Our Overdrafts. See these guides. You can also get an arranged overdraft of up to £1,500 for the first 3 years of your degree, rising to £2,000 for years 4 to 6. 2065. By opting in to overdraft coverage, the 8 million people who overdraw frequently could wind up paying over $3. If you are experiencing financial difficulty, you are not alone. All throughout my year at uni I've not needed the overdraft and was going to get the account closed but my parents told me to keep in open just in case. Credit Cards (Mastercard ®, Amex ®) For us to review your dispute further we need some details from you: A full written summary of your dispute including confirmation of how you. Lloyds Bank’s Student Current Account is offering £100 cashback to students who apply between 1 August and 31 October 2023. £3 monthly fee to maintain the account, waived each month that you pay in £2,000 or more. Got rejected for a student account with HSBC because of bad credit rating, which is due to my address because my mum's rating is terrible, whereas I've only been 18 for a month anI've been with lloyds for 5 years, no problems. So i phoned up and they The benefits of a Lloyds Student Current Account include online banking, so you can manage your finances from anywhere and at any time, and link your bank cards with Apple Pay and Google Pay (from age 18+) for contactless spending. The Lloyds Student Bank Account. The £100 will be paid to eligible customers by 30th November 2023. Amazon Discount Codes November 2023 - MoneySavingExpert. Club Lloyds Platinum Account. Log on to your Internet Banking account online or using the app, so you can see what options are available to you. A one-year Totum digital membership is free (but has fewer discounts), while the classic student card costs £14. Lloyds - 15% cashback at some retailers. A basic bank account doesn’t have an overdraft. Arranged overdrafts. If your course has started or is about to start, you might be able to apply for an overdraft while opening your Student account. I'm only 18, I opened the account when I was 12. If you have the Barclays app, log into the app and select ‘Products’ then select ‘Overdraft’. It is also worth remembering that first direct is a banking division of HSBC. 00%. You can appeal a decision relating to any business borrowing facility such as loans, overdrafts, commercial mortgages, business credit cards, invoice financing, asset finance and trade finance. If you’re a student, you may be able to access a 0% overdraft. Card payment of £200. use your card worldwide, whenever you see the Visa symbol. Firstly, this is my first post, just joined, so hi everybody :j. I have a Halifax student current account, with a £2750 overdraft. 3. I got a letter through the other day saying they were going to automatically update my under 19s accountLloyds student account overdraft is zero, but to apply for overdraft arrangements you need to be 18+ years. By Therese Kieffer. Club Lloyds Platinum Account. You can apply for an arranged overdraft if you have a Current Account, Reward Current Account, Ultimate Reward Current Account or a Student Current Account. Please bear with us and we will answer your call as soon as we can. 5. Up to £1,700 in your 2nd year. Monthly maximum charge of £20. Even though my current account. Total amount repayable will be £11,383. Some banks don't credit score certain overdrafts at all, they use an internal scoring system. Sadly, it's unlikely you'll get a student account/overdraft in the current. 4. 00%. Refused Overdraft at HSBC. Mobile Banking app : Our app is available to UK personal Internet Banking customers and Internet Banking customers with accounts held in Jersey, the. Conditions. Got a question about going to uni in the UK? Want to find out more and speak to others about their…Club Lloyds and Club Lloyds Platinum current account customers also receive credit interest of 0. Bank: Lloyds Bank . Stop your account going overdrawn. Halifax is offering £100 for new sign-ups, which is the same as NatWest, RBS, Nationwide, Lloyds and. This representative APR applies to loans of £7,500 to £25,000 over 1 to 5 years. Debt is never a good thing, but a student bank account overdraft is an excellent buffer to keep up your sleeve, in case of. You’ll need to be 18+years, Subject to lending criteria. no idea why, no-one could tell me. Registered in England and Wales No. Nationwide only has one account that is specifically for higher education students. Despite what it says on the tin, it does lower your credit rating and I got declined more than several times to get new cards. I have a Lloyds Silver Account (Just recently upgraded from the Classic Account online), and I wanted to apply for a small £100 overdraft for a month, but this was declined (Which surprised me !), I have never been overdrawn and always operated the account in credit, had it now for 5 months and never had a problem, so I was a bit surprised, and as I had successfully upgraded to a Silver. You can use a standing order for many payment types, including: Transferring money between your accounts. Royal Bank of Scotland. It really is a vicious circle. Sending a friend or family member money on a regular basis. But, this isn’t necessarily a bad thing. If you’re struggling to pay off your Lloyds Bank overdraft, then we may be able to help you. An overdraft is when your bank allows you to spend from your current account. Jasjyot Singh, chief executive officer of consumer lending for Lloyds, said: “We know that