CINXE.COM
Overdrafts | Apply for an Arranged Overdraft with Monzo
<!DOCTYPE html><html lang="en" dir="ltr" data-testid="v2" class="ds-v2"><head><meta charSet="utf-8"/><meta name="viewport" content="width=device-width, height=device-height, initial-scale=1, maximum-scale=5"/><link rel="icon" href="https://static-assets.monzo.com/monzo-com/a2b5606076242db4c9bc5fdbaaf680a82d850c78/_next/static/media/favicon.4c6ebc6f.svg" type="image/svg+xml"/><link rel="shortcut icon" type="image/png" href="https://static-assets.monzo.com/monzo-com/a2b5606076242db4c9bc5fdbaaf680a82d850c78/_next/static/media/favicon.87a9df8c.png"/><title>Overdrafts | Apply for an Arranged Overdraft with Monzo</title><link rel="icon" href="https://static-assets.monzo.com/monzo-com/a2b5606076242db4c9bc5fdbaaf680a82d850c78/_next/static/media/favicon.87a9df8c.png" sizes="any"/><link rel="icon" href="https://static-assets.monzo.com/monzo-com/a2b5606076242db4c9bc5fdbaaf680a82d850c78/_next/static/media/favicon.4c6ebc6f.svg" type="image/svg+xml"/><meta name="theme-color" content="#112231"/><meta property="og:site_name" content="Monzo"/><meta property="og:type" content="website"/><meta http-equiv="X-UA-Compatible" content="IE=edge"/><meta name="format-detection" content="telephone=no"/><meta property="og:title" content="Overdrafts | Apply for an Arranged Overdraft with Monzo"/><meta property="og:description" content="Arranged overdrafts can be ideal if you need to borrow a little extra money to tide you over every now and then. Find out more about borrowing with Monzo."/><meta property="og:locale" content="en"/><meta property="og:url" content="https://monzo.com/overdrafts"/><meta property="og:image" content="https://images.ctfassets.net/ro61k101ee59/37iU5WO8ibftrcTA9imG5f/3aac9b1ac49f048637f938257df67db0/Open_Graph_monzo.com.png"/><meta property="twitter:description" content="Arranged overdrafts can be ideal if you need to borrow a little extra money to tide you over every now and then. Find out more about borrowing with Monzo."/><meta property="twitter:url" content="https://monzo.com/overdrafts"/><meta property="twitter:card" content="summary_large_image"/><meta property="twitter:site" content="@monzo"/><meta property="twitter:description" content="Arranged overdrafts can be ideal if you need to borrow a little extra money to tide you over every now and then. Find out more about borrowing with Monzo."/><meta property="twitter:site_name" content="Monzo"/><meta property="twitter:image" content="https://images.ctfassets.net/ro61k101ee59/37iU5WO8ibftrcTA9imG5f/3aac9b1ac49f048637f938257df67db0/Open_Graph_monzo.com.png"/><link rel="manifest" href="/manifest.json"/><link rel="canonical" href="https://monzo.com/overdrafts" data-testid="canonical"/><meta name="description" content="Arranged overdrafts can be ideal if you need to borrow a little extra money to tide you over every now and then. Find out more about borrowing with Monzo."/><meta name="next-head-count" content="27"/><meta http-equiv="X-UA-Compatible" content="IE=edge"/><meta name="format-detection" content="telephone=no"/><meta name="theme-color" content="#112231"/><meta property="og:type" content="website"/><meta name="twitter:card" content="summary_large_image"/><meta name="twitter:site" content="@monzo"/><link rel="manifest" href="/manifest.json"/><link rel="stylesheet" href="/static/css/base.css"/><link rel="preload" href="https://static-assets.monzo.com/monzo-com/a2b5606076242db4c9bc5fdbaaf680a82d850c78/_next/static/css/c440625aa87abfdb.css" as="style" crossorigin="anonymous"/><link rel="stylesheet" href="https://static-assets.monzo.com/monzo-com/a2b5606076242db4c9bc5fdbaaf680a82d850c78/_next/static/css/c440625aa87abfdb.css" crossorigin="anonymous" data-n-g=""/><link rel="preload" href="https://static-assets.monzo.com/monzo-com/a2b5606076242db4c9bc5fdbaaf680a82d850c78/_next/static/css/4993b57d4b5e4aa7.css" as="style" crossorigin="anonymous"/><link rel="stylesheet" href="https://static-assets.monzo.com/monzo-com/a2b5606076242db4c9bc5fdbaaf680a82d850c78/_next/static/css/4993b57d4b5e4aa7.css" crossorigin="anonymous" data-n-p=""/><link rel="preload" href="https://static-assets.monzo.com/monzo-com/a2b5606076242db4c9bc5fdbaaf680a82d850c78/_next/static/css/f511ccd3fc572cb3.css" as="style" crossorigin="anonymous"/><link rel="stylesheet" href="https://static-assets.monzo.com/monzo-com/a2b5606076242db4c9bc5fdbaaf680a82d850c78/_next/static/css/f511ccd3fc572cb3.css" crossorigin="anonymous" data-n-p=""/><noscript data-n-css=""></noscript><script defer="" crossorigin="anonymous" nomodule="" src="https://static-assets.monzo.com/monzo-com/a2b5606076242db4c9bc5fdbaaf680a82d850c78/_next/static/chunks/polyfills-42372ed130431b0a.js"></script><script src="https://static-assets.monzo.com/monzo-com/a2b5606076242db4c9bc5fdbaaf680a82d850c78/_next/static/chunks/webpack-273842449cdeacca.js" defer="" crossorigin="anonymous"></script><script src="https://static-assets.monzo.com/monzo-com/a2b5606076242db4c9bc5fdbaaf680a82d850c78/_next/static/chunks/framework-838c6ca2253d4294.js" defer="" crossorigin="anonymous"></script><script src="https://static-assets.monzo.com/monzo-com/a2b5606076242db4c9bc5fdbaaf680a82d850c78/_next/static/chunks/main-671072d523f3880e.js" defer="" crossorigin="anonymous"></script><script src="https://static-assets.monzo.com/monzo-com/a2b5606076242db4c9bc5fdbaaf680a82d850c78/_next/static/chunks/pages/_app-71558d6f804bc127.js" defer="" crossorigin="anonymous"></script><script src="https://static-assets.monzo.com/monzo-com/a2b5606076242db4c9bc5fdbaaf680a82d850c78/_next/static/chunks/4542-be77addde76d86b9.js" defer="" crossorigin="anonymous"></script><script src="https://static-assets.monzo.com/monzo-com/a2b5606076242db4c9bc5fdbaaf680a82d850c78/_next/static/chunks/525-acf0ae576f789b2d.js" defer="" crossorigin="anonymous"></script><script src="https://static-assets.monzo.com/monzo-com/a2b5606076242db4c9bc5fdbaaf680a82d850c78/_next/static/chunks/5033-dd5186e2eed372af.js" defer="" crossorigin="anonymous"></script><script src="https://static-assets.monzo.com/monzo-com/a2b5606076242db4c9bc5fdbaaf680a82d850c78/_next/static/chunks/pages/%5B...dynamic%5D-1191fa0d62113ad6.js" defer="" crossorigin="anonymous"></script><script src="https://static-assets.monzo.com/monzo-com/a2b5606076242db4c9bc5fdbaaf680a82d850c78/_next/static/nkkm2ZgbOFUC5Xzyo-Tw4/_buildManifest.js" defer="" crossorigin="anonymous"></script><script src="https://static-assets.monzo.com/monzo-com/a2b5606076242db4c9bc5fdbaaf680a82d850c78/_next/static/nkkm2ZgbOFUC5Xzyo-Tw4/_ssgManifest.js" defer="" crossorigin="anonymous"></script></head><body data-whatpersist="false"><script> const queryParams = new URLSearchParams(location.search); const theme = queryParams.get('theme'); const view = queryParams.get('view'); if (theme === 'dark') document.body.classList.add('dark-theme'); if (view === 'app') document.body.classList.add('webview--app'); </script><div id="__next"><header class="HeaderVariant_header__M43dc" data-experiment-reorder="true"><a class="HeaderVariant_skipToContent__gKtbS" href="#mainContent" data-monzoanalytics-action-id="link_clicked" data-monzoanalytics-action-parameters="link_text=Skip to Content&url=#mainContent&currentUrl=/overdrafts">Skip to Content</a><div class="HeaderVariant_headerContainer__yB1yF"><div class="HeaderVariant_headerLogoContainer__k3fGL"><a class="Button_button__OFOdO Button_none__lgccr Button_center__lDq2_ HeaderVariant_logoLink___LBJB" data-monzoanalytics-no-tracking="true" role="link" target="_self" rel="" aria-label="Monzo Bank Homepage" tabindex="0" href="/"><span aria-hidden="true"><span class="Button_text__S2FJ_"><div class="HeaderVariant_logoImageContainer__HlZzw"><svg viewBox="0 0 112 21"><path fill="currentColor" d="M0 19.3V.7h4.958v2.493a5.505 5.505 0 0 1 5.063-2.84 5.671 5.671 0 0 1 5.166 2.98c1.941-2.045 3.432-2.98 5.756-2.98 4.195 0 6.553 2.354 6.553 6.686V19.3h-5.34V9.222c0-2.598-.554-3.776-2.6-3.776-2.08 0-3.19 1.281-3.19 3.776V19.3h-5.374V9.222c0-2.598-.555-3.776-2.601-3.776-2.08 0-3.19 1.281-3.19 3.776V19.3H0ZM33.82 3.124a9.832 9.832 0 0 1 16.816 6.76 9.47 9.47 0 0 1-2.808 6.997 9.655 9.655 0 0 1-7.074 2.91 9.208 9.208 0 0 1-7.038-2.98 9.716 9.716 0 0 1-2.74-6.859 9.528 9.528 0 0 1 2.844-6.828Zm6.969 11.467a4.6 4.6 0 0 0 4.387-2.701 4.59 4.59 0 0 0-3.234-6.381 4.602 4.602 0 0 0-4.776 1.933 4.592 4.592 0 0 0-.78 2.577 4.487 4.487 0 0 0 4.403 4.572ZM54.118 19.3V.7h5.2l-.068 2.494a5.788 5.788 0 0 1 5.34-2.84c3.848 0 6.344 2.424 6.344 6.685V19.3h-5.478V9.222c0-2.598-.555-3.776-2.67-3.776-2.15 0-3.294 1.281-3.294 3.776V19.3h-5.374ZM94.18 3.122A9.832 9.832 0 0 1 104.835.916a9.822 9.822 0 0 1 6.16 8.965 9.47 9.47 0 0 1-2.808 6.997 9.664 9.664 0 0 1-7.074 2.91 9.208 9.208 0 0 1-7.038-2.98 9.716 9.716 0 0 1-2.74-6.858 9.529 9.529 0 0 1 2.843-6.828Zm6.97 11.467a4.602 4.602 0 0 0 4.387-2.702 4.59 4.59 0 0 0-.879-5.073 4.598 4.598 0 0 0-5.04-1.073 4.598 4.598 0 0 0-2.871 4.276 4.488 4.488 0 0 0 4.403 4.572ZM74.926 19.3V15.42l7.663-9.91h-7.663V.699h13.835v4.4l-6.762 9.388h6.9v4.812H74.927Z"></path></svg></div></span></span></a></div><div class="HeaderVariant_headerNavigationContainer__1NPta"><nav aria-label="Main" data-orientation="vertical" dir="ltr" data-testid="" class="Navigation_navigation__MiBte" data-toplevel-id="" data-subitem-id=""><div aria-hidden="true" class="NavigationSEORenderer_navigationSEORenderer__udHb5" data-testid="seo-navigation-renderer"><ul><li data-testid="seo-navigation-renderer-top-level-item"><h2>Personal</h2><ul><li data-testid="seo-navigation-renderer-landmark"><h3>Current accounts</h3><p>It all starts with our personal current account</p><ul><li data-testid="seo-navigation-renderer-landmark-link"><a href="/current-account/personal" data-monzoanalytics-no-tracking="true">Personal account</a></li><li data-testid="seo-navigation-renderer-landmark-link"><a href="/current-account/joint-account" data-monzoanalytics-no-tracking="true">Joint account</a></li><li data-testid="seo-navigation-renderer-landmark-link"><a href="/current-account/under-16s" data-monzoanalytics-no-tracking="true">Under 16s account</a></li><li data-testid="seo-navigation-renderer-landmark-link"><a href="/current-account/16-17" data-monzoanalytics-no-tracking="true">16-17s account</a></li><li data-testid="seo-navigation-renderer-landmark-link"><a href="/current-account" data-monzoanalytics-no-tracking="true">See all current accounts</a></li></ul></li><li data-testid="seo-navigation-renderer-landmark"><h3>Plans</h3><p>Upgrade your personal account from £3 a month</p><ul><li data-testid="seo-navigation-renderer-landmark-link"><a href="/current-account/plans" data-monzoanalytics-no-tracking="true">Compare plans</a></li></ul></li><li data-testid="seo-navigation-renderer-landmark"><h3>Why Monzo?