1. Home
  2. Current accounts
  3. Overdrafts
  4. Overdraft calculator

Overdraft support for personal current account customers

The annual rate of interest applicable to any arranged/unarranged overdraft is 35.9%, with the exception of any interest free overdraft amount applicable if you hold a Privilege, Privilege Premier, Student or smilemore account, as set out in your Overdraft Terms and Conditions.

If you require support due to the financial impacts of Coronavirus, you can apply for an interest waiver.

Find out more and how to request an interest waiver

Overdraft calculator

This tool will help you to understand what you’ll be charged when you use an overdraft. We’ll calculate how much interest you might pay on an arranged and/or unarranged overdraft.