We’ll send texts to your mobile to help you keep track of your account. Some of these text alerts need to be opted into, and some will be sent automatically as long as we have your mobile number. You can stop text alerts at any time.
You can register your mobile number with us at your nearest branch or by updating Your Details in the Internet Bank.
If you’ve already registered your mobile number you can also change it by updating Your Details in the Banking app or Internet Bank.
It might take up to 24 hours for updates to take effect, so your old number may still continue to receive text alerts during this time.
The text alerts you automatically receive
If your mobile number is registered with us, you’ll automatically receive an alert if:
- we suspect you've been a victim of a fraud. For more information, visit our fraud and security page
- you have entered, or are about to enter, your arranged overdraft
- you've entered an unarranged overdraft and need to credit your account
- there isn't enough money in your account to make a payment.
If you have a power of attorney in place, and your attorney(s) has a UK mobile number registered with us, the texts will also be sent to them.
Overdraft text alerts
For our everyday accounts, these text alerts will be sent automatically unless you have opted out or we don't have your mobile number.
We don’t charge for our text alert service, but your service provider may charge you if you receive text alerts outside of the UK.
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|Text alert type||Everyday accounts (FlexPlus, FlexDirect and FlexAccount)||Youth and student accounts (FlexOne, FlexStudent and FlexGraduate)||FlexBasic|
|You have a scheduled payment coming out tomorrow that will take you into an arranged overdraft||Yes||Yes||N/A|
|You have a scheduled payment coming out today that will take you into an arranged overdraft||Yes||Yes||N/A|
|You entered an arranged overdraft yesterday||Yes||Yes||N/A|
|Your scheduled payment was declined this morning, but if you put money in by 2:30pm we'll retry the payment||Yes||Opt-in only||Opt-in only|
|You entered an unarranged overdraft yesterday, and you'll need to credit your account to continue to use it||Yes||Yes||Yes|
How to opt out of automatic overdraft text alerts
You can opt out of these text alerts at any time using the following methods:
- Text STOP Arranged to 65037 to stop receiving messages about arranged overdrafts.
- Text STOP Unarranged to 65037 to stop receiving messages about unarranged overdrafts.
- Text STOP to 65180 to stop receiving payment retry alerts.
If you change your mind and would like to be opted back in at any time, you can do this in branch or over the phone.
Additional text alerts you can opt in to
These alerts help keep track of your balances.
- High balance alert. Set a high balance value. We’ll let you know when the balance reaches that amount. It’s a simple way of knowing when your salary is available to draw.
- Low balance alert. We’ll text when your balance is close to 0 or near an arranged overdraft limit or pre-set amount that you choose.
- Mini statement alert. Get your balance and last 5 transactions texted to you every week or month, whichever you prefer.
High and low balance text alerts are normally sent between 8am and 10am.
How to opt in or opt out of additional text alerts
You can do this at your nearest branch, or:
Using the Banking app
- Log in to the Banking app.
- From the menu, choose Details and settings .
- Select Text alerts.
- Choose the optional alerts you'd like to turn on or off.
In the Internet Bank
- Log in to the Internet Bank.
- From the Manage my details and settings menu, choose Text alerts
- Switch on the alerts.
Once you've registered, we'll send you a welcome message. This normally arrives the same day between 8am and 8pm.
If you opt out of overdraft text alerts on one current account, the alerts will stop for all of your accounts.