Your cookie settings

Cookies are very small text files that some websites store on your computer when you visit them.

Cookies do lots of different jobs, like letting you navigate between pages efficiently and remembering your preferences.

We use cookies on our website to make your browsing experience better. By using this website you accept our use of cookies in accordance with the settings below.

Your allowed cookies:

Strictly Necessary are always allowed by default.

Table goes here
More information about cookies

Your overdraft

Personal Loans

Find out how much an overdraft could cost you

About overdrafts

What it could cost
How our overdrafts work
Managing your money

See if you can apply for an overdraft in Online Banking.

Not all customers can apply for an overdraft online and certain restrictions apply.

A short-term safety net

Our overdrafts offer a short-term way to borrow money up to an arranged limit. We make it easy for you to work out how much they could cost and provide a number of ways to help you manage your money.

  • Clear daily fees – only one a day
  • Free Text Alerts to keep track of your finances
  • £15 buffers to help you avoid fees
  • Budget planners, practical support and more through our money management hub

 

What it could cost

Using our calculator, you can see how much an overdraft and Emergency Borrowing could cost over a period of up to 31 days. Please note that this information is for illustrative purposes only. It doesn’t include any associated fees, eg monthly current account fees.

Overdrafts over £15,000 have a set-up fee of 1.5% of the arranged overdraft limit and a renewal fee of 1.5% of the limit will also be applied annually. These fees are in addition to the daily overdraft fees.

If your overdraft has a fee-free amount and you go over that amount, daily fees will be charged on the whole balance of your arranged overdraft.

Overdraft calculator

Please enable JavaScript to use this application.

Daily fees

Overdraft balance

Emergency Borrowing

    Overdraft

    ?
    ?
    • Emergency Borrowing isn’t available for the overdraft amount you’ve selected. To apply for this, you’ll need to increase the overdraft amount.
    • Emergency Borrowing isn't available for the overdraft amount you've selected. To apply for this, you'll need to decrease the overdraft amount.

    Emergency Borrowing

    • The amount of Emergency Borrowing available depends on the overdraft amount you select. Their combined total can’t exceed for this account. To avoid higher fees, we recommend that you take advantage of the entire overdraft amount available before applying for Emergency Borrowing.
    ?
    ?

    Your results

    • Total borrowing: £0
    • Total days used: 0 days
    • Total cost: £0.00

    Charges breakdown

    There are no charges.

    • Overdraft Charge
      • Emergency Borrowing

        Representative Example ()

        Fee-free overdraft up to £300 (subject to application and status) while you stay within that limit.

        Up to £300 fee-free. If you use an overdraft of £1,200, you'll be charged £1.50 a day when you use it.

        Fee-free overdraft up to £1,000 (subject to application and status) while you stay within that limit.

        Up to £1,000 fee-free. If you use an overdraft of £1,200, you'll be charged £1.50 a day when you use it.

        Fee-free overdraft up to £3,000 (subject to application and status) while you stay within that limit.

        For your 2nd year after graduation: Up to £2,000 fee-free. If you use an overdraft of £2,200, you'll be charged £1 a day when you use it.

        Fee-free overdraft up to £2,000 (subject to application, status and residency) while you stay within that limit.

        Up to £2,000 fee-free. If you use an overdraft of £2,200, you'll be charged £1 a day when you use it.

        Emergency Borrowing Representative Example (based on )

        Emergency Borrowing of £100 used for 10 days, with an overdraft of £1,200.

        Fee of £5 per day, capped at 7 days giving a total of £35, plus 3 days at £1.50 giving a total of £4.50 and an overall total of £39.50.

        Emergency Borrowing of £100 used for 10 days, with an overdraft of £1,200.

        Fee of £5 per day, capped at 7 days giving a total of £35, plus 3 days at £1.50 giving a total of £4.50 and an overall total of £39.50.

        Emergency Borrowing of £100 used for 10 days, with an overdraft of £2,200 in 2nd year after graduation.

        Fee of £5 per day, capped at 7 days giving a total of £35, plus 3 days at £1 giving a total of £3 and an overall total of £38.00.

        Emergency Borrowing of £100 used for 10 days, with an overdraft of £2,200.

        Fee of £5 per day, capped at 7 days giving a total of £35, plus 3 days at £1 giving a total of £3 and an overall total of £38.00.

        See if you can apply for an overdraft in Online Banking.

        All borrowing is subject to application and status. You must be 18 or over to apply. Overdrafts and Emergency Borrowing are repayable on demand. All charges are variable on notice. Not all customers can apply for an overdraft and certain restrictions apply.

