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Overdraft Alerts Service

From 20th June 2018, we will start to send overdraft text alerts.

This is a requirement from the Competition and Markets Authority (CMA) to notify customers either before they go into or when they have entered into an unarranged overdraft. An unarranged overdraft could result in customers incurring charges and/or paying interest. We also want to offer customers support when it comes to managing their money and reducing charges.

What are overdraft alerts?

An overdraft alert is a text message we send to let you know that:

  • You may go into an unarranged overdraft that working day
  • You have entered into an unarranged overdraft
  • You don’t have enough funds in your account to make all of your scheduled payments that working day.

The message is to give you the opportunity to pay in sufficient funds and bring your account balance back to either a positive balance, or within your arranged overdraft limit. This is to help you reduce or avoid charges and/or paying interest.

They will be sent to all personal current account customers who have registered their mobile phone number with us, with the exception of those who have a Cashminder account.

We will not charge you for receiving these text messages, however you may want to check with your network provider as they may charge you in certain circumstances, for example if you are abroad.

How can you opt in or opt out?

Any eligible personal current account holder that has provided us with a mobile phone number will automatically be opted in to the Overdraft Alerts Service. If you have a joint account, both account holders will be automatically opted in providing you have both registered individual mobile numbers.

Once we have launched this service, you may also choose to opt out of or opt back into receiving the alerts at any time. To do this, you’ll need to contact us.

Are these different to the alerts you already get?

Yes, these are different to the balance or low/high limit alerts you can set up in the mobile app. You can have both sets of alerts active at the same time.

Useful links

Update / register your mobile phone number with us:

To make sure you are automatically opted in to the Overdraft Alerts Service, you can update/register your mobile phone number via online banking. Once you have logged in, go to ‘Profile’ and select ‘change your contact details’.

Note: You will need your card reader and a valid debit card to update/register your mobile phone number. If you don’t have a card reader or valid debit card, you can request a new one by chatting to us via live chat once you are logged in to online banking.

Alternatively, you can contact us.

How to regularly manage your account:

It’s important that you can access your money, wherever you are. Take a look at the many ways you can bank with us.

Financial support:

We’re always happy to provide support for customers who need it. If you are experiencing financial difficulties, please call us on 0344 844 8899. Lines are open 8am-8pm Monday to Friday, 9am – 5pm Saturday’s. Call charges. For more information on how we can help, visit our financial help page.