</h3><p>Bank on an award-winning app</p><ul><li data-testid="seo-navigation-renderer-landmark-link"><a href="/pots" data-monzoanalytics-no-tracking="true">Save with Pots</a></li><li data-testid="seo-navigation-renderer-landmark-link"><a href="/features/cashback" data-monzoanalytics-no-tracking="true">Earn cashback</a></li><li data-testid="seo-navigation-renderer-landmark-link"><a href="/features/travel" data-monzoanalytics-no-tracking="true">Travel without fees</a></li><li data-testid="seo-navigation-renderer-landmark-link"><a href="/features/monzo-split" data-monzoanalytics-no-tracking="true">Spend with friends</a></li><li data-testid="seo-navigation-renderer-landmark-link"><a href="/features/get-paid-early" data-monzoanalytics-no-tracking="true">Get paid early</a></li><li data-testid="seo-navigation-renderer-landmark-link"><a href="/security" data-monzoanalytics-no-tracking="true">Protect your money</a></li><li data-testid="seo-navigation-renderer-landmark-link"><a href="/features/see-your-mortgage" data-monzoanalytics-no-tracking="true">Connect your mortgage</a></li><li data-testid="seo-navigation-renderer-landmark-link"><a href="/refer-a-friend" data-monzoanalytics-no-tracking="true">Refer a friend</a></li></ul></li><li data-testid="seo-navigation-renderer-top-level-item"><h3>Savings</h3><ul><li data-testid="seo-navigation-renderer-basic-link"><a data-monzoanalytics-no-tracking="true" href="/savings">Saving with Monzo</a></li><li data-testid="seo-navigation-renderer-basic-link"><a data-monzoanalytics-no-tracking="true" href="/savings/instant-access">Instant access savings</a></li></ul></li><li data-testid="seo-navigation-renderer-top-level-item"><h3>Investments and pensions</h3><ul><li data-testid="seo-navigation-renderer-basic-link"><a data-monzoanalytics-no-tracking="true" href="/investments">Investments</a></li><li data-testid="seo-navigation-renderer-basic-link"><a data-monzoanalytics-no-tracking="true" href="/pensions">Pensions</a></li></ul></li><li data-testid="seo-navigation-renderer-top-level-item"><h3>Credit cards and loans</h3><ul><li data-testid="seo-navigation-renderer-basic-link"><a data-monzoanalytics-no-tracking="true" href="/flex">Flex Purchase credit card</a></li><li data-testid="seo-navigation-renderer-basic-link"><a data-monzoanalytics-no-tracking="true" href="/flex-build">Flex Build credit card</a></li><li data-testid="seo-navigation-renderer-basic-link"><a data-monzoanalytics-no-tracking="true" href="/loans">Loans</a></li><li data-testid="seo-navigation-renderer-basic-link"><a data-monzoanalytics-no-tracking="true" href="/overdrafts">Overdrafts</a></li></ul></li><li data-testid="seo-navigation-renderer-top-level-item"><h3>Insurance</h3><ul><li data-testid="seo-navigation-renderer-basic-link"><a data-monzoanalytics-no-tracking="true" href="/contents-insurance">Contents Insurance</a></li></ul></li><li data-testid="seo-navigation-renderer-top-level-item"><h3>Help and support</h3><ul><li data-testid="seo-navigation-renderer-basic-link"><a data-monzoanalytics-no-tracking="true" href="/help">Help centre</a></li><li data-testid="seo-navigation-renderer-basic-link"><a data-monzoanalytics-no-tracking="true" href="/security">Security at Monzo</a></li><li data-testid="seo-navigation-renderer-basic-link"><a data-monzoanalytics-no-tracking="true" href="/fraud">Staying safe from fraud</a></li><li data-testid="seo-navigation-renderer-basic-link"><a data-monzoanalytics-no-tracking="true" href="/money-worries">Support with money worries</a></li><li data-testid="seo-navigation-renderer-basic-link"><a data-monzoanalytics-no-tracking="true" href="/switch">Switching to Monzo</a></li><li data-testid="seo-navigation-renderer-basic-link"><a data-monzoanalytics-no-tracking="true" href="/help/monzo-plus">Plus help</a></li><li data-testid="seo-navigation-renderer-basic-link"><a data-monzoanalytics-no-tracking="true" href="/help/monzo-premium">Premium help</a></li></ul></li><li data-testid="seo-navigation-renderer-basic-link"><a data-monzoanalytics-no-tracking="true" href="/switch">Switch to Monzo</a></li></ul></li><li data-testid="seo-navigation-renderer-top-level-item"><h2>Business</h2><ul></ul></li></ul></div><div class="HeaderVariant_headerNavigationExtras__fnwGF"><span class="HeaderVariant_headerNavigationExtraWrapper__Nf5wL HeaderVariant_mobileVisible__dyVF_"><a data-testid="header-primary-cta" class="Button_button__OFOdO Button_primary__WTwSy Button_center__lDq2_ NavigationPrimaryCTA_navigationPrimaryCTA__4GFHH HeaderVariant_mobileVisible__dyVF_" data-monzoanalytics-no-tracking="true" target="_self" href="https://we83.adj.st/home?adj_t=1dj2rkno_1dxkjz95&adj_redirect=https%3A%2F%2Fmonzo.com%2Fsign-up&adj_engagement_type=fallback_click" rel="noopener noreferrer external" aria-label="Sign up"><span aria-hidden="true"><span class="Button_text__S2FJ_"><span>Sign up</span></span></span></a></span></div><div style="position:relative"><ul data-orientation="vertical" class="NavigationTopLevelItems_navigationTopLevelItemsList__fJhlK" dir="ltr"><li class="NavigationTopLevelItems_navigationTopLevelItem__bhgjl NavigationTopLevelItems_isMobileVisible__J__pz"><button data-monzoanalytics-action-id="link_clicked" data-monzoanalytics-action-parameters="link_type=navigation top level item&link_text=Open Personal navigation&link_location=header - Level 1&currentUrl=/overdrafts" id="radix-:Ra9b6:-trigger-personal" data-state="closed" aria-expanded="false" aria-controls="radix-:Ra9b6:-content-personal" class="NavigationTopLevelItems_navigationTopLevelItemTrigger__hezLF" aria-label="Open Personal navigation" data-radix-collection-item=""><div class="NavigationTopLevelItems_navigationTopLevelItemButton__sN1xB"><div class="NavigationTopLevelItems_navigationTopLevelItemButtonIcon__i8mOW"><svg xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 20 20" data-testid="personal-icon"><path fill="currentColor" fill-rule="evenodd" d="M10.5 10.833c3.606 0 6.544 2.149 6.663 4.832l.003.168c0 .92-.746 1.667-1.666 1.667h-10c-.92 0-1.667-.746-1.667-1.667 0-2.761 2.985-5 6.667-5Zm0-8.333a3.333 3.333 0 1 1 0 6.667 3.333 3.333 0 0 1 0-6.667Z" clip-rule="evenodd"></path></svg></div><span class="NavigationTopLevelItems_navigationTopLevelItemButtonContent__ACT5e">Personal</span><div class="NavigationTopLevelItems_navigationTopLevelItemButtonIcon__i8mOW"><svg width="1em" height="1em" viewBox="0 0 24 24" xmlns="http://www.w3.org/2000/svg"><path d="M15.88 9.29006L12 13.1701L8.11998 9.29006C7.72998 8.90006 7.09998 8.90006 6.70998 9.29006C6.31998 9.68006 6.31998 10.3101 6.70998 10.7001L11.3 15.2901C11.69 15.6801 12.32 15.6801 12.71 15.2901L17.3 10.7001C17.69 10.3101 17.69 9.68006 17.3 9.29006C16.91 8.91006 16.27 8.90006 15.88 9.29006Z" fill="currentColor"></path></svg></div></div></button><div class="NavigationTopLevelItems_navigationTopLevelToggleContainer__ag2Yv" role="button" tabindex="0" aria-label="Toggle Personal navigation menu"><div class="MobileNavigationToggle_mobileNavigationToggle__4Z_F_ MobileNavigationToggle_onWhite__tdPhh"><div class="MobileNavigationToggle_mobileNavigationToggleContent__sUo9Z"><svg xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 24 24"><path fill="currentColor" d="M4 18h16c.55 0 1-.45 1-1s-.45-1-1-1H4c-.55 0-1 .45-1 1s.45 1 1 1Zm0-5h16c.55 0 1-.45 1-1s-.45-1-1-1H4c-.55 0-1 .45-1 1s.45 1 1 1ZM3 7c0 .55.45 1 1 1h16c.55 0 1-.45 1-1s-.45-1-1-1H4c-.55 0-1 .45-1 1Z"></path></svg></div></div></div></li><li><a class="NavigationTopLevelItems_navigationTopLevelItemButton__sN1xB" data-monzoanalytics-action-id="link_clicked" data-monzoanalytics-action-parameters="link_text=Business&link_location=header - Level 1&link_type=navigation&url=/business-banking&currentUrl=/overdrafts" href="/business-banking"><div class="NavigationTopLevelItems_navigationTopLevelItemButtonIcon__i8mOW"><svg xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 20 20" data-testid="business-icon"><path fill="currentColor" fill-rule="evenodd" d="M10.834 1.667a2.5 2.5 0 0 1 2.495 2.353l.005.147V5h.833v12.5H5.834V5h.833v-.833A2.5 2.5 0 0 1 9.02 1.67l.147-.004h1.667ZM4.167 5v12.5h-.833c-.92 0-1.667-.746-1.667-1.667V6.667c0-.92.746-1.667 1.667-1.667h.833Zm11.667 0h.833c.92 0 1.667.746 1.667 1.667v9.166c0 .92-.747 1.667-1.667 1.667h-.833V5Zm-5-1.667H9.167a.834.834 0 0 0-.828.737l-.005.097V5h3.333v-.833a.833.833 0 0 0-.833-.834Z" clip-rule="evenodd"></path></svg></div><span class="NavigationTopLevelItems_navigationTopLevelItemButtonContent__ACT5e">Business</span></a></li></ul></div></nav></div><div class="HeaderVariant_mobilePrimaryCTAExperiment__gNqIQ"><span class="HeaderVariant_headerNavigationExtraWrapper__Nf5wL HeaderVariant_mobileVisible__dyVF_"><a data-testid="header-primary-cta" class="Button_button__OFOdO Button_primary__WTwSy Button_center__lDq2_ HeaderVariant_mobileVisible__dyVF_" data-monzoanalytics-no-tracking="true" target="_self" href="https://we83.adj.st/home?adj_t=1dj2rkno_1dxkjz95&adj_redirect=https%3A%2F%2Fmonzo.com%2Fsign-up&adj_engagement_type=fallback_click" rel="noopener noreferrer external" aria-label="Open a Monzo account"><span aria-hidden="true"><span class="Button_text__S2FJ_"><span>Sign up</span></span></span></a></span></div></div></header><main id="mainContent" class="Main_main__qK_Jw"><section class=" Section_section__mRxGN Section_auto__2Ub8u Section_paddingnone__2ufem"><div class="Section_contentContainer__ciYat"><div class="HeroBanner_hero__8Phzz"><div class="Section_container__mkPCF Section_section__mRxGN Section_transparent__1pVXx Section_auto__2Ub8u Section_paddingbottommedium__Kc17e"><div class="Section_contentContainer__ciYat"><div class="Block_block__Q3GQF Block_transparent__FJxI6 Block_textLeft__FXaVt Block_orderRight__au5W_ Block_orderBottom__pqOc1 Block_horizontalCenter__Hc_pi Block_verticalMiddle__vqNW5 Block_paddingHorizontalSmall__i62HY Block_paddingVerticalSmall__5ZA7U Block_marginHorizontalAuto__JOVH_ Block_marginVerticalNone__DIokE"><div class="Block_contentContainer__CWeAy"><div class="HeroBanner_heroMedia__1nKQ8"><picture><source type="image/avif" srcSet="https://images.ctfassets.net/ro61k101ee59/25B1AqZjiRvATpmvg6Jwr2/2fcd5e7a3d0bd8362e4391550b8f36de/Hero_-_Desktop.png?w=2400&q=75&fm=avif"/><source type="image/webp" srcSet="https://images.ctfassets.net/ro61k101ee59/25B1AqZjiRvATpmvg6Jwr2/2fcd5e7a3d0bd8362e4391550b8f36de/Hero_-_Desktop.png?w=2400&q=75&fm=webp"/><img src="https://images.ctfassets.net/ro61k101ee59/25B1AqZjiRvATpmvg6Jwr2/2fcd5e7a3d0bd8362e4391550b8f36de/Hero_-_Desktop.png?w=2400&q=75" alt="" width="1770" loading="lazy"/></picture></div></div></div><div class="Block_block__Q3GQF Block_transparent__FJxI6 Block_textLeft__FXaVt Block_orderLeft__kf4S1 Block_orderTop__qlV9j Block_verticalMiddle__vqNW5 Block_paddingHorizontalMedium__jHl0b Block_paddingVerticalNone__65947 Block_marginHorizontalAuto__JOVH_ Block_marginVerticalNone__DIokE HeroBanner_heroBannerBlockContent__stdAX"><div class="Block_contentContainer__CWeAy"><div class="spacing_vSpacing10__Vw3Bl"><h1 class="Title_title__6QR87 Title_coral__VkIrk text-heading-1 Title_left___R_Ga Title_marginBottom__TiQqA HeroBanner_heroTitle__l9Owc" id="monzo-overdrafts">Monzo Overdrafts</h1><div class="Markdown_Markdown__aEd_X Markdown_light__YcqB9" data-testid="markdown"><div class="Text_text__CSJ_O Text_lead___fdMb Text_marginBottom___UK4L"><p>Arranged overdrafts are a safety net for unplanned surprises. They’re designed for short term borrowing and they’ll cost less if you pay them back quickly.