The costs shown in our calculator are a guide. The real cost of your arranged overdraft will depend on how you use it.

How our overdraft calculator works

The calculator assumes you’ve borrowed one fixed amount for all the days you’re overdrawn. But you may find you dip in and out of your arranged overdraft instead or use more and more as the month goes by. The calculator also doesn't factor in any free periods if your account has an offer, so the actual cost of your arranged overdraft could be lower.


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