Bank Accounts with Overdrafts - Best Accounts | moneyfacts.co.uk

Overdraft Accounts

  - Compare the best bank accounts with overdrafts as chosen by our team of independent experts.

Compare the Best Accounts with Overdrafts

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Overdraft Rate (EAR)Account FeeAdditional InformationSearch all
146 accounts

15.90%
Fee: £0.00
£10.00 pm
  • No authorised overdraft fees
  • No interest paid on credit balances
  • Switch Service Guarantee member
Details...
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. Representative Example: Based on an overdraft limit of £500. Up to £250.00 charged at 0.00% EAR Variable. Over £250.00 charged at 15.90% EAR Variable. Overdraft fee of £0.00 Per Request.

15.90%
Fee: £0.00
None
  • Low authorised overdraft interest rate
  • No interest paid on credit balances
  • Switch Service Guarantee member
Details...
. Representative Example: Based on an overdraft limit of £500. Up to £100.00 charged at 0.00% EAR Variable. Over £100.00 charged at 15.90% EAR Variable. Overdraft fee of £0.00 Per Month.

14.60%
Fee: £0.00
None
  • No funding requirement. No overdraft fees
  • No credit interest and no account benefits
  • Switch Service Guarantee member
Details...
. Representative Example: Based on an overdraft limit of £500 charged at 14.60% EAR Variable. Overdraft fee of £0.00 Per Month.

15.94%
Fee: £0.00
None
  • Switch for interest free overdrafts for first 3m
  • No interest paid on credit balances
  • Switch Service Guarantee member
Details...
. Representative Example: Based on an overdraft limit of £500 charged at 15.94% EAR Variable. Overdraft fee of £0.00 Per Month.

18.90%
Fee: £0.00
None
  • Cashback on operating account
  • No interest free overdraft buffer
  • Monthly funding of £800 required
Details...
. Representative Example: Based on an overdraft limit of £500 charged at 18.90% EAR Variable. Overdraft fee of £0.00 Per Month.

18.90%
Fee: £0.00
None
  • Credit interest paid and Clubcard points awarded on card purchases
  • Internet applications only
  • Switch Service Guarantee member
Details...
. Representative Example: Based on an overdraft limit of £500 charged at 18.90% EAR Variable. Overdraft fee of £0.00 Per Month.

18.90%
Fee: £0.00
None
  • Existing customers who refer a friend both receive £100 when switching completed
  • Must fund account at least £750 each month
  • Switch Service Guarantee member
Details...
Go to Site
. Representative Example: Based on an overdraft limit of £500 charged at 18.90% EAR Variable. Overdraft fee of £0.00 Per Month.

19.90%
Fee: £0.00
None
  • No authorised overdraft fees
  • £500 per month funding requirement
  • Switch Service Guarantee member
Details...
. Representative Example: Based on an overdraft limit of £500 charged at 19.90% EAR Variable. Overdraft fee of £0.00 Per Request.

12.50%
Fee: £6.00 Per Month
None
  • Credit interest payable up to £2,000
  • Cannot open via internet
  • Switch Service Guarantee member
Details...
. Representative Example: Based on an overdraft limit of £500 charged at 12.50% EAR Variable. Overdraft fee of £6.00 Per Month.

12.50%
Fee: £6.00 Per Month
£13.50 pm
  • Free worldwide insurance for phones and gadgets
  • No interest on credit balances
  • Switch Service Guarantee member
Details...
Go to Site
. Representative Example: Based on an overdraft limit of £500 charged at 12.50% EAR Variable. Overdraft fee of £6.00 Per Month.
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Last Updated: Tuesday 30 May 2017 00:41

Moneyfacts.co.uk Best Buys show the best products chosen by our independent experts. Where we have been able to we have also provided a link for you to apply online today. Products shown with a yellow background are sponsored products.

Disclaimer:

All overdrafts are subject to the applicant’s status. You may not be offered credit. All rates and fees are subject to change without notice. Please check all rates and terms before borrowing.

Moneyfacts.co.uk Limited is an independent credit broker not a lender. We will receive a payment from credit providers where customers link to them from Moneyfacts.co.uk. None of these arrangements affects our independence.

 

What is an Overdraft Account?

Many current accounts offer overdraft facilities.

If you have arranged for an overdraft facility on your bank account, you will be charged what is called an authorised overdraft rate. You agree an amount up to which you can go overdrawn and will be charged the authorised rate if you remain within this authorised limit.

If you have not arranged an overdraft facility or have exceeded your authorised limit, you will be charged interest at the unauthorised overdraft rate. This rate can be much higher than the authorised rate. You may also be charged a fee for being overdrawn.

Read more about how an overdraft works here
 
 
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