Agreeing an arranged overdraft could give you peace of mind when faced with unexpected expenses.
  • Apply online to get an instant decision – if accepted, funds are available immediately
  • No cost for setting up or changing your arranged limit
Credit is subject to status, affordability and applicable terms and conditions.

Representative example

19.9% EAR


Based on an assumed arranged overdraft of £1,200 for an HSBC Bank Account

How to use your HSBC Overdraft

Our overdraft facility is a short-term way to borrow money on your current account and can help in months where you find yourself facing extra expenses and unplanned events.

  • There is no fee for setting up an arranged limit – you’ll know items will be paid without incurring any overdraft fees.
  • It's important to choose an adequate limit because if you go over it you may be charged daily overdraft usage fees, see our Personal Banking Terms and Conditions and Charges for full details.
  • If you keep within your arranged overdraft limit the only cost you need pay is interest. See below for rates and charges applicable dependant on the account you hold.
  • Your arranged limit will be available until further notice, we’ll review the limit periodically and contact you if we will be making any changes.

Apply for an Overdraft

Please ensure you read the important information in the 'Things you should know' section before applying.

Apply online

If you're registered for online banking and have an eligible HSBC current account, you can complete your application online.

Things you should know

If you notice that you are relying on an overdraft for extended periods of time, consider asking us about alternative lending products that may better serve your needs.

You might also be interested in


Find a current account that suits you.


Discover our balance transfer card.


Take control with a loan designed around you.