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Overdrafts

When borrowing some cash would help you

Subject to status. Applicants must be 18 years or over.


Planned and unplanned borrowing

Planned borrowing - when you have agreed an overdraft limit with us on your current account,in advance.

Unplanned borrowing - happens when you exceed the amount available in your account, including any overdraft facility, without first agreeing it with us.

Unplanned borrowing usually costs a lot more than planned borrowing. If you think you might overspend, it’s best to plan your borrowing in advance. See costs associated with your current account, interest rates and fees, overdrafts.


Agreeing overdrafts in advance

Overdrafts are subject to status, applicants must be aged 18 years and over. If you have a Current Account Direct, Signature Current Account, Current Account Plus or Current Account Control, you may ask us to agree an overdraft arranged in advance. Visit your local branch or call our team on 0800 678 3380.

We do not provide overdrafts on our Readycash Account.


Terms and charges

  • Monthly planned usage fee - This fee will be charged once every calendar month if you end any business day overdrawn by more than the £25.00 planned borrowing buffer amount (unless that position was created by us adding fees or interest).
  • Daily unplanned borrowing fees - This fee will be charged for each business day that you end the day in unplanned borrowing by more than the £10.00 unplanned borrowing buffer amount (unless that position was created by us adding fees or interest).
  • Returned item fees – This fee will be charged when there is not enough money in your account or agreed overdraft to make a payment and we refuse the request. We will not charge the returned item fee if the value of the unpaid item is £15.00 or less. This is the returned item fee buffer amount.
  • Fee cap – We have a maximum amount that you can be charged in planned and unplanned borrowing fees during the calendar month. This means that you'll never pay more than the fee cap per calendar month in monthly planned usage, daily unplanned borrowing and returned item fees. The cap does not apply to interest, which is charged at the rate shown in your tariff. Details of the fee cap can be found in the current account tariff.
  • Interest will be charged at the rate shown in your account tariff. You do not incur interest on unplanned borrowing. Please see Interest rates and fees: Overdrafts, for details of the fees and interest rates on your account.

Charges and interest

We will charge interest at the end of each calendar month and send you a summary of fees and interest with your monthly account statement. This will give you the date on which your fees will be debited. We will give you at least 14 days' notice before we take any payment from your account.

For more information on fees and charges


How to limit fees

  • Make sure you check your account regularly. You can do this online, with our mobile app, through our telephone banking service, at an ATM or in branch.
  • You can change the dates of your standing orders and Direct Debits to ensure the due payment is made when you have sufficient funds in your account to pay them. Your local branch will be happy to help you set up the payment arrangements.
  • You have until 3pm on the day a payment is due to pay in enough cleared funds to meet that amount. However, where future dated bill payments and funds transfers have been set up by telephone banking, you must have cleared funds available to meet those payments by 5am on the day they are due to be paid. If you transfer funds from another Clydesdale Bank account via mobile, online or telephone banking, or if you pay cash over the counter in branch, the funds will be available immediately. If you transfer funds from another financial institution, please allow enough time for the funds to be processed into your account.

Fees at a glance

Account Monthly planned usage fee Daily unplanned borrowing fee Returned item fee Fee cap Planned borrowing interest
Current Account Control£6 per calendar month with a £25 bufferNo feeNo feeNot applicableAs shown on your account tariff
Current Account Plus / Signature Current Account / Current Account Direct£6 per calendar month with a £25 buffer£6 per business day with a £10 buffer£15 per item with a £15 buffer£100 per calendar monthAs shown on your account tariff
Flexible Repay / Rapid Repay No feeNo fee£15 per item with a £15 buffer£60 per calendar month As shown on your mortgage offer document
ReadycashNo feeNo fee£15 per item with a £15 buffer£60 per calendar monthPlanned borrowing not available
Student accountNo feeNo fee£15 per item with a £15 buffer£60 per calendar monthAs shown on your account tariff

For further details of fees and interest rates for your account, please see Interest rates and fees: Overdrafts.

Examples of unplanned borrowing

We developed these examples with the Office of Fair Trading and leading consumer groups to help you to think about how changing the way you use your account can affect the amount we may charge you. These examples are meant to show how different actions can result in different fees. They are only examples so you shouldn't see them as actions you might take and fees you might have to pay.

We may not allow you to use your account in the ways shown below. You should avoid using unplanned borrowing wherever possible and you should contact us if you need help to manage your account.
Signature Current Account Current Account Plus Current Account Direct Current Account ControlReady cash
We refuse a payment from your account because there is not enough money in your account.£15£15£15£0£15
A payment from your account takes you into an unplanned overdraft by less than £10. You use unplanned borrowing for one day during the month.£0£0£0£0£0
A payment from your account takes you into an unplanned overdraft and you make another payment from the account while you are in an unplanned borrowing position. You use unplanned borrowing for two days in a row during the month.£12£12£12£0£0
A payment from your account takes you into an unplanned overdraft, and you make nine more payments from the account while in an unplanned borrowing position. You use unplanned borrowing for 10 days in a row during the month. Refer undernote£48£48£48£0£0
A payment from your account takes you into an unplanned overdraft. You use unplanned borrowing for one day. However, on three more occasions during the month, a payment takes you into an unplanned borrowing position. On each of these occasions you are in an unplanned borrowing position for three days in a row. Refer undernote£54£54£54£0£0
A payment from your account takes you into an unplanned overdraft. You use unplanned borrowing for 21 days in a row during the month and you make 12 more payments from the account while you are in an unplanned borrowing position. Refer undernote£90£90£90£0£0
If you make more than one payment on the same day we take this as a request for unplanned borrowing and only charge one fee each day when the unplanned borrowing amount exceeds the available funds on your account by more than the buffer amount.
  • Scenario 4 is based on ten payments debiting over six separate days.
  • Scenario 5 is based on the first payment not exceeding the available funds on your account by more than the £10 unplanned borrowing buffer.
  • Scenario 6 is based on twelve payments debiting over eight separate days.

Managing your account

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If you’re an existing customer and wish to discuss your account.

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