</p></div></div></div><div class="HeroBanner_buttonContainer__lO5NT"><a class="Button_button__OFOdO Button_primary__WTwSy Button_center__lDq2_" data-monzoanalytics-no-tracking="true" target="_self" rel="" tabindex="0" href="https://monzo.com/-deeplinks/overdrafts/"><span class="Button_text__S2FJ_">Explore overdrafts</span></a></div><div class="HeroBanner_legalTextContainer__MDph9"><div class="Markdown_Markdown__aEd_X Markdown_light__YcqB9" data-testid="markdown"><div class="Text_text__CSJ_O Text_legalText__DQPp3"><p>UK residents. 18+ only. Eligibility criteria and Ts&Cs apply.</p></div></div></div></div></div></div></div></div></div></section><section class=" Section_section__mRxGN Section_secondary__NxgD1 Section_auto__2Ub8u Section_paddingbottomnone__1i30t" data-testid="subtitle-section"><div class="Section_contentContainer__ciYat"><div class="Block_block__Q3GQF Block_transparent__FJxI6 Block_textCenter__WvWTU Block_horizontalCenter__Hc_pi Block_verticalMiddle__vqNW5 paddingHorizontalAuto Block_paddingVerticalSmall__5ZA7U Block_marginHorizontalAuto__JOVH_ Block_marginVerticalNone__DIokE"><div class="Block_contentContainer__CWeAy"><div class="Subtitle_content__YW5SS spacing_vSpacing10__Vw3Bl"><h2 class="Title_title__6QR87 Title_primary__m7Tjj text-heading-2 Title_center__fqUI_ Title_marginBottom__TiQqA" id="an-overdraft-youre-in-control-of">An overdraft you’re in control of</h2><div class="Markdown_Markdown__aEd_X Markdown_light__YcqB9" data-testid="markdown"></div></div></div></div></div></section><section class="Section_section__mRxGN Section_secondary__NxgD1 Section_auto__2Ub8u"><div class="Section_contentContainer__ciYat"><div class="CardList_CardList__xh9wK CardList_autofit__KNjIe"><div class="Card_cardWrapper__TTeTI" data-testid="cardWrapper"><div class="Card_card__zEK7Z Card_light__flWgn Card_secondary__Xsm9Q Card_paddingtopmedium__8XW__ Card_paddingbottommedium__kJTwQ"><div class="Card_titleContainer__bkMxU"><img class="undefined Icon_icon__Haypr Icon_addMargin__1i9ZI Icon_transparent__gOWmA Icon_large__McJOc Icon_image__BmpRz Icon_noFill__Cnqz2" src="https://images.ctfassets.net/ro61k101ee59/1pXiQ5cDmph8qlJFvbXXLx/ee7416b737b49b19680e198027b5f8e1/Percentage_up.png" aria-hidden="true" alt="" loading="lazy"/><h3 class="Card_title__2ya4E">19%, 29% or 39% EAR (variable)</h3></div><div class="Card_descriptionContainer__dX1OP"><div class="Markdown_Markdown__aEd_X Markdown_light__YcqB9" data-testid="markdown"><div class="Text_text__CSJ_O"><p>As a representative example, if you use an arranged overdraft of £1,200 for 30 days, with 39.0% EAR/APR (variable), it would cost you £32.94. 39% APR representative (variable).</p></div><div class="Text_text__CSJ_O"><p>Your exact rate will depend on your credit score, and you can see what rate you’re on in your Monzo app.</p></div></div></div></div></div><div class="Card_cardWrapper__TTeTI" data-testid="cardWrapper"><div class="Card_card__zEK7Z Card_light__flWgn Card_secondary__Xsm9Q Card_paddingtopmedium__8XW__ Card_paddingbottommedium__kJTwQ"><div class="Card_titleContainer__bkMxU"><img class="undefined Icon_icon__Haypr Icon_addMargin__1i9ZI Icon_transparent__gOWmA Icon_large__McJOc Icon_image__BmpRz Icon_noFill__Cnqz2" src="https://images.ctfassets.net/ro61k101ee59/22w3Q9nxSGwAvJPU2Vt8kJ/a966b8a3621a93acdabc7f1e4bd3b7cb/Limits.png" aria-hidden="true" alt="" loading="lazy"/><h3 class="Card_title__2ya4E">Limits of up to £3,000 </h3></div><div class="Card_descriptionContainer__dX1OP"><div class="Markdown_Markdown__aEd_X Markdown_light__YcqB9" data-testid="markdown"><div class="Text_text__CSJ_O"><p>If you’re eligible you could have an overdraft limit up to £3,000. This limit won’t apply to everyone – we consider what people can safely afford to borrow.</p></div><div class="Text_text__CSJ_O"><p>You can change your limit and cancel your overdraft any time on the Monzo app. To do that, you’ll need to pay back the amount you owe, plus any interest.</p></div></div></div></div></div><div class="Card_cardWrapper__TTeTI" data-testid="cardWrapper"><div class="Card_card__zEK7Z Card_light__flWgn Card_secondary__Xsm9Q Card_paddingtopmedium__8XW__ Card_paddingbottommedium__kJTwQ"><div class="Card_titleContainer__bkMxU"><img class="undefined Icon_icon__Haypr Icon_addMargin__1i9ZI Icon_transparent__gOWmA Icon_large__McJOc Icon_image__BmpRz Icon_noFill__Cnqz2" src="https://images.ctfassets.net/ro61k101ee59/6oLAgglt9yc71NzzGKjmpL/12101ede820c97d2c5b11fce5173bd1f/Money.png" aria-hidden="true" alt="" loading="lazy"/><h3 class="Card_title__2ya4E">Know how much you’ll pay</h3></div><div class="Card_descriptionContainer__dX1OP"><div class="Markdown_Markdown__aEd_X Markdown_light__YcqB9" data-testid="markdown"><div class="Text_text__CSJ_O"><p>We won’t charge you any extra fees for going into your overdraft, and we’ll always let you know when you go into it.</p></div><div class="Text_text__CSJ_O"><p>We’ll always tell you the exact rate you’ll pay, and what that means in pounds, before you borrow from us.</p></div></div></div></div></div></div></div></section><section class=" Section_section__mRxGN Section_secondary__NxgD1 Section_auto__2Ub8u Section_paddingbottomnone__1i30t" data-testid="subtitle-section"><div class="Section_contentContainer__ciYat"><div class="Block_block__Q3GQF Block_transparent__FJxI6 Block_textCenter__WvWTU Block_horizontalCenter__Hc_pi Block_verticalMiddle__vqNW5 paddingHorizontalAuto Block_paddingVerticalSmall__5ZA7U Block_marginHorizontalAuto__JOVH_ Block_marginVerticalNone__DIokE"><div class="Block_contentContainer__CWeAy"><div class="Subtitle_content__YW5SS spacing_vSpacing10__Vw3Bl"><h2 class="Title_title__6QR87 Title_primary__m7Tjj text-heading-2 Title_center__fqUI_ Title_marginBottom__TiQqA" id="how-does-our-overdraft-compare">How does our overdraft compare?</h2><div class="Markdown_Markdown__aEd_X Markdown_light__YcqB9" data-testid="markdown"><div class="Text_text__CSJ_O Text_marginBottom___UK4L"><p>Our representative APR is 39.0% APR (variable). You can use the APR to compare the cost of different credit products.</p></div></div></div></div></div></div></section><div><section class=" Section_section__mRxGN Section_secondary__NxgD1 Section_auto__2Ub8u"><div class="Section_contentContainer__ciYat"><div class="Section_container__mkPCF Section_section__mRxGN Section_secondary__NxgD1 Section_auto__2Ub8u"><div class="Section_contentContainer__ciYat"><div class="Block_block__Q3GQF Block_transparent__FJxI6 Block_textLeft__FXaVt Block_horizontalCenter__Hc_pi Block_verticalMiddle__vqNW5 Block_paddingHorizontalMedium__jHl0b Block_paddingVerticalMedium__5Q4LL Block_marginHorizontalAuto__JOVH_ Block_marginVerticalNone__DIokE Block_orderLeftMd__hA7NI Block_orderLeftSm___aCOK Block_orderBottomXs__ziQdx"><div class="Block_contentContainer__CWeAy"><div class="TextAndImageSection_assetContainer__qkOth"><div class="TextAndImageSection_imageContainer__K6h9M"><picture><source type="image/avif" srcSet="https://images.ctfassets.net/ro61k101ee59/5UFVcmyI7AnzS4aMqeUhQi/85761845957410e225edf3cf57153ef9/Frame_48096045.png?w=800&q=75&fm=avif"/><source type="image/webp" srcSet="https://images.ctfassets.net/ro61k101ee59/5UFVcmyI7AnzS4aMqeUhQi/85761845957410e225edf3cf57153ef9/Frame_48096045.png?w=800&q=75&fm=webp"/><img src="https://images.ctfassets.net/ro61k101ee59/5UFVcmyI7AnzS4aMqeUhQi/85761845957410e225edf3cf57153ef9/Frame_48096045.png?w=800&q=75" alt="" width="400" loading="lazy"/></picture></div></div></div></div><div class="Block_block__Q3GQF Block_transparent__FJxI6 Block_textLeft__FXaVt Block_horizontalCenter__Hc_pi Block_verticalMiddle__vqNW5 Block_paddingHorizontalMedium__jHl0b Block_paddingVerticalMedium__5Q4LL Block_marginHorizontalAuto__JOVH_ Block_marginVerticalNone__DIokE Block_orderRightMd__320DP Block_orderRightSm__jfS86 Block_orderBottomXs__ziQdx"><div class="Block_contentContainer__CWeAy"><div class="TextAndImageSection_blockContainer__K26Sa"><div class="spacing_vSpacing10__Vw3Bl"><h3 class="Title_title__6QR87 Title_primary__m7Tjj text-heading-3 Title_left___R_Ga Title_marginBottom__TiQqA" id="arranged-and-unarranged-overdrafts">Arranged and unarranged overdrafts</h3><div class="Markdown_Markdown__aEd_X Markdown_light__YcqB9" data-testid="markdown"><div class="Text_text__CSJ_O Text_marginBottom___UK4L"><p>When you switch on an <a class="Button_button__OFOdO Button_link__wbUuG Button_inline__ptjDW Button_center__lDq2_" data-monzoanalytics-no-tracking="true" target="_self" href="https://monzo.com/i/overdrafts/" rel="noopener noreferrer external"><span class="Button_text__S2FJ_">overdraft with Monzo</span></a> that's called an arranged overdraft. If you go over your arranged overdraft limit, or you don't have an arranged overdraft, we'll reject payments (for free), and you won’t be able to take cash out. But, sometimes we can't reject payments.</p></div><div class="Text_text__CSJ_O Text_marginBottom___UK4L"><p><strong>Offline payments</strong> – We can’t reject ‘offline’ payments, like those you make on a plane, so you’ll go into an unarranged overdraft. We'll tell you as soon as this happens. You should add money to your account as soon as possible, as it could impact your credit score (which might make it harder for you to borrow in future). <a class="Button_button__OFOdO Button_link__wbUuG Button_inline__ptjDW Button_center__lDq2_" data-monzoanalytics-no-tracking="true" target="_self" href="https://monzo.com/help/overdrafts-loans/unauthorised-overdrafts" rel="noopener noreferrer external"><span class="Button_text__S2FJ_">Further details can be found here</span></a>.</p></div></div></div></div></div></div></div></div></div></section></div><section class=" Section_section__mRxGN Section_secondary__NxgD1 Section_auto__2Ub8u Section_paddingbottomnone__1i30t" data-testid="subtitle-section"><div class="Section_contentContainer__ciYat"><div class="Block_block__Q3GQF Block_transparent__FJxI6 Block_textCenter__WvWTU Block_horizontalCenter__Hc_pi Block_verticalMiddle__vqNW5 paddingHorizontalAuto Block_paddingVerticalSmall__5ZA7U Block_marginHorizontalAuto__JOVH_ Block_marginVerticalNone__DIokE"><div class="Block_contentContainer__CWeAy"><div class="Subtitle_content__YW5SS spacing_vSpacing10__Vw3Bl"><h2 class="Title_title__6QR87 Title_primary__m7Tjj text-heading-2 Title_center__fqUI_" id="understanding-your-rates">Understanding your rates</h2></div></div></div></div></section><section class="Section_section__mRxGN Section_secondary__NxgD1 Section_auto__2Ub8u"><div class="Section_contentContainer__ciYat"><div class="CardList_CardList__xh9wK CardList_autofit__KNjIe"><div class="Card_cardWrapper__TTeTI" data-testid="cardWrapper"><div class="Card_card__zEK7Z Card_light__flWgn Card_secondary__Xsm9Q Card_paddingtopmedium__8XW__ Card_paddingbottommedium__kJTwQ"><div class="Card_titleContainer__bkMxU"><img class="undefined Icon_icon__Haypr Icon_addMargin__1i9ZI Icon_transparent__gOWmA Icon_large__McJOc Icon_image__BmpRz Icon_noFill__Cnqz2" src="https://images.ctfassets.net/ro61k101ee59/1YJhqTaD3KxJFVBkL577fD/5d626d6faee1b222babb12f9dc653b1f/Bank.png" aria-hidden="true" alt="" loading="lazy"/><h3 class="Card_title__2ya4E">EAR</h3></div><div class="Card_descriptionContainer__dX1OP"><div class="Markdown_Markdown__aEd_X Markdown_light__YcqB9" data-testid="markdown"><div class="Text_text__CSJ_O"><p>EAR stands for effective annual rate. It’s equivalent to the interest rate you'll pay if you're overdrawn for a year. You'll pay interest on the amount you're overdrawn by, and on the interest that builds up from being overdrawn. You'll pay less if you regularly pay off your overdraft. EAR doesn’t include other fees, like hidden or late fees – but we don’t charge these.