some of our customers will need more targeted support, and that’s why we are offering 130,000 customers who use their. However, aside from having a 'poor credit history' in the traditional. Be free from County Court Judgements (CCJs), Individual Voluntary Agreements (IVAs) and bankruptcy. The HSBC Student Bank Account is designed to cater to the needs of students during their academic years. I have absolutely zero money, already had 4 short term loans off the uni and my parents can't. com 23 July 2014 at 6:03PM Are you ever in credit? jonesMUFCforever Posts: 28,898 Forumite 23 July 2014 at 6:44PM Do you have more than one student account overdrawn?? Anything on your credit report which might help them to decline you?? Which year are you on now? jayquinn91 Posts: 3 Newbie 23 July 2014 at 8:39PM Thrugelmir wrote: » Lloyds Bank offers a current account designed to help students through their studies. We'll do the rest, and don't worry your credit rating won't be affected and there's no. Not have been declined for a Lloyds Bank credit card within the last 30 days. This is something that Visa allow to happen and is common among every bank in the UK. Freebies in 2023. Perks: cashback when you spend at certain retailers. Denied Student Overdraft (Lloyds) Is it worth getting a student account if you do not get an overdraft fee? Opening student account at 17; Hsbc; Multiple Student Accounts; My Lloyds bank changed from Graduate to Classic; Changing student bank account; Is it possible to keep my current account, and open a student one as well?With any Club Lloyds account, you could get an exclusive discount of 0. Your child can earn interest in current accounts or through a savings account. To remove your arranged overdraft, your account needs to be in credit. Reply 1. The Halifax Student Account for example comes with a fee free overdraft which could be up to £1500, for the duration of your course plus one year, to a maximum of 6 years. 0. 00% AER on balances up to £5,000 • Interest. I went into my local branch and they suggested it might because the term hasnt begun yet and to try again in a few months. Calls may be recorded, monitored and used for training and compliance purposes. Your overdraft appears as a debt on your credit report. See full list on wise. 29 April 2010 at 10:43AM. Be free from County Court Judgements (CCJs), Individual Voluntary Agreements (IVAs) and bankruptcy. Your credit card must be confirmed; if not confirmed, no money will advance to cover. In this guide we explain why this happens and how to improve your. Club Lloyds current account - surprise decline. Lloyds Bank plc is authorised. You’ll get an: easy-to-manage account, manage my account. I would suggest for the future that you have an arranged overdraft for emergencies, but most importantly you should have the. The Lloyds Student Current Account does not offer any free cash. Registered office: 25 Gresham Street, London EC2V 7HN. smj43 Posts: 385 Forumite. The £3 Club Lloyds fee is waived each month that you pay in £2,000 or more. If you are in your unarranged overdraft for greater than 30 days this could have an impact on your credit file. 00% AER on balances up to £5,000 • Interest free arranged overdraft of up to £1,500 available, subject to eligibility Lloyds Bank has launched its 2023 Student current account, offering a cash lump sum to newI currently have a student account with lloyds bank and am currently into my overdraft with them by £500. Payments to another UK account will normally be sent this way. Affordability rules – If a lender thinks you won’t be able to make the repayments, you can have your mortgage application declined. At Halifax, you can see what your overdraft limit is by signing in to your Online Banking account. Overdrafts are repayable on demand. Club Lloyds Platinum Account. RBS’s 0% overdraft has a high ceiling of £3,250 by your third year and the chances of obtaining it (eventually) are quite high. Overdraft calculator. The full details of their. Santander - 123 Student Current Account. Choice of Cashpoint card or contactless Visa debit card. Then I applied again a few weeks ago (stupid I know) but I got declined based on my credit score. They won’t be able to do much but student overdrafts are normally given to almost everyone at 18 without any credit history so this is odd. Factors which can affect your credit score include: County Court Judgments (CCJs), Individual Voluntary Agreements (IVAs), and bankruptcy. There’s a £3 fee for maintaining any of the Club Lloyds accounts (in addition to the packaged account fee), but it will be refunded each month if you pay in £2,000 or more. The Lloyds Student account offers a potential overdraft of £1,500 in the first three years of your degree and up to £2,000 in any further years. Anything below this can see your mortgage declined. If I have been helpful - Hit the Thanks button. I use this account purely for holding my student loan when it comes in. Reclaim a dormant account. I have a regular steady income, a few direct debits all paid without fail each month including a lloyds tsb loan and credit card! I went into one branch, the guy was very slow on the computer and after a. You need to: be 18 or over. 30/06/10 - 16:45 #11. This offer applies to applications received in branch or online from 1st August to 22nd September 2023. To query a credit card, loan, bank account or overdraft decision made by Lloyds Bank, please write to: Personal Lending Decisions Three City Park The Droveway Hