If you are worried about the cost of your overdraft, we’re here to help. There are a number of ways in which we may be able to support you:

• You could consolidate your overdraft debt into a Debt Consolidation Personal Loan and only have one payment to make each month (eligibility criteria applies). This option may impact your ability to obtain credit in the future, and if you track your credit score, you might find it starts to decrease. 
• Use our Overdraft cost calculator to see what an overdraft would cost you based on your circumstances. This will not harm your credit score.
• Book a Financial Health Check appointment with one of our highly trained senior personal bankers who may be able to suggest ways to help you take control of your finances.
• Use our Budget calculator to help plan your finances.
• Visit our Managing your money page which provides a range of helpful tools and information to help make the most of your money.

If you know your finances won’t, or are unlikely to improve, we have a number of options available to you. This may include setting up a repayment plan, or placing a temporary hold on your account so you have some time to seek independent financial support.  

These options may impact your ability to obtain credit in the future, and if you track your credit score, you might find it starts to decrease.

We understand things are a little uncertain at the moment, so we’ll need to get a better understanding of your current financial situation, you can do this by using our online affordability tool. 

There is a range of support on offer from third parties outside of the bank. These services are available online or by telephone, and some services may also be available face-to-face.