Overdraft calculator

See the costs for using an arranged overdraft

Temporary cap on arranged overdraft charges

We're temporarily capping overdraft interest charges on personal current accounts at £180 per monthly charging period until further notice.

This doesn't change the terms of your overdraft agreement.

Overdraft calculator

Please choose an account

All borrowing
35.0% Annual rate of interest

Arranged overdraft amount

Unarranged overdraft amount

I'm usually in my overdraft for (Please select)

days per month

Breakdown of overdraft charges

Arranged overdraft amount	Total days used
£0	0

Total cost of arranged overdraft	Unarranged borrowing
£0	£0

Please note the breakdown of charges doesn’t include any monthly Pack fees.

If you use an arranged overdraft of £1,200, the annual rate of interest that we will charge you is 35.0% (variable), 35.0% APR Representative (variable).

0% interest (variable) payable on arranged overdrafts up to £100.

If you use an arranged overdraft above this amount the annual rate of interest is 35.0% (variable).

51.6% APR Representative (variable), based on a £1200 overdraft balance and assuming monthly Tech pack fees of £14.50.

0% interest (variable) payable on arranged overdrafts.

0% APR Representative (variable), based on a £1,200 overdraft balance.

0% interest (variable) payable on arranged overdrafts up to £500.

If you use an arranged overdraft above this amount the annual rate of interest is 35.0% (variable). 19.5% APR Representative (variable), based on a £1,200 overdraft balance.

0% interest (variable) payable on arranged overdrafts up to £100.

If you use an arranged overdraft above this amount the annual rate of interest is 35.0% (variable).

31.8% APR Representative (variable), based on a £1200 overdraft balance.

0% interest (variable) payable on arranged overdrafts.

0% APR Representative (variable), based on a £1,200 overdraft balance.

Overdrafts are subject to application, financial circumstances and borrowing history. Arranged overdrafts are repayable on demand.

No interest is payable on arranged overdrafts up to a maximum limit of £1,500 for 3 years after graduation, subject to application, financial circumstances, borrowing history & lending criteria.

Overdrafts are subject to application, financial circumstances and borrowing history. Arranged overdrafts are repayable on demand.

If you’re a UK student and over 18, you can apply for up to £500 interest free arranged overdraft when you’re opening your account and up to £1,500 maximum limit while you’re studying. No interest is payable on arranged overdrafts.

Maximum interest free arranged overdraft limits:

Account opening, up to £500 during your first term

Year 1 : up to £1,000

Year 2 and beyond : up to £1,500

All student applications are subject to application, financial circumstances, borrowing history & lending criteria, so your maximum arranged overdraft amount may be different than the amounts shown above.

Arranged overdrafts are repayable on demand.

A good way to compare the cost of our overdraft with other ways of borrowing is to look at the APR. The APR shows the cost of borrowing over a year.

We don’t offer unarranged overdrafts and will always try to return any transaction that could take your account into an unarranged overdraft. On very rare occasions where we can’t return a payment, and the account enters an unarranged overdraft as a result, we won’t charge additional fees.

day days % Interest free Year Up to Over All borrowing

Overdraft calculator

Temporary cap on arranged overdraft charges

Overdraft calculator

Breakdown of overdraft charges

Representative example

If you use an arranged overdraft of £1,200, the annual rate of interest that we will charge you is 35.0% (variable), 35.0% APR Representative (variable).

0% interest (variable) payable on arranged overdrafts up to £100.

If you use an arranged overdraft above this amount the annual rate of interest is 35.0% (variable).

51.6% APR Representative (variable), based on a £1200 overdraft balance and assuming monthly Tech pack fees of £14.50.

0% interest (variable) payable on arranged overdrafts.

0% APR Representative (variable), based on a £1,200 overdraft balance.

0% interest (variable) payable on arranged overdrafts up to £500.

If you use an arranged overdraft above this amount the annual rate of interest is 35.0% (variable). 19.5% APR Representative (variable), based on a £1,200 overdraft balance.

0% interest (variable) payable on arranged overdrafts up to £100.

If you use an arranged overdraft above this amount the annual rate of interest is 35.0% (variable).

31.8% APR Representative (variable), based on a £1200 overdraft balance.

0% interest (variable) payable on arranged overdrafts.

0% APR Representative (variable), based on a £1,200 overdraft balance.

Important information regarding this account

How does our overdraft compare?

Unarranged Overdrafts

What's next

Important information

Overdraft calculator

Temporary cap on arranged overdraft charges

Overdraft calculator

Breakdown of overdraft charges

Representative example

If you use an arranged overdraft of £1,200, the annual rate of interest that we will charge you is 35.0% (variable), 35.0% APR Representative (variable).

0% interest (variable) payable on arranged overdrafts up to £100.

If you use an arranged overdraft above this amount the annual rate of interest is 35.0% (variable).

51.6% APR Representative (variable), based on a £1200 overdraft balance and assuming monthly Tech pack fees of £14.50.

0% interest (variable) payable on arranged overdrafts.

0% APR Representative (variable), based on a £1,200 overdraft balance.

0% interest (variable) payable on arranged overdrafts up to £500.

If you use an arranged overdraft above this amount the annual rate of interest is 35.0% (variable). 19.5% APR Representative (variable), based on a £1,200 overdraft balance.

0% interest (variable) payable on arranged overdrafts up to £100.

If you use an arranged overdraft above this amount the annual rate of interest is 35.0% (variable).

31.8% APR Representative (variable), based on a £1200 overdraft balance.

0% interest (variable) payable on arranged overdrafts.

0% APR Representative (variable), based on a £1,200 overdraft balance.

Important information regarding this account

How does our overdraft compare?

Unarranged Overdrafts

What's next

Check your eligibility

Back to Barclays Overdrafts

Important information