</p></div></div></div></div></div><div class="Card_cardWrapper__TTeTI" data-testid="cardWrapper"><div class="Card_card__zEK7Z Card_light__flWgn Card_secondary__Xsm9Q Card_paddingtopmedium__8XW__ Card_paddingbottommedium__kJTwQ"><div class="Card_titleContainer__bkMxU"><img class="undefined Icon_icon__Haypr Icon_addMargin__1i9ZI Icon_transparent__gOWmA Icon_large__McJOc Icon_image__BmpRz Icon_noFill__Cnqz2" src="https://images.ctfassets.net/ro61k101ee59/EQaJ9HV04vP1szlu1nzSy/c05fd4a20fcfafb2d379e542ad309c8a/Percentage.png" aria-hidden="true" alt="" loading="lazy"/><h3 class="Card_title__2ya4E">APR (variable)</h3></div><div class="Card_descriptionContainer__dX1OP"><div class="Markdown_Markdown__aEd_X Markdown_light__YcqB9" data-testid="markdown"><div class="Text_text__CSJ_O"><p>APR stands for annual percentage rate. It’s calculated the same way as EAR, plus additional fees (like hidden or late fees). We don’t charge these so our EAR and APR are the same.</p></div><div class="Text_text__CSJ_O"><p>Variable means we have the right to change the rate, but we’ll always give you notice if we do.</p></div></div></div></div></div><div class="Card_cardWrapper__TTeTI" data-testid="cardWrapper"><div class="Card_card__zEK7Z Card_light__flWgn Card_secondary__Xsm9Q Card_paddingtopmedium__8XW__ Card_paddingbottommedium__kJTwQ"><div class="Card_titleContainer__bkMxU"><img class="undefined Icon_icon__Haypr Icon_addMargin__1i9ZI Icon_transparent__gOWmA Icon_large__McJOc Icon_image__BmpRz Icon_noFill__Cnqz2" src="https://images.ctfassets.net/ro61k101ee59/5snPqDp2G8FCkiCT1BebCG/351dfcd7eb6d696c0bed52f441fdb25b/Representative.png" aria-hidden="true" alt="" loading="lazy"/><h3 class="Card_title__2ya4E">Representative APR</h3></div><div class="Card_descriptionContainer__dX1OP"><div class="Markdown_Markdown__aEd_X Markdown_light__YcqB9" data-testid="markdown"><div class="Text_text__CSJ_O"><p>You may see two types of interest, representative and personal. Representative APR is the rate that we currently offer more than 51% of people who apply. The rate you’re actually offered is your personal APR – this is usually based on things like your credit score.</p></div><div class="Text_text__CSJ_O"><p>You can use the calculator below to figure out how much you would pay depending on your personal rate.</p></div></div></div></div></div></div></div></section><section class="Section_section__mRxGN Section_secondary__NxgD1 Section_auto__2Ub8u Section_paddingtopnone__RBh7i Section_paddingbottomxlarge__oSYpM"><div class="Section_contentContainer__ciYat"><div class="Block_block__Q3GQF Block_secondary__tjeJr Block_textLeft__FXaVt Block_horizontalCenter__Hc_pi Block_paddingHorizontalNone__oOOVI Block_paddingVerticalNone__65947 Block_marginHorizontalAuto__JOVH_ Block_marginVerticalNone__DIokE"><div class="Block_contentContainer__CWeAy"><a class="Button_button__OFOdO Button_primary__WTwSy Button_center__lDq2_" data-monzoanalytics-no-tracking="true" target="_self" href="https://we83.adj.st/home?adj_t=1dj2rkno_1dxkjz95&adj_redirect=https%3A%2F%2Fmonzo.com%2Fsign-up&adj_engagement_type=fallback_click" rel="noopener noreferrer external"><span class="Button_text__S2FJ_">Open an account for free</span></a></div></div></div></section><section class="OverdraftFeeCalculator_OverdraftFeeCalculator__wRADU OverdraftFeeCalculator_light__onLhH Section_section__mRxGN Section_auto__2Ub8u"><div class="Section_contentContainer__ciYat"><div class="Block_block__Q3GQF Block_transparent__FJxI6 Block_textLeft__FXaVt Block_paddingHorizontalSmall__i62HY Block_paddingVerticalNone__65947 Block_marginHorizontalAuto__JOVH_ Block_marginVerticalNone__DIokE"><div class="Block_contentContainer__CWeAy"><form class="OverdraftFeeCalculator_box__oASjy"><div class="OverdraftFeeCalculator_sliders__cYgJG"><div class="Text_text__CSJ_O Text_lead___fdMb Text_marginBottom___UK4L"><p>Overdraft cost calculator</p></div><div class="OverdraftFeeCalculator_sliderBox__ZFIFn"><div class="Text_text__CSJ_O Text_lead___fdMb Text_marginBottom___UK4L"><p>Arranged</p></div><div class=" OverdraftSliderGroup_OverdraftSliderGroup__O2eO3 OverdraftSliderGroup_light__oUPTM "><div class="OverdraftSliderGroup_row__plUaQ"><div class="Slider_Slider__uTZuo Slider_light__UwG8j undefined"><label class="Slider_label__N6Xdf" for="arranged-amount">Amount to borrow</label><div class="Slider_horizontalContainer__fJFzh"><input type="range" id="arranged-amount" min="0" max="3000" class="Slider_sliderInput__kVQ3V Slider_light__UwG8j" step="50" value="0"/><div class="Slider_sliderAmount__bq9ET"><output for="arranged-amount">£0</output></div></div></div></div><div class="OverdraftSliderGroup_row__plUaQ"><div class="Slider_Slider__uTZuo Slider_light__UwG8j undefined"><label class="Slider_label__N6Xdf" for="arranged-days">Number of days</label><div class="Slider_horizontalContainer__fJFzh"><input type="range" id="arranged-days" min="1" max="31" class="Slider_sliderInput__kVQ3V Slider_light__UwG8j" step="1" value="1"/><div class="Slider_sliderAmount__bq9ET"><output for="arranged-days">1</output></div></div></div></div></div></div><div class="OverdraftFeeCalculator_sliderBox__ZFIFn"><div class="Text_text__CSJ_O Text_lead___fdMb Text_marginBottom___UK4L"><p>Unarranged</p></div><div class=" OverdraftSliderGroup_OverdraftSliderGroup__O2eO3 OverdraftSliderGroup_light__oUPTM "><div class="OverdraftSliderGroup_row__plUaQ"><div class="Slider_Slider__uTZuo Slider_light__UwG8j undefined"><label class="Slider_label__N6Xdf" for="unarranged-amount">Amount to borrow</label><div class="Slider_horizontalContainer__fJFzh"><input type="range" id="unarranged-amount" min="0" max="3000" class="Slider_sliderInput__kVQ3V Slider_light__UwG8j" step="50" value="0"/><div class="Slider_sliderAmount__bq9ET"><output for="unarranged-amount">£0</output></div></div></div></div><div class="OverdraftSliderGroup_row__plUaQ"><div class="Slider_Slider__uTZuo Slider_light__UwG8j undefined"><label class="Slider_label__N6Xdf" for="unarranged-days">Number of days</label><div class="Slider_horizontalContainer__fJFzh"><input type="range" id="unarranged-days" min="1" max="31" class="Slider_sliderInput__kVQ3V Slider_light__UwG8j" step="1" value="1"/><div class="Slider_sliderAmount__bq9ET"><output for="unarranged-days">1</output></div></div></div></div></div></div></div><div class="OverdraftFeePicker_OverdraftFeePicker__iOfKi OverdraftFeePicker_light__jyKjg"><span>If you borrowed <span>£<!-- -->0<!-- --> </span>for<span> <!-- -->1<!-- --> </span>day<br/>from your arranged overdraft</span><label>at a rate of<!-- --> <select name="rate" class="OverdraftFeePicker_rateInput__qNAeQ"><option value="APR19">19% EAR/APR</option><option value="APR29">29% EAR/APR</option><option value="APR39" selected="">39% EAR/APR</option></select></label></div><div class="OverdraftFeeCalculator_total__enrTO"><p class="OverdraftFeeTotal_totalAmount__jtaUs">£<output name="totalCost" id="totalCost" aria-label="Total cost">0.00</output></p><div class="Text_text__CSJ_O Text_semiBold__vEerQ Text_marginBottom___UK4L"><p>Total cost</p></div></div></form></div></div></div></section><section class="Section_section__mRxGN Section_forceDarkMode__UnZnw Section_primary__kY5xJ Section_auto__2Ub8u"><div class="Section_contentContainer__ciYat"><div class="Block_block__Q3GQF Block_widthFull__WEEtp Block_forceDarkMode__vY6vw Block_transparent__FJxI6 Block_textLeft__FXaVt Block_paddingHorizontalMedium__jHl0b Block_paddingVerticalMedium__5Q4LL Block_marginHorizontalAuto__JOVH_ Block_marginVerticalNone__DIokE"><div class="Block_contentContainer__CWeAy"><h3 class="Title_title__6QR87 Title_forceDarkMode__UjAB1 Title_primary__m7Tjj text-heading-3 Title_left___R_Ga Title_marginBottom__TiQqA" id="check-if-youre-eligible-for-an-overdraft">Check if you're eligible for an overdraft</h3><div class="Text_text__CSJ_O Text_forceDarkMode__G2s7d Text_marginBottom___UK4L"><p>You can use this eligibility checker to see if you’re likely to get an overdraft with us. Please note a few things:</p></div><ul class="List_List__QAbJI List_dark__mZfyd List_margin__RxbID"><li class=""><div class="Text_text__CSJ_O Text_forceDarkMode__G2s7d"><p>Using this checker doesn’t guarantee you’ll get an overdraft with us</p></div></li><li class=""><div class="Text_text__CSJ_O Text_forceDarkMode__G2s7d"><p>The outcome is based solely on the accuracy on the information you give us</p></div></li><li class=""><div class="Text_text__CSJ_O Text_forceDarkMode__G2s7d"><p>Using the checker won't affect your credit file in any way</p></div></li><li class=""><div class="Text_text__CSJ_O Text_forceDarkMode__G2s7d"><p>Any overdraft offered by Monzo will depend on a full eligibility assessment (this will happen when you apply for an overdraft in our app)</p></div></li></ul></div></div><div class="OverdraftEligibilityChecker_formContainer__AFB5n"><div class="OverdraftEligibilityCheckerForm_OverdraftEligibilityCheckerForm__I092o OverdraftEligibilityCheckerForm_light__cADCn"><form><h3 class="Title_title__6QR87 Title_primary__m7Tjj text-heading-4 Title_left___R_Ga Title_marginBottom__TiQqA" id="personal-questions">Personal Questions</h3><div class="OverdraftEligibilityCheckerForm_formSection__U0QE6"><div class="OverdraftEligibilityCheckerForm_rowContainer__iHLCE"><div class="OverdraftEligibilityCheckerForm_inputWrapper__bjzRb"><label class="undefined TextInput_TextInput__ZYEm6 TextInput_light__qNtTN">How old are you?<div class="TextInput_horizontalContainer___lWH_ TextInput_fullWidth__mlySF"><div class="TextInput_input__Hot8j TextInput_horizontalContainer___lWH_"><input name="age" min="0" type="number" aria-invalid="false" class="TextInput_nestedInput__rpWWg" value=""/></div></div><p class="TextInput_hint__QS3qF"></p><p class="TextInput_labelBelow__Pfjhm"></p></label></div><div class="OverdraftEligibilityCheckerForm_inputWrapper__bjzRb"><label class="Select_Select__xxA_Z Select_light__A7bye">What's your employment status?<div class="Select_horizontalContainer__dnqYz Select_fullWidth__3DwO_"><select class="Select_input__JYjsP" role="listbox" name="employmentStatus"><option value="full_time" selected="">Full Time</option><option value="part_time">Part Time</option><option value="retired">Retired</option><option value="self_employed">Self Employed</option><option value="student">Student</option><option value="not_employed">Unemployed</option></select></div><p class="Select_hint__sTtRh"></p></label></div></div><div class="OverdraftEligibilityCheckerForm_rowContainer__iHLCE"><div class="OverdraftEligibilityCheckerForm_inputWrapper__bjzRb"><label class="Select_Select__xxA_Z Select_light__A7bye">What's your residential status?