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Current Accounts

How do I request an overdraft on my current account?

You can apply for an overdraft online or by phone.


The decision is usually immediate and, if you're successful, the overdraft will be added to your account straight away.


Apply online

Log in to Online Banking and select Manage account from the Online Banking Overview.


Select Apply for an overdraft from Your account preferences.


Enter the overdraft amount you'd like to apply for, then Submit.


We'll let you know the amount of the arranged overdraft we'll offer you. Please note, this may be less than the amount you applied for.


If you want to accept the overdraft offer, read and confirm you've read the important information, then Submit.


To find out more about applying for an overdraft online, you can watch our ‘Manage your account’ demo video.


By phone


Call us on 0345 835 3353* (or minicom 0345 366 6471*).


Lines are open 24 hours a day, seven days a week. Calls may be recorded. 


*This number may be included as part of any inclusive call minutes provided by your phone operator.

Version History
Revision #
6 of 6
Last update:
‎15-08-2016 04:33 PM
Updated by:
I am trying to apply for a small overdraft with my account. But I can't find it in my account prefences as you say above. What do you suggest I do.

Hi Sarah,


Sorry this hasn't worked for you. I've informed my manager that the journey described above hasn't worked for you so we can look at fixing this (or at least the instructions).


I'd advise in the mean time you can either go to the website, click the 'Bank' menu at the top left (without logging in), click 'Overdrafts' and then below the Overdraft calculator, you'll see an option to log in. If you take this log in route, you will be redirected to the overdraft apply screen of your online banking.


Alternatively you can contact our Current Account team on 0345 835 3353 who are open 24/7 and they'll help you to apply over the phone.


Hope this helps


Steven - Customer Care Team


I am having the same problem. I have a joint account and I am trying to increase the OD limit. All I have is 'manage your overdraft'


i click on that link and all I get is a message saying 'Sorry, we're unable to offer you the overdraft you requested. If your circumstances change we can consider a new request.'


any ideas?

Hi @crjohnson1981


Please send a private message to @CET with your full name, DOB and postcode so we can help with this. You can also apply for an arranged overdraft by giving our Current Account team a call on 0345 835 3353 (24/7)


Please note: don't include the @ symbol when putting in the contact details via private message, just CET.


For details like your DOB, postcode and phone number, we ask for you to format it with additional spaces, i.e. A B 1 2 C D, 2 4 1 0 2 0 1 6 and 0 7 1 2 3 4 5 6 7 8 9 otherwise the information is removed by the system. 






I have just been accepted for a new current account but not been offered an overdraft, a little disappointed considering I have a Tesco credit card and have always paid on time and have never spent any where near the credit limit.

is this something that is reviewed? 

Hi @t3ded there are other factors that contribute to whether an overdraft is offered, not just if you have other accounts with us and how they're managed If you call 0345 835 3353 we can put through an overdraft appeal which then gets reviewed again by our team. They would then get back to you with an update on whether the decision has changed or remained the same.