Log in to Personal Banking Skip to content
  1. Home
  2. Help & info
  3. Accounts
  4. Current account
  5. Overdrafts
  6. What happens if I go over my overdraft limit?

Help & info

Just type in your query, or have a look at the list of popular questions below.

What happens if I go over my overdraft limit?

If you go over your overdraft limit, we refer to this as an 'Unarranged overdraft'. Information on the charges for this service can be found on our overdrafts page.

If you have a valid mobile number registered with us, to help you manage your account and avoid / reduce charges, we will automatically send an overdraft text alert to notify you when you are about to enter, or when you have entered into an unarranged overdraft. The alerts will also be sent when you don’t have enough funds in your account to make all of your scheduled payments that working day. This will give you the opportunity to pay in sufficient funds to bring your account balance back to either a positive balance, or within your arranged overdraft limit. Please note, text alerts are not sent on Cashminder accounts.

If you haven't already, you can register your mobile phone number via online banking or our mobile app.


Online banking
1. Log in to online banking.
2. Once you have logged in, go to ‘Profile’ and select ‘Change your contact details’.
3. You’ll need to enter your password, 6-digit security code and a verification code we will send to you by text message or email. It's important that you never tell anyone your verification code. When changing your contact details, we will send a verification code to the contact details we currently have for you, not your updated details. Please allow 1 Business Day for your phone number to be updated.


Use our mobile app
1. Log in.
2. From the "My settings and details" page, choose "Update number or email" at the bottom of the page. We will ask you to verify the change by using your fingerprint, passnumber or Face ID. Please allow 1 Business Day for your phone number to be updated.

Alternatively, you can call us on +44(0)3457 212 212 (Call Charges). Lines are open 8am to 8pm, 7 days a week. Call us from the UK and abroad.

Find out more about the Overdraft Alerts Service.

If you have opted into Everyday Rewards and you go over your arranged overdraft limit on your nominated account, you will not earn rewards that month.

Was this article helpful?

Thank you for your feedback

We will use your feedback to improve our answers. For further assistance Contact us

Thank you for your feedback

We will use your feedback to improve our answers. For further assistance Contact us

Related Articles

  • How often will I receive overdraft text alerts?

    You will receive an overdraft text alert either before you go into or when you enter into an unarranged overdraft. The alerts will also be sent when you don’t have enough funds in your account to make all of your scheduled payments that working day.
    Learn more

  • Are overdraft text alerts secure?

    Yes, they are secure. The text message will come through with the name ‘Co-optiveBk’ as the sender and we’ll only include the last four digits of your account number
    Learn more

  • Can I opt back into receiving overdraft text alerts if I have opted out?

    : Yes, you can opt back into receiving overdraft text alerts at any time.
    Learn more