<div class="Select_horizontalContainer__dnqYz Select_fullWidth__3DwO_"><select class="Select_input__JYjsP" role="listbox" name="residentialStatus"><option value="tenant" selected="">Tenant</option><option value="mortgage">Owner - Mortgage</option><option value="no-mortgage">Owner - No Mortgage</option><option value="living-with-parents">Living with parents</option><option value="other">Other</option></select></div><p class="Select_hint__sTtRh"></p></label></div><div class="OverdraftEligibilityCheckerForm_inputWrapper__bjzRb"><label class="undefined TextInput_TextInput__ZYEm6 TextInput_light__qNtTN">What's your monthly share of the rent?<div class="TextInput_horizontalContainer___lWH_ TextInput_fullWidth__mlySF"><div class="TextInput_input__Hot8j TextInput_horizontalContainer___lWH_"><p class="TextInput_prefix___CHe7">£</p><input name="housingExpenditure" min="0" type="number" aria-invalid="false" placeholder="Per month" class="TextInput_nestedInput__rpWWg" value=""/></div></div><p class="TextInput_hint__QS3qF"></p><p class="TextInput_labelBelow__Pfjhm"></p></label></div></div><div class="OverdraftEligibilityCheckerForm_rowContainer__iHLCE"><div class="OverdraftEligibilityCheckerForm_inputWrapper__bjzRb"><label class="undefined TextInput_TextInput__ZYEm6 TextInput_light__qNtTN">What's your postcode?<div class="TextInput_horizontalContainer___lWH_ TextInput_fullWidth__mlySF"><div class="TextInput_input__Hot8j TextInput_horizontalContainer___lWH_"><input name="postcode" type="text" aria-invalid="false" class="TextInput_nestedInput__rpWWg" value=""/></div></div><p class="TextInput_hint__QS3qF"></p><p class="TextInput_labelBelow__Pfjhm"></p></label></div><div class="OverdraftEligibilityCheckerForm_inputWrapper__bjzRb"><label class="undefined TextInput_TextInput__ZYEm6 TextInput_light__qNtTN">What's your annual income before tax?<div class="TextInput_horizontalContainer___lWH_ TextInput_fullWidth__mlySF"><div class="TextInput_input__Hot8j TextInput_horizontalContainer___lWH_"><p class="TextInput_prefix___CHe7">£</p><input min="0" name="income" type="number" aria-invalid="false" placeholder="Per year" class="TextInput_nestedInput__rpWWg" value=""/></div></div><p class="TextInput_hint__QS3qF"></p><p class="TextInput_labelBelow__Pfjhm"></p></label></div></div><div class="OverdraftEligibilityCheckerForm_inputWrapper__bjzRb"><label class="undefined TextInput_TextInput__ZYEm6 TextInput_light__qNtTN">Is your income likely to go down in the near future? What is your expected annual income before tax?<div class="TextInput_horizontalContainer___lWH_ TextInput_fullWidth__mlySF"><div class="TextInput_input__Hot8j TextInput_horizontalContainer___lWH_"><p class="TextInput_prefix___CHe7">£</p><input name="reducedIncome" min="0" type="number" aria-invalid="false" placeholder="Per year" class="TextInput_nestedInput__rpWWg" value=""/></div></div><p class="TextInput_hint__QS3qF"></p><p class="TextInput_labelBelow__Pfjhm"></p></label></div><div class="OverdraftEligibilityCheckerForm_inputWrapper__bjzRb"><label class="undefined TextInput_TextInput__ZYEm6 TextInput_light__qNtTN">How many people rely on you financially? Like your partner, children or relatives?<div class="TextInput_horizontalContainer___lWH_ TextInput_fullWidth__mlySF"><div class="TextInput_input__Hot8j TextInput_horizontalContainer___lWH_"><input name="numDependents" min="0" type="number" aria-invalid="false" class="TextInput_nestedInput__rpWWg" value="0"/></div></div><p class="TextInput_hint__QS3qF"></p><p class="TextInput_labelBelow__Pfjhm"></p></label></div><div class="OverdraftEligibilityCheckerForm_inputWrapper__bjzRb"><div class="undefined RadioInputList_RadioInputList__JTtnc RadioInputList_light__8VM13"><span id="hasPreviousCredit-label">Have you had a bank account with an overdraft or a credit card in the UK for more than a year?</span><div class="RadioInputList_horizontalContainer__lGpcy RadioInputList_fullWidth__enRr7" role="radiogroup" aria-labelledby="hasPreviousCredit-label"><label class="undefined RadioInput_RadioInput__65Tfs RadioInput_light__TFPFi"><div class="RadioInput_horizontalContainer__Ic4jH" role="radio" aria-checked="false" tabindex="0"><input type="radio" name="hasPreviousCredit"/><span class="RadioInput_checkedPlaceholder__YPq4K"></span><span class="RadioInput_radioPlaceholder___8_hG"></span><p>Yes</p></div></label><label class="undefined RadioInput_RadioInput__65Tfs RadioInput_light__TFPFi"><div class="RadioInput_horizontalContainer__Ic4jH" role="radio" aria-checked="false" tabindex="0"><input type="radio" name="hasPreviousCredit"/><span class="RadioInput_checkedPlaceholder__YPq4K"></span><span class="RadioInput_radioPlaceholder___8_hG"></span><p>No</p></div></label></div><p class="RadioInputList_hint__ujW3P"></p></div></div><div class="OverdraftEligibilityCheckerForm_inputWrapper__bjzRb"><div class="undefined RadioInputList_RadioInputList__JTtnc RadioInputList_light__8VM13"><span id="hasPreviousJudgementOrDefault-label">Have you got a county court judgement or defaulted on some borrowing in the past 6 years?</span><div class="RadioInputList_horizontalContainer__lGpcy RadioInputList_fullWidth__enRr7" role="radiogroup" aria-labelledby="hasPreviousJudgementOrDefault-label"><label class="undefined RadioInput_RadioInput__65Tfs RadioInput_light__TFPFi"><div class="RadioInput_horizontalContainer__Ic4jH" role="radio" aria-checked="false" tabindex="0"><input type="radio" name="hasPreviousJudgementOrDefault"/><span class="RadioInput_checkedPlaceholder__YPq4K"></span><span class="RadioInput_radioPlaceholder___8_hG"></span><p>Yes</p></div></label><label class="undefined RadioInput_RadioInput__65Tfs RadioInput_light__TFPFi"><div class="RadioInput_horizontalContainer__Ic4jH" role="radio" aria-checked="false" tabindex="0"><input type="radio" name="hasPreviousJudgementOrDefault"/><span class="RadioInput_checkedPlaceholder__YPq4K"></span><span class="RadioInput_radioPlaceholder___8_hG"></span><p>No</p></div></label></div><p class="RadioInputList_hint__ujW3P"></p></div></div><div class="OverdraftEligibilityCheckerForm_inputWrapper__bjzRb"><div class="undefined RadioInputList_RadioInputList__JTtnc RadioInputList_light__8VM13"><span id="hasMissedPayments-label">Have you missed any payments on borrowing in the last 2 years?</span><div class="RadioInputList_horizontalContainer__lGpcy RadioInputList_fullWidth__enRr7" role="radiogroup" aria-labelledby="hasMissedPayments-label"><label class="undefined RadioInput_RadioInput__65Tfs RadioInput_light__TFPFi"><div class="RadioInput_horizontalContainer__Ic4jH" role="radio" aria-checked="false" tabindex="0"><input type="radio" name="hasMissedPayments"/><span class="RadioInput_checkedPlaceholder__YPq4K"></span><span class="RadioInput_radioPlaceholder___8_hG"></span><p>Yes</p></div></label><label class="undefined RadioInput_RadioInput__65Tfs RadioInput_light__TFPFi"><div class="RadioInput_horizontalContainer__Ic4jH" role="radio" aria-checked="false" tabindex="0"><input type="radio" name="hasMissedPayments"/><span class="RadioInput_checkedPlaceholder__YPq4K"></span><span class="RadioInput_radioPlaceholder___8_hG"></span><p>No</p></div></label></div><p class="RadioInputList_hint__ujW3P"></p></div></div></div><h3 class="Title_title__6QR87 Title_primary__m7Tjj text-heading-4 Title_left___R_Ga Title_marginBottom__TiQqA" id="existing-debt">Existing Debt</h3><div class="OverdraftEligibilityCheckerForm_formSection__U0QE6"><div class="OverdraftEligibilityCheckerForm_rowContainer__iHLCE"><div class="OverdraftEligibilityCheckerForm_inputWrapper__bjzRb"><label class="undefined TextInput_TextInput__ZYEm6 TextInput_light__qNtTN">Do you have a credit card? How much credit are you currently using?<div class="TextInput_horizontalContainer___lWH_ TextInput_fullWidth__mlySF"><div class="TextInput_input__Hot8j TextInput_horizontalContainer___lWH_"><p class="TextInput_prefix___CHe7">£</p><input name="creditBalance" min="0" type="number" aria-invalid="false" class="TextInput_nestedInput__rpWWg" value=""/></div></div><p class="TextInput_hint__QS3qF"></p><p class="TextInput_labelBelow__Pfjhm"></p></label></div><div class="OverdraftEligibilityCheckerForm_inputWrapper__bjzRb"><label class="undefined TextInput_TextInput__ZYEm6 TextInput_light__qNtTN">Do you have an overdraft elsewhere? How much are you currently using?<div class="TextInput_horizontalContainer___lWH_ TextInput_fullWidth__mlySF"><div class="TextInput_input__Hot8j TextInput_horizontalContainer___lWH_"><p class="TextInput_prefix___CHe7">£</p><input name="overdraftBalance" min="0" type="number" aria-invalid="false" class="TextInput_nestedInput__rpWWg" value=""/></div></div><p class="TextInput_hint__QS3qF"></p><p class="TextInput_labelBelow__Pfjhm"></p></label></div></div><div class="OverdraftEligibilityCheckerForm_inputWrapper__bjzRb"><label class="undefined TextInput_TextInput__ZYEm6 TextInput_light__qNtTN">How much do you pay off monthly in loans, car financing, etc?<div class="TextInput_horizontalContainer___lWH_ TextInput_fullWidth__mlySF"><div class="TextInput_input__Hot8j TextInput_horizontalContainer___lWH_"><p class="TextInput_prefix___CHe7">£</p><input name="fixedMonthlyPayments" min="0" type="number" aria-invalid="false" class="TextInput_nestedInput__rpWWg" value=""/></div></div><p class="TextInput_hint__QS3qF"></p><p class="TextInput_labelBelow__Pfjhm">This includes any other financing options (e.g. paying off a new phone monthly)</p></label></div></div><div><div class="OverdraftEligibilityCheckerForm_overdraftLimitContainer__cVEP0"><h3 class="Title_title__6QR87 Title_forceDarkMode__UjAB1 Title_primary__m7Tjj text-heading-5 Title_left___R_Ga Title_marginBottom__TiQqA" id="how-much-would-you-like-your-overdraft-limit-to-be">How much would you like your overdraft limit to be?