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    Will I be charged for being overdrawn?

    Just noticed my Visa Electron account is overdrawn by 39p, will they charge me for this? The account doesn't have an overdraft so I assumed if the funds weren't there, the money wouldn't be taken. The account is with Santander if that makes a difference.

    13 Comments

    i'm guessing your best bet is to call the bank really.

    Original Poster

    natversion1;8485462

    i'm guessing your best bet is to call the bank really.



    I may as well wait and see, just wondered if anyone on here would know. The money only went out last night/today, and my wages should go in tonight so, may as well see what happens if no one has an answer on here.

    PaulNT;8485482

    I may as well wait and see, just wondered if anyone on here would know. … I may as well wait and see, just wondered if anyone on here would know. The money only went out last night/today, and my wages should go in tonight so, may as well see what happens if no one has an answer on here.



    Well with my bank lloyds if you go over and pay in before 3.30pm same day you don't get charged.

    YES - but give them a ring and say if they do you will close your account as this disgraceful etc, etc and they will waive it

    If your under 18, they won't charge you... If your over, they may apply a £15 charge to your next statement date.

    Sometimes you can be lucky to miss the charge if you have funds go in soon after, just make sure nothing else tries to debit your account in the meantime!

    not sure about santander, but with hsbc if you go over by less than £10 = no charge also if you go over by more than £10 but less than 25 you only get charged what you went over by

    eg if you go overdrawn by

    £9.99 = no charge

    £13.50 = £13.50 charge

    £30 = £25 charge

    Original Poster

    Thanks for the replies, I'm over 18 so I might just go the bank and put some cash in.

    I didn't think it was possible to go overdrawn with an electron card?? I was under the impression that was the point of the card restrictions?

    My brother has a Santander account and went overdrawn on the bank holiday (Good Friday) because a standing order that I regularly pay him was delayed over the weekend. We assumed he had a basic account that he couldn't overdraw, but the bank paid out anyway and then charged him £40 fee.

    I was overdrawn by £6-£8 and was charged £25 >.

    Guyver;8486923

    I was overdrawn by £6-£8 and was charged £25 >.

    I got charged £25 by HSBC this week as was £32 overdrawn on an account that I don't use anymore. it was an old direct debit that should have been chnaged but hadn't been. I rang HSBC and kicked up a fuss, been banking with you for years, disproportionate charge etc. Ended with me saying I will bank eslewehre then. All of a sudden they could refund the charge just this once. The lady on the phone did say that anything under a tenner is no charge but this could vary back to bank.

    stewby;8486976

    I got charged £25 by HSBC this week as was £32 overdrawn on an account t … I got charged £25 by HSBC this week as was £32 overdrawn on an account that I don't use anymore. it was an old direct debit that should have been chnaged but hadn't been. I rang HSBC and kicked up a fuss, been banking with you for years, disproportionate charge etc. Ended with me saying I will bank eslewehre then. All of a sudden they could refund the charge just this once. The lady on the phone did say that anything under a tenner is no charge but this could vary back to bank.



    This is true. RBS will charge you £35 for going overdrawn by 1pence.
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