A payment from your account takes you into an unarranged overdraft*, and you make nine or more payments from the account while you are overdrawn. You are overdrawn for 10 days in a row during a month. £45 £50 £50 £0 £0 £0
5 A payment from your account takes you into an unarranged overdraft*. You are overdrawn for one day. However, on three more occasions during the month, a payment takes you into an unarranged overdraft. On each of these occasions you are overdrawn for three days. £20 £50 £45 £0 £0 £0
6 A payment from your account takes you into an unarranged overdraft*. You are overdrawn for 21 days in a row during the month and you make 12 more payments from the account while you are overdrawn. £45 £50 £50 £0 £0 £0

*The monthly cap on unarranged overdraft charges for a FlexAccount, FlexDirect and FlexPlus is £50. Further details can be found online at Monthly Maximum Charge (MMC)'