</h3><div class="Slider_Slider__uTZuo Slider_dark__x_2CE OverdraftEligibilityCheckerForm_slider__dtlNk"><div class="Slider_horizontalContainer__fJFzh"><input type="range" id="desiredLimit" min="250" aria-label="How much would you like your overdraft limit to be?" max="3000" class="Slider_sliderInput__kVQ3V Slider_dark__x_2CE" step="250" value="250"/><div class="Slider_sliderAmount__bq9ET"><output for="desiredLimit">£250</output></div></div></div><button class="Button_button__OFOdO Button_forceDarkMode__BD50f Button_secondary__KMeNe Button_center__lDq2_" data-monzoanalytics-no-tracking="true" type="button"><span class="Button_text__S2FJ_">Check Eligibility</span></button></div></div></form><div class="OverdraftEligibilityCheckerForm_uncertaintyWarning__7EUB2"><h5 class="Title_title__6QR87 Title_primary__m7Tjj text-heading-5 Title_center__fqUI_ Title_marginBottom__TiQqA" id="remember-these-results-are-notdefinite-this-is-just-a-guide">Remember: these results are not<br/>definite, this is just a guide</h5></div></div></div></div></section><section class="Section_section__mRxGN Section_forceDarkMode__UnZnw Section_primary__kY5xJ Section_auto__2Ub8u Section_paddingtopnone__RBh7i Section_paddingbottomxlarge__oSYpM"><div class="Section_contentContainer__ciYat"><div class="Block_block__Q3GQF Block_forceDarkMode__vY6vw Block_primary__bxLMR Block_textLeft__FXaVt Block_horizontalCenter__Hc_pi Block_paddingHorizontalNone__oOOVI Block_paddingVerticalNone__65947 Block_marginHorizontalAuto__JOVH_ Block_marginVerticalNone__DIokE"><div class="Block_contentContainer__CWeAy"><a class="Button_button__OFOdO Button_forceDarkMode__BD50f Button_primary__WTwSy Button_center__lDq2_" data-monzoanalytics-no-tracking="true" target="_self" href="https://we83.adj.st/home?adj_t=1dj2rkno_1dxkjz95&adj_redirect=https%3A%2F%2Fmonzo.com%2Fsign-up&adj_engagement_type=fallback_click" rel="noopener noreferrer external"><span class="Button_text__S2FJ_">Apply in 10 minutes</span></a></div></div></div></section></main><div class="Footer_footerContainer__c1N4v Footer_forceDarkMode__Oimpe"><footer class="Footer_Footer__MDr8W Footer_forceDarkMode__Oimpe" role="menu"><div class="Footer_logo__tSFSn"><a role="menuitem" class="Footer_logoLink__gs4rX" data-monzoanalytics-action-id="link_clicked" data-monzoanalytics-action-parameters="link_location=footer&link_text=Monzo Bank&link_type=navigation&url=/&currentUrl=/overdrafts" href="/"><img class="Footer_logoImage__XvGRA" src="https://static-assets.monzo.com/monzo-com/a2b5606076242db4c9bc5fdbaaf680a82d850c78/_next/static/media/monzo-logo-on-dark.a1b99872.svg" alt="Monzo Bank"/></a></div><div class="Footer_links__y6OjA"><ul><li><a class="Button_button__OFOdO Button_forceDarkMode__BD50f Button_link__wbUuG Button_left__KSJOX" data-monzoanalytics-no-tracking="true" target="_self" rel="" href="https://monzo.com/help"><span class="Button_text__S2FJ_">Help centre</span></a></li><li><a class="Button_button__OFOdO Button_forceDarkMode__BD50f Button_link__wbUuG Button_left__KSJOX" data-monzoanalytics-no-tracking="true" target="_self" rel="" href="https://monzo.com/about"><span class="Button_text__S2FJ_">About us</span></a></li><li><a class="Button_button__OFOdO Button_forceDarkMode__BD50f Button_link__wbUuG Button_left__KSJOX" data-monzoanalytics-no-tracking="true" target="_self" rel="" href="https://monzo.com/us"><span class="Button_text__S2FJ_">Monzo US</span></a></li><li><a class="Button_button__OFOdO Button_forceDarkMode__BD50f Button_link__wbUuG Button_left__KSJOX" data-monzoanalytics-no-tracking="true" target="_self" rel="" href="https://monzo.com/blog"><span class="Button_text__S2FJ_">Blog</span></a></li><li><a class="Button_button__OFOdO Button_forceDarkMode__BD50f Button_link__wbUuG Button_left__KSJOX" data-monzoanalytics-no-tracking="true" target="_self" rel="" href="https://monzo.com/press"><span class="Button_text__S2FJ_">Press</span></a></li><li><a class="Button_button__OFOdO Button_forceDarkMode__BD50f Button_link__wbUuG Button_left__KSJOX" data-monzoanalytics-no-tracking="true" target="_self" rel="" href="/careers"><span class="Button_text__S2FJ_">Careers</span></a></li><li><a class="Button_button__OFOdO Button_forceDarkMode__BD50f Button_link__wbUuG Button_left__KSJOX" data-monzoanalytics-no-tracking="true" target="_self" rel="" href="/our-social-programme"><span class="Button_text__S2FJ_">Our social programme</span></a></li><li><a class="Button_button__OFOdO Button_forceDarkMode__BD50f Button_link__wbUuG Button_left__KSJOX" data-monzoanalytics-no-tracking="true" target="_self" rel="" href="/accessibility"><span class="Button_text__S2FJ_">Accessibility</span></a></li><li><a class="Button_button__OFOdO Button_forceDarkMode__BD50f Button_link__wbUuG Button_left__KSJOX" data-monzoanalytics-no-tracking="true" target="_self" href="https://web.monzo.com/" rel="noopener noreferrer external"><span class="Button_text__S2FJ_">Lost your phone and card?</span></a></li><li><a class="Button_button__OFOdO Button_forceDarkMode__BD50f Button_link__wbUuG Button_left__KSJOX" data-monzoanalytics-no-tracking="true" target="_self" rel="" href="https://monzo.com/investor-information"><span class="Button_text__S2FJ_">Investor Information</span></a></li><li><a class="Button_button__OFOdO Button_forceDarkMode__BD50f Button_link__wbUuG Button_left__KSJOX" data-monzoanalytics-no-tracking="true" target="_self" rel="" href="https://monzo.com/supporting-all-our-customers"><span class="Button_text__S2FJ_">Supporting all our customers</span></a></li><li><a class="Button_button__OFOdO Button_forceDarkMode__BD50f Button_link__wbUuG Button_left__KSJOX" data-monzoanalytics-no-tracking="true" target="_self" rel="" href="/money-worries"><span class="Button_text__S2FJ_">How we can support with money worries</span></a></li><li><a class="Button_button__OFOdO Button_forceDarkMode__BD50f Button_link__wbUuG Button_left__KSJOX" data-monzoanalytics-no-tracking="true" target="_self" rel="" href="https://monzo.com/helping-everyone-belong-at-monzo"><span class="Button_text__S2FJ_">Helping everyone belong at Monzo</span></a></li><li><a class="Button_button__OFOdO Button_forceDarkMode__BD50f Button_link__wbUuG Button_left__KSJOX" data-monzoanalytics-no-tracking="true" target="_self" rel="" href="https://monzo.com/fraud"><span class="Button_text__S2FJ_">How we protect you</span></a></li><li><a class="Button_button__OFOdO Button_forceDarkMode__BD50f Button_link__wbUuG Button_left__KSJOX" data-monzoanalytics-no-tracking="true" target="_self" rel="" href="https://monzo.com/tone-of-voice"><span class="Button_text__S2FJ_">Our tone of voice</span></a></li><li><a class="Button_button__OFOdO Button_forceDarkMode__BD50f Button_link__wbUuG Button_left__KSJOX" data-monzoanalytics-no-tracking="true" target="_self" rel="" href="https://monzo.com/business-banking"><span class="Button_text__S2FJ_">Business Accounts</span></a></li><li><a class="Button_button__OFOdO Button_forceDarkMode__BD50f Button_link__wbUuG Button_left__KSJOX" data-monzoanalytics-no-tracking="true" target="_self" rel="" href="https://monzo.com/modern-slavery-statements"><span class="Button_text__S2FJ_">Modern Slavery Statement</span></a></li><li><a class="Button_button__OFOdO Button_forceDarkMode__BD50f Button_link__wbUuG Button_left__KSJOX" data-monzoanalytics-no-tracking="true" target="_self" rel="" href="https://monzo.com/faq"><span class="Button_text__S2FJ_">FAQ</span></a></li><li><a class="Button_button__OFOdO Button_forceDarkMode__BD50f Button_link__wbUuG Button_left__KSJOX" data-monzoanalytics-no-tracking="true" target="_self" href="https://monzo.com/legal/terms-and-conditions/" rel="noopener noreferrer external"><span class="Button_text__S2FJ_">Terms & Conditions</span></a></li><li><a class="Button_button__OFOdO Button_forceDarkMode__BD50f Button_link__wbUuG Button_left__KSJOX" data-monzoanalytics-no-tracking="true" target="_self" href="https://monzo.com/legal/fscs-information/" rel="noopener noreferrer external"><span class="Button_text__S2FJ_">FSCS information</span></a></li><li><a class="Button_button__OFOdO Button_forceDarkMode__BD50f Button_link__wbUuG Button_left__KSJOX" data-monzoanalytics-no-tracking="true" target="_self" href="https://monzo.com/legal/privacy-notice/" rel="noopener noreferrer external"><span class="Button_text__S2FJ_">Privacy Notice</span></a></li><li><a class="Button_button__OFOdO Button_forceDarkMode__BD50f Button_link__wbUuG Button_left__KSJOX" data-monzoanalytics-no-tracking="true" target="_self" href="https://monzo.com/legal/cookie-notice/" rel="noopener noreferrer external"><span class="Button_text__S2FJ_">Cookie Notice</span></a></li><li><a class="Button_button__OFOdO Button_forceDarkMode__BD50f Button_link__wbUuG Button_left__KSJOX" data-monzoanalytics-no-tracking="true" target="_self" href="https://monzo.com/legal/browser-support-policy/" rel="noopener noreferrer external"><span class="Button_text__S2FJ_">Browser Support Policy</span></a></li><li><a class="Button_button__OFOdO Button_forceDarkMode__BD50f Button_link__wbUuG Button_left__KSJOX" data-monzoanalytics-no-tracking="true" target="_self" href="https://monzo.com/legal/mobile-operating-system-support-policy/" rel="noopener noreferrer external"><span class="Button_text__S2FJ_">Mobile Operating System Support Policy</span></a></li><li><a class="Button_button__OFOdO Button_forceDarkMode__BD50f Button_link__wbUuG Button_left__KSJOX" data-monzoanalytics-no-tracking="true" target="_self" rel="" href="https://monzo.com/information-about-current-account-services"><span class="Button_text__S2FJ_">Information about our Personal Current Account Services</span></a></li><li><a class="Button_button__OFOdO Button_forceDarkMode__BD50f Button_link__wbUuG Button_left__KSJOX" data-monzoanalytics-no-tracking="true" target="_self" rel="" href="https://monzo.com/service-information"><span class="Button_text__S2FJ_">App and Open Banking Performance</span></a></li><li><a class="Button_button__OFOdO Button_forceDarkMode__BD50f Button_link__wbUuG Button_left__KSJOX" data-monzoanalytics-no-tracking="true" target="_self" rel="" href="https://monzo.com/learn/savings"><span class="Button_text__S2FJ_">Saving hub</span></a></li></ul></div><div class="Footer_locale__IADws"><nav aria-label="Choose a country/region. The current selection is United Kingdom" id="locale-button"><button aria-expanded="false" class="Footer_localeButton__pVOy1" data-monzoanalytics-action-id="open-locale-switcher" type="button">🇬🇧<!-- --> <!-- -->United Kingdom<!-- --> | <!-- -->English</button></nav></div><div class="Footer_appStore__xbjmA"><a aria-label="Download on the App Store" href="https://we83.adj.st/home?adj_t=1dj2rkno&adj_fallback=https%3A%2F%2Fmonzo.com%2Fdownload&adj_engagement_type=fallback_click" data-monzoanalytics-no-tracking="true" class="AppStoreButton_appStoreButton__6VAjq undefined undefined null "><img width="150" loading="lazy" src="https://images.ctfassets.net/ro61k101ee59/47R5HVs5mn8kaXIb4IgfMJ/678738cebf35e278307695136c1be015/Download_on_the_App_Store_Badge_US-UK_RGB_blk_092917.svg" alt=""/></a><a aria-label="Get it on Google Play" href="https://app.adjust.com/1dxkjz95?fallback=https%3A%2F%2Fmonzo.com%2Fdownload&engagement_type=fallback_click" data-monzoanalytics-no-tracking="true" class="AppStoreButton_playStoreButton__iOEvY undefined undefined"><img width="191" loading="lazy" src="https://images.ctfassets.net/ro61k101ee59/hegpnNpXJdP4GkCOqHf5K/5a7d44685d8703460ca8db539f8401d5/google-play-badge.png" alt=""/></a></div><div class="Footer_social__8eyG7"><a class="Button_button__OFOdO Button_link__wbUuG Button_center__lDq2_ Button_hasIcon__CQ1JK" data-monzoanalytics-no-tracking="true" target="_blank" href="https://twitter.com/monzo" rel="noopener noreferrer external" aria-label="Twitter"><span aria-hidden="true"><span class="Button_iconWrapper__NO5bx"><img class="undefined Icon_icon__Haypr Icon_transparent__gOWmA Icon_large__McJOc Icon_image__BmpRz" src="https://static-assets.monzo.com/monzo-com/a2b5606076242db4c9bc5fdbaaf680a82d850c78/_next/static/media/twitter.96ceda75.svg" aria-hidden="true" alt="" loading="lazy"/></span></span></a><a class="Button_button__OFOdO Button_link__wbUuG Button_center__lDq2_ Button_hasIcon__CQ1JK" data-monzoanalytics-no-tracking="true" target="_blank" href="https://www.instagram.com/monzo" rel="noopener noreferrer external" aria-label="Instagram"><span aria-hidden="true"><span