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 is £50. Further details can be found online at Monthly Maximum Charge (MMC)

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