If you request the interest free amount, we'll also reduce your overdraft interest rate that you'll pay for any borrowing above your interest free amount for the same period.

The interest rate will be the temporary reduced rate that was in place prior to 7th August 2020.

Compare your contractual and temporary reduced rate.

Please note, this isn’t a change to your overdraft terms.

What if I've already requested the interest free amount?

If we’ve already agreed an interest free period on your overdraft as part of the coronavirus support on or before 1st July 2020, we’ll automatically extend this for you for a further 3 months from when your interest free period was due to end - so, you don’t need to reapply.

We’ll also keep your interest at a temporary reduced rate, on any borrowing above your interest free amount for the same extended time period. This will happen automatically. If we have a mobile phone number for you, you should have received an sms in July to confirm this.

It’s important to remember that after the further 3-month period ends, we’ll start to charge interest at your contractual rate on the full overdrawn balance.

Compare your contractual and temporary reduced rate.



These are temporary measures to support customers who are financially impacted by coronavirus

It's important to remember that after the 3 month period ends, we’ll start to charge interest at our standard rate on the full overdrawn balance.

You can use our overdraft cost calculator to check what your interest rate will be and what an overdraft would cost you based on your circumstances when the temporary measures end.

How do I make the request?

If you have an overdraft with us, just fill in a few details to make the temporary interest free and lower rate request. Have your account number and sort code to hand.

For more information, please visit our Overdraft coronavirus support page.