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.

Find out more about how we use your information - PDF 91KB (opens in a new window)

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.


You’ll only receive one text alert when you enter an arranged or unarranged overdraft. We won't send you another text alert, even if you stay in your overdraft.


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.

If you can't view the whole table, swipe or scroll to show more > > >

Table showing the type of overdraft related text alerts that apply to each of our current accounts.
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.

Or you can visit us in branch or contact us and we can opt you out.

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

  1. Log in to the Banking app.
  2. From the menu, choose Details and settings .
  3. Select Text alerts.
  4. Choose the optional alerts you'd like to turn on or off.

In the Internet Bank

  1. Log in to the Internet Bank.
  2. From the Manage my details and settings menu, choose Text alerts
  3. 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.