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Borrowing Services important information

If you are over 18 and think you will need to use our borrowing services as part of your personal account, you should contact us as soon as possible to discuss whether we can provide you in advance with an overdraft, a Personal Reserve or both.

If we provide you with an overdraft and/or a Reserve, you should make regular payments into your account so that the amount you owe us is reduced. If you do not do this, we can require you to do so.

If we decide not to provide you with borrowing services, then (subject to any applicable payment buffers) any payments you make that would take your personal current account overdrawn will be returned unpaid, unless they are Guaranteed Transactions.

When we agree to provide you with an overdraft and/or Reserve we shall confirm to you in writing the limit of your overdraft and/or Reserve, together with the fees and interest rates that are payable when you use them.

All overdrafts are subject to status and application.