        How our overdrafts work

        Our aim is to make borrowing through our overdrafts simple, clear and transparent, and to offer you helpful tools and support in managing your money. You'll find additional information below about the features and benefits of our overdrafts available to you.

        Please note, people often underestimate how long they’ll need an overdraft for. If you apply for an overdraft, please think carefully about the amount of time you’ll need to use it. You should only borrow what you need and can afford to repay.

        What is Emergency Borrowing?

        Emergency Borrowing lets you borrow an extra arranged amount if you need to go over your overdraft limit once in a while.

        It costs £5 a day, and you only pay if you use it. The £5 fee is capped at 7 days each monthly charging period, so using your Emergency Borrowing will never cost you more than £35 a month.

        If you've reached the 7-day cap and you have an overdraft, you'll then be charged the appropriate daily overdraft fee for the rest of that monthly charging period.

        What is the £15 'buffer'?

        We provide £15 buffer zones to help you avoid paying a higher fee. So:

        • If you go overdrawn by £15 or less, you won't pay a fee
        • If you exceed your overdraft and go into Emergency Borrowing by £15 or less, you won't pay the £5 Emergency Borrowing fee. Instead you'll pay the daily overdraft fee
        • And, if you exceed your Emergency Borrowing and a debit payment of £15 or less comes into your account, you won't pay the Unpaid Transaction Fee. Instead you'll pay the £5 Emergency Borrowing fee.
        Clear daily fees – only one per day

        If you're facing a number of different charges on your overdraft in any one day, we’ll only charge you a single fee – whichever is the highest.

        So, for example, if you've exceeded your overdraft limit, gone over your Emergency Borrowing limit and had a transaction returned as unpaid all on the same day, we’ll only charge you the £8 Unpaid Transaction fee.

        How to reduce your charges

        We provide a number of tools that can help you to avoid charges – free Text Alerts , a £15 buffer zone, the Barclays Mobile Banking app , Online Banking and a grace period to pay money into your account and avoid fees. If a payment takes you over your limit, you’ll have until 3pm that day to pay enough money into your account to make the payment and avoid a fee. The money needs to be immediately available to use, so you can transfer money from another account using mobile, online or telephone banking or you can pay cash over the counter in branch.

        We also offer Control Feature which helps you to avoid paying Unpaid Transaction Fees for an £8 monthly fee. If we can't make a payment because there isn't enough money in your account, the payment will still be returned as unpaid but you won't be charged.

        If you're struggling financially

        If you're getting into financial difficulties, we're here to help. Our Money Management section provides practical steps for reviewing your finances and suggesting a way forward for sorting out any problems you may have. You can also speak to one of our Personal Bankers in branch or call us on 0345 734 5345 1.

        Changing or cancelling your overdraft

        If you want to cancel or reduce an overdraft, you can either do this in branch or through Telephone Banking, if you're registered for this service, on 0345 734 5345 1.

        If you want to apply for an increase in your overdraft, you may be able to do this online , over the phone or in branch . If you apply in branch, please bring your previous 2 months'/8 weeks' payslips and a recent statement for the account your income is paid into, if it's not a Barclays account.

        Tools and tips to help you manage your money

        Money Management

        Money management

        If you’re concerned about your finances, we can help you manage your money through budgeting tools and support.

         

        Text alerts

        Text Alerts

        Our range of free Text Alerts has helped many customers to avoid paying borrowing fees.

        Personal Loans

        Personal loans

        If you're looking to borrow for a longer amount of time, we offer a range of personal loans that may better suit your needs.

         

        Important information

        1. To maintain a quality service, we may monitor or record phone calls. Read our call charges and information .

        Barclays Bank PLC. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (Financial Services Register number: 122702). Barclays Bank PLC subscribes to the Lending Code which is monitored and enforced by the Lending Standards Board. Further details can be found at www.lendingstandardsboard.org.uk. Barclays Insurance Services Company Limited is authorised and regulated by the Financial Conduct Authority (Financial Services Register number: 312078).

        Barclays Bank PLC. Registered in England. Registered no. 1026167. Barclays Insurance Services Company Limited. Registered in England. Registered no. 973765. Registered office for both: 1 Churchill Place, London E14 5HP. ‘The Woolwich’ and ‘Woolwich’ are trademarks and trading names of Barclays Bank PLC. Barclays Business is a trading name of Barclays Bank PLC.


         

        Barclays Premier League

        Proud sponsors of the Barclays Premier
        League & the Barclays ATP World Tour Finals

        Barclays APT  World Tour Finals