class="Button_iconWrapper__NO5bx"><img class="undefined Icon_icon__Haypr Icon_transparent__gOWmA Icon_large__McJOc Icon_image__BmpRz" src="https://static-assets.monzo.com/monzo-com/a2b5606076242db4c9bc5fdbaaf680a82d850c78/_next/static/media/instagram.1bbdc4ed.svg" aria-hidden="true" alt="" loading="lazy"/></span></span></a><a class="Button_button__OFOdO Button_link__wbUuG Button_center__lDq2_ Button_hasIcon__CQ1JK" data-monzoanalytics-no-tracking="true" target="_blank" href="https://www.facebook.com/monzobank" rel="noopener noreferrer external" aria-label="Facebook"><span aria-hidden="true"><span class="Button_iconWrapper__NO5bx"><img class="undefined Icon_icon__Haypr Icon_transparent__gOWmA Icon_large__McJOc Icon_image__BmpRz" src="https://static-assets.monzo.com/monzo-com/a2b5606076242db4c9bc5fdbaaf680a82d850c78/_next/static/media/facebook.94997288.svg" aria-hidden="true" alt="" loading="lazy"/></span></span></a><a class="Button_button__OFOdO Button_link__wbUuG Button_center__lDq2_ Button_hasIcon__CQ1JK" data-monzoanalytics-no-tracking="true" target="_blank" href="https://www.linkedin.com/company/monzo-bank" rel="noopener noreferrer external" aria-label="Linkedin"><span aria-hidden="true"><span class="Button_iconWrapper__NO5bx"><img class="undefined Icon_icon__Haypr Icon_transparent__gOWmA Icon_large__McJOc Icon_image__BmpRz" src="https://static-assets.monzo.com/monzo-com/a2b5606076242db4c9bc5fdbaaf680a82d850c78/_next/static/media/linkedin.9fc87684.svg" aria-hidden="true" alt="" loading="lazy"/></span></span></a><a class="Button_button__OFOdO Button_link__wbUuG Button_center__lDq2_ Button_hasIcon__CQ1JK" data-monzoanalytics-no-tracking="true" target="_blank" href="https://www.youtube.com/monzobank" rel="noopener noreferrer external" aria-label="Youtube"><span aria-hidden="true"><span class="Button_iconWrapper__NO5bx"><img class="undefined Icon_icon__Haypr Icon_transparent__gOWmA Icon_large__McJOc Icon_image__BmpRz" src="https://static-assets.monzo.com/monzo-com/a2b5606076242db4c9bc5fdbaaf680a82d850c78/_next/static/media/youtube.8039ba10.svg" aria-hidden="true" alt="" loading="lazy"/></span></span></a></div></footer><div class="Footer_copyrightNoticeContainer__JzD6V Footer_forceDarkMode__Oimpe"><div class="Footer_copyrightNotice__ZGhed"><div class="Text_text__CSJ_O Text_forceDarkMode__G2s7d Text_marginBottom___UK4L"><p><strong>Existing customers can get help via the app</strong></p></div><div class="Footer_termsContainer__qr7IS"><div class="Text_text__CSJ_O Text_forceDarkMode__G2s7d Text_marginBottom___UK4L"><p><small>Monzo Bank Limited is a company registered in England and Wales (No.09446231). Monzo Bank Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Our financial Services Register number is 730427. Our address is Broadwalk House, 5 Appold St, London EC2A 2AG.</small></p></div></div></div></div></div></div><script id="__NEXT_DATA__" type="application/json" crossorigin="anonymous">{"props":{"pageProps":{"anonID":"anon_e0bb6fdb-a093-452a-b16d-ff55f190b630","experimentsWithDefaults":[{"experimentID":"ca_homepage_navigation_cta_pairing","defaultVariant":"control"},{"experimentID":"header_navigation_reorder","defaultVariant":"control"}],"preview":false,"head":{"title":"Overdrafts | Apply for an Arranged Overdraft with Monzo","locale":"en","rootUrl":"https://monzo.com","slug":"/overdrafts","description":"Arranged overdrafts can be ideal if you need to borrow a little extra money to tide you over every now and then. Find out more about borrowing with Monzo.","ogImage":"//images.ctfassets.net/ro61k101ee59/37iU5WO8ibftrcTA9imG5f/3aac9b1ac49f048637f938257df67db0/Open_Graph_monzo.com.png"},"pageTheme":"default","sections":[{"content":[],"data":{"target":{"fields":{"flags":{"tmpLightHeroOverride":true},"heroCTA":{"fields":{"cta":"Explore overdrafts","href":"https://monzo.com/-deeplinks/overdrafts/","name":"Explore overdrafts"},"metadata":{"concepts":[],"tags":[]},"sys":{"contentType":{"sys":{"id":"webBlockCta","linkType":"ContentType","type":"Link"}},"createdAt":"2019-12-17T13:48:49.073Z","environment":{"sys":{"id":"master","linkType":"Environment","type":"Link"}},"id":"3KlGVlnonDeuAPQwJwdJCS","locale":"en","publishedVersion":23,"revision":3,"space":{"sys":{"id":"ro61k101ee59","linkType":"Space","type":"Link"}},"type":"Entry","updatedAt":"2024-05-09T15:18:57.166Z"}},"heroImage":{"fields":{"file":{"contentType":"image/png","details":{"image":{"height":1602,"width":1770},"size":390575},"fileName":"Hero - Desktop.png","url":"//images.ctfassets.net/ro61k101ee59/25B1AqZjiRvATpmvg6Jwr2/2fcd5e7a3d0bd8362e4391550b8f36de/Hero_-_Desktop.png"},"title":"Overdrafts Hero"},"metadata":{"concepts":[],"tags":[]},"sys":{"createdAt":"2022-11-29T20:40:52.208Z","environment":{"sys":{"id":"master","linkType":"Environment","type":"Link"}},"id":"25B1AqZjiRvATpmvg6Jwr2","locale":"en","publishedVersion":6,"revision":2,"space":{"sys":{"id":"ro61k101ee59","linkType":"Space","type":"Link"}},"type":"Asset","updatedAt":"2024-05-09T15:18:57.058Z"}},"legalText":"UK residents. 18+ only. Eligibility criteria and Ts\u0026Cs apply.","mobileHeroImage":{"fields":{"file":{"contentType":"image/png","details":{"image":{"height":556,"width":614},"size":87258},"fileName":"Hero - Mobile.png","url":"//images.ctfassets.net/ro61k101ee59/50LZynLRF3OXlFy5TyzkM9/56b8140cd8607e8d6acf98102bfc39bc/Hero_-_Mobile.png"},"title":"Overdrafts (Mobile)"},"metadata":{"concepts":[],"tags":[]},"sys":{"createdAt":"2022-11-29T20:40:52.220Z","environment":{"sys":{"id":"master","linkType":"Environment","type":"Link"}},"id":"50LZynLRF3OXlFy5TyzkM9","locale":"en","publishedVersion":8,"revision":2,"space":{"sys":{"id":"ro61k101ee59","linkType":"Space","type":"Link"}},"type":"Asset","updatedAt":"2024-05-09T15:18:57.062Z"}},"pageDescription":"Arranged overdrafts are a safety net for unplanned surprises. They’re designed for short term borrowing and they’ll cost less if you pay them back quickly.","pageTitle":"Monzo Overdrafts"},"metadata":{"concepts":[],"tags":[]},"sys":{"contentType":{"sys":{"id":"cmsSectionHero","linkType":"ContentType","type":"Link"}},"createdAt":"2019-12-17T13:49:00.318Z","environment":{"sys":{"id":"master","linkType":"Environment","type":"Link"}},"id":"m4hSPRnZDsFUpFtuoAFYB","locale":"en","publishedVersion":43,"revision":6,"space":{"sys":{"id":"ro61k101ee59","linkType":"Space","type":"Link"}},"type":"Entry","updatedAt":"2024-05-09T15:18:57.337Z"}}},"nodeType":"embedded-entry-block"},{"content":[],"data":{"target":{"fields":{"subtitleDescription":"\n","subtitleText":"An overdraft you’re in control of"},"metadata":{"concepts":[],"tags":[]},"sys":{"contentType":{"sys":{"id":"cmsSectionSubtitle","linkType":"ContentType","type":"Link"}},"createdAt":"2019-12-11T10:31:53.686Z","environment":{"sys":{"id":"master","linkType":"Environment","type":"Link"}},"id":"4CQMDn7vslPke6NdLFzlIQ","locale":"en","publishedVersion":331,"revision":3,"space":{"sys":{"id":"ro61k101ee59","linkType":"Space","type":"Link"}},"type":"Entry","updatedAt":"2024-05-09T15:18:57.205Z"}}},"nodeType":"embedded-entry-block"},{"content":[],"data":{"target":{"fields":{"icon1":{"fields":{"description":"","file":{"contentType":"image/png","details":{"image":{"height":48,"width":48},"size":1140},"fileName":"Percentage up.png","url":"//images.ctfassets.net/ro61k101ee59/1pXiQ5cDmph8qlJFvbXXLx/ee7416b737b49b19680e198027b5f8e1/Percentage_up.png"},"title":"EAR"},"metadata":{"concepts":[],"tags":[]},"sys":{"createdAt":"2022-11-21T15:10:21.636Z","environment":{"sys":{"id":"master","linkType":"Environment","type":"Link"}},"id":"1pXiQ5cDmph8qlJFvbXXLx","locale":"en","publishedVersion":9,"revision":3,"space":{"sys":{"id":"ro61k101ee59","linkType":"Space","type":"Link"}},"type":"Asset","updatedAt":"2024-05-09T15:18:57.048Z"}},"icon2":{"fields":{"description":"","file":{"contentType":"image/png","details":{"image":{"height":48,"width":48},"size":1129},"fileName":"Limits.png","url":"//images.ctfassets.net/ro61k101ee59/22w3Q9nxSGwAvJPU2Vt8kJ/a966b8a3621a93acdabc7f1e4bd3b7cb/Limits.png"},"title":"Limits"},"metadata":{"concepts":[],"tags":[]},"sys":{"createdAt":"2022-11-21T15:10:21.630Z","environment":{"sys":{"id":"master","linkType":"Environment","type":"Link"}},"id":"22w3Q9nxSGwAvJPU2Vt8kJ","locale":"en","publishedVersion":9,"revision":3,"space":{"sys":{"id":"ro61k101ee59","linkType":"Space","type":"Link"}},"type":"Asset","updatedAt":"2024-05-09T15:18:57.056Z"}},"icon3":{"fields":{"description":"","file":{"contentType":"image/png","details":{"image":{"height":48,"width":48},"size":846},"fileName":"Money.png","url":"//images.ctfassets.net/ro61k101ee59/6oLAgglt9yc71NzzGKjmpL/12101ede820c97d2c5b11fce5173bd1f/Money.png"},"title":"No Extra Fees"},"metadata":{"concepts":[],"tags":[]},"sys":{"createdAt":"2022-11-21T15:10:21.624Z","environment":{"sys":{"id":"master","linkType":"Environment","type":"Link"}},"id":"6oLAgglt9yc71NzzGKjmpL","locale":"en","publishedVersion":9,"revision":3,"space":{"sys":{"id":"ro61k101ee59","linkType":"Space","type":"Link"}},"type":"Asset","updatedAt":"2024-05-09T15:18:57.069Z"}},"sectionNameInternal":"New OD triptych","text1":"As a representative example, if you use an arranged overdraft of £1,200 for 30 days, with 39.0% EAR/APR (variable), it would cost you £32.94. 39% APR representative (variable).\n\nYour exact rate will depend on your credit score, and you can see what rate you’re on in your Monzo app.","text2":"If you’re eligible you could have an overdraft limit up to £3,000. This limit won’t apply to everyone – we consider what people can safely afford to borrow.\n\nYou can change your limit and cancel your overdraft any time on the Monzo app. To do that, you’ll need to pay back the amount you owe, plus any interest.","text3":"We won’t charge you any extra fees for going into your overdraft, and we’ll always let you know when you go into it.\n\nWe’ll always tell you the exact rate you’ll pay, and what that means in pounds, before you borrow from us.\n","title1":"19%, 29% or 39% EAR (variable)","title2":"Limits of up to £3,000 ","title3":"Know how much you’ll pay"},"metadata":{"concepts":[],"tags":[]},"sys":{"contentType":{"sys":{"id":"cmsSectionTriptych","linkType":"ContentType","type":"Link"}},"createdAt":"2019-12-11T10:32:15.937Z","environment":{"sys":{"id":"master","linkType":"Environment","type":"Link"}},"id":"6oC9GGINdW1xqUEpiHsjAv","locale":"en","publishedVersion":741,"revision":28,"space":{"sys":{"id":"ro61k101ee59","linkType":"Space","type":"Link"}},"type":"Entry","updatedAt":"2024-10-28T15:26:24.581Z"}}},"nodeType":"embedded-entry-block"},{"content":[],"data":{"target":{"fields":{"subtitleDescription":"Our representative APR is 39.0% APR (variable). You can use the APR to compare the cost of different credit products.","subtitleText":"How does our overdraft compare?"},"metadata":{"concepts":[],"tags":[]},"sys":{"contentType":{"sys":{"id":"cmsSectionSubtitle","linkType":"ContentType","type":"Link"}},"createdAt":"2024-05-09T15:18:57.186Z","environment":{"sys":{"id":"master","linkType":"Environment","type":"Link"}},"id":"3WAi1plBOPDwy52487Mh18","locale":"en","publishedVersion":3,"revision":1,"space":{"sys":{"id":"ro61k101ee59","linkType":"Space","type":"Link"}},"type":"Entry","updatedAt":"2024-05-09T15:18:57.186Z"}}},"nodeType":"embedded-entry-block"},{"content":[],"data":{"target":{"fields":{"header":"Arranged and unarranged overdrafts","image":{"fields":{"description":"","file":{"contentType":"image/png","details":{"image":{"height":1164,"width":981},"size":145715},"fileName":"Frame 48096045.png","url":"//images.ctfassets.net/ro61k101ee59/5UFVcmyI7AnzS4aMqeUhQi/85761845957410e225edf3cf57153ef9/Frame_48096045.png"},"title":"Choose overdraft limit"},"metadata":{"concepts":[],"tags":[]},"sys":{"createdAt":"2024-04-05T16:12:50.481Z","environment":{"sys":{"id":"master","linkType":"Environment","type":"Link"}},"id":"5UFVcmyI7AnzS4aMqeUhQi","locale":"en","publishedVersion":9,"revision":2,"space":{"sys":{"id":"ro61k101ee59","linkType":"Space","type":"Link"}},"type":"Asset","updatedAt":"2024-05-09T15:18:57.067Z"}},"sectionName":"Arranged and unarranged overdrafts - main page","textCopy":"When you switch on an [overdraft with Monzo](https://monzo.com/i/overdrafts/) that's called an arranged overdraft. If you go over your arranged overdraft limit, or you don't have an arranged overdraft, we'll reject payments (for free), and you won’t be able to take cash out. But, sometimes we can't reject payments. \n\n__Offline payments__\n– We can’t reject ‘offline’ payments, like those you make on a plane, so you’ll go into an unarranged overdraft. We'll tell you as soon as this happens. You should add money to your account as soon as possible, as it could impact your credit score (which might make it harder for you to borrow in future). [Further details can be found here](https://monzo.com/help/overdrafts-loans/unauthorised-overdrafts \"Unarranged overdrafts\")."},"metadata":{"concepts":[],"tags":[]},"sys":{"contentType":{"sys":{"id":"cmsSectionTextImage","linkType":"ContentType","type":"Link"}},"createdAt":"2024-02-06T16:46:10.095Z","environment":{"sys":{"id":"master","linkType":"Environment","type":"Link"}},"id":"2IzNe3swWoVUGmbhzQaQ4K","locale":"en","publishedVersion":24,"revision":6,"space":{"sys":{"id":"ro61k101ee59","linkType":"Space","type":"Link"}},"type":"Entry","updatedAt":"2024-05-09T15:18:57.111Z"}}},"nodeType":"embedded-entry-block"},{"content":[],"data":{"target":{"fields":{"subtitleText":"Understanding your rates"},"metadata":{"concepts":[],"tags":[]},"sys":{"contentType":{"sys":{"id":"cmsSectionSubtitle","linkType":"ContentType","type":"Link"}},"createdAt":"2024-05-09T15:18:57.075Z","environment":{"sys":{"id":"master","linkType":"Environment","type":"Link"}},"id":"2cYEzOBQo0LXZkimVJbZe2","locale":"en","publishedVersion":2,"revision":1,"space":{"sys":{"id":"ro61k101ee59","linkType":"Space","type":"Link"}},"type":"Entry","updatedAt":"2024-05-09T15:18:57.075Z"}}},"nodeType":"embedded-entry-block"},{"content":[],"data":{"target":{"fields":{"direction":"horizontal","icon1":{"fields":{"description":"","file":{"contentType":"image/png","details":{"image":{"height":48,"width":48},"size":766},"fileName":"Bank.png","url":"//images.ctfassets.net/ro61k101ee59/1YJhqTaD3KxJFVBkL577fD/5d626d6faee1b222babb12f9dc653b1f/Bank.png"},"title":"Bank icon"},"metadata":{"concepts":[],"tags":[]},"sys":{"createdAt":"2024-05-09T15:18:57.052Z","environment":{"sys":{"id":"master","linkType":"Environment","type":"Link"}},"id":"1YJhqTaD3KxJFVBkL577fD","locale":"en","publishedVersion":4,"revision":1,"space":{"sys":{"id":"ro61k101ee59","linkType":"Space","type":"Link"}},"type":"Asset","updatedAt":"2024-05-09T15:18:57.052Z"}},"icon2":{"fields":{"description":"","file":{"contentType":"image/png","details":{"image":{"height":48,"width":48},"size":1104},"fileName":"Percentage.png","url":"//images.ctfassets.net/ro61k101ee59/EQaJ9HV04vP1szlu1nzSy/c05fd4a20fcfafb2d379e542ad309c8a/Percentage.png"},"title":"Percentage icon"},"metadata":{"concepts":[],"tags":[]},"sys":{"createdAt":"2024-05-09T15:18:57.072Z","environment":{"sys":{"id":"master","linkType":"Environment","type":"Link"}},"id":"EQaJ9HV04vP1szlu1nzSy","locale":"en","publishedVersion":4,"revision":1,"space":{"sys":{"id":"ro61k101ee59","linkType":"Space","type":"Link"}},"type":"Asset","updatedAt":"2024-05-09T15:18:57.072Z"}},"icon3":{"fields":{"description":"","file":{"contentType":"image/png","details":{"image":{"height":48,"width":48},"size":1072},"fileName":"Representative.png","url":"//images.ctfassets.net/ro61k101ee59/5snPqDp2G8FCkiCT1BebCG/351dfcd7eb6d696c0bed52f441fdb25b/Representative.png"},"title":"Representative icon"},"metadata":{"concepts":[],"tags":[]},"sys":{"createdAt":"2024-05-09T15:18:57.065Z","environment":{"sys":{"id":"master","linkType":"Environment","type":"Link"}},"id":"5snPqDp2G8FCkiCT1BebCG","locale":"en","publishedVersion":5,"revision":1,"space":{"sys":{"id":"ro61k101ee59","linkType":"Space","type":"Link"}},"type":"Asset","updatedAt":"2024-05-09T15:18:57.065Z"}},"sectionNameInternal":"Understanding your rates","text1":"EAR stands for effective annual rate. It’s equivalent to the interest rate you'll pay if you're overdrawn for a year. You'll pay interest on the amount you're overdrawn by, and on the interest that builds up from being overdrawn. You'll pay less if you regularly pay off your overdraft. EAR doesn’t include other fees, like hidden or late fees – but we don’t charge these.","text2":"APR stands for annual percentage rate. It’s calculated the same way as EAR, plus additional fees (like hidden or late fees). We don’t charge these so our EAR and APR are the same.\n\nVariable means we have the right to change the rate, but we’ll always give you notice if we do.","text3":"You may see two types of interest, representative and personal. Representative APR is the rate that we currently offer more than 51% of people who apply. The rate you’re actually offered is your personal APR – this is usually based on things like your credit score.\n\nYou can use the calculator below to figure out how much you would pay depending on your personal rate.","title1":"EAR","title2":"APR (variable)","title3":"Representative APR"},"metadata":{"concepts":[],"tags":[]},"sys":{"contentType":{"sys":{"id":"cmsSectionTriptych","linkType":"ContentType","type":"Link"}},"createdAt":"2024-05-09T15:18:57.306Z","environment":{"sys":{"id":"master","linkType":"Environment","type":"Link"}},"id":"I7LMbWKrFXkvkU4S4jtcc","locale":"en","publishedVersion":16,"revision":1,"space":{"sys":{"id":"ro61k101ee59","linkType":"Space","type":"Link"}},"type":"Entry","updatedAt":"2024-05-09T15:18:57.306Z"}}},"nodeType":"embedded-entry-block"},{"content":[],"data":{"target":{"fields":{"bespokeComponentName":"Brand Refresh - Open an account for free CTA","bespokeContent":{"cardImgHref":"","cta":{"gaAction":"","gaCategory":"","gaLabel":"","href":"https://monzo.com/sign-up","text":"Open an account for free"}}},"metadata":{"concepts":[],"tags":[]},"sys":{"contentType":{"sys":{"id":"cmsSectionBespoke","linkType":"ContentType","type":"Link"}},"createdAt":"2024-05-07T08:33:49.739Z","environment":{"sys":{"id":"master","linkType":"Environment","type":"Link"}},"id":"RecjhZI5nkl0pJTfWzMX6","locale":"en","publishedVersion":24,"revision":7,"space":{"sys":{"id":"ro61k101ee59","linkType":"Space","type":"Link"}},"type":"Entry","updatedAt":"2024-09-24T09:06:58.336Z"}}},"nodeType":"embedded-entry-block"},{"content":[],"data":{"target":{"fields":{"bespokeComponentName":"Overdraft Fee Calculator"},"metadata":{"concepts":[],"tags":[]},"sys":{"contentType":{"sys":{"id":"cmsSectionBespoke","linkType":"ContentType","type":"Link"}},"createdAt":"2019-11-22T11:46:00.985Z","environment":{"sys":{"id":"master","linkType":"Environment","type":"Link"}},"id":"50H3O1LGp6E0B7B6KR4ynm","locale":"en","publishedVersion":13,"revision":2,"space":{"sys":{"id":"ro61k101ee59","linkType":"Space","type":"Link"}},"type":"Entry","updatedAt":"2019-12-03T10:33:35.443Z"}}},"nodeType":"embedded-entry-block"},{"content":[],"data":{"target":{"fields":{"bespokeComponentName":"Overdraft Eligibility Checker"},"metadata":{"concepts":[],"tags":[]},"sys":{"contentType":{"sys":{"id":"cmsSectionBespoke","linkType":"ContentType","type":"Link"}},"createdAt":"2019-12-17T17:20:59.241Z","environment":{"sys":{"id":"master","linkType":"Environment","type":"Link"}},"id":"2JyirsxDVhljMSZnf0JIpf","locale":"en","publishedVersion":4,"revision":1,"space":{"sys":{"id":"ro61k101ee59","linkType":"Space","type":"Link"}},"type":"Entry","updatedAt":"2019-12-17T17:20:59.241Z"}}},"nodeType":"embedded-entry-block"},{"content":[],"data":{"target":{"fields":{"bespokeComponentName":"Brand Refresh - Overdrafts specific – Apply in 10 mins CTA","bespokeContent":{"backgroundColor":"Background: Primary","cardImgHref":"","cta":{"gaAction":"","gaCategory":"","gaLabel":"","href":"https://monzo.com/sign-up","text":"Apply in 10 minutes"},"forceTheme":"Dark"}},"metadata":{"concepts":[],"tags":[]},"sys":{"contentType":{"sys":{"id":"cmsSectionBespoke","linkType":"ContentType","type":"Link"}},"createdAt":"2024-05-09T14:07:57.727Z","environment":{"sys":{"id":"master","linkType":"Environment","type":"Link"}},"id":"63qrLM1bskZAKVMZFesVs8","locale":"en","publishedVersion":20,"revision":6,"space":{"sys":{"id":"ro61k101ee59","linkType":"Space","type":"Link"}},"type":"Entry","updatedAt":"2024-09-24T10:02:53.306Z"}}},"nodeType":"embedded-entry-block"}],"componentProps":{},"designSystemEnabled":true,"featureGates":{"ca_daxenabled":true,"1p_saving_challenge_countdown":false,"ca_flex_build_navigation_link":true,"lunio_enabled":true,"isa_allowance_countdown":true},"experiments":[{"experimentID":"ca_homepage_navigation_cta_pairing","variant":"Control"},{"experimentID":"header_navigation_reorder","variant":"Test"},{"experimentID":"ca_homepage_navigation_cta_pairing","variant":"Control"},{"experimentID":"header_navigation_reorder","variant":"Test"}],"hasExperiments":true,"dynamicText":{"nav":"Sign up","cta":"Open an account for free"},"cookies":{}},"__N_SSP":true},"page":"/[...dynamic]","query":{"dynamic":["overdrafts"]},"buildId":"nkkm2ZgbOFUC5Xzyo-Tw4","assetPrefix":"https://static-assets.monzo.com/monzo-com/a2b5606076242db4c9bc5fdbaaf680a82d850c78","runtimeConfig":{"apiFqdn":"internal-api.monzo.com","publicApiFqdn":"api.monzo.com","publicClientId":"oauth2client_0000ATbSRBo8E4Es6Ss3k6","publicClientSecret":"mnzpub.eQUHgQ9y9tbER/x0k0LRW9KOoVkOnb4dMwCxLQxC8AoLPwGdDXlQ7EODWlgmgq+r9j+vCurgzX1Ya0m7uVCTMQ==","test_apiFqdn":"api.s101.nonprod-ffs.io","sentryProject":"monzo-com-web","sentryOrg":"monzo","sentryDSN":"https://06894583d63658ed47fe4e9943f497fa@o23827.ingest.sentry.io/4505743602483200","environment":"production","anonIDCookieDomain":".monzo.com","authRedirectOrigin":"https://auth.monzo.com/","bereavementsClientId":"oauth2client_0000AsQ35Ed3ZrjrRua8TS","bereavementsClientSecret":"mnzpub.jWYmnA+EW3xbjkkKLZX0N0SfHbes6IUyiDqglPBqVxGAmKCGf3I10PMDeNv9+/I8ZpC48VAnlu3fV8DkfDiCCA==","bereavementsRedirectUri":"https://monzo.com/bereavements/callback"},"isFallback":false,"isExperimentalCompile":false,"gssp":true,"appGip":true,"scriptLoader":[]}</script></body><script src="https://internal-api.monzo.com/static/util.js"></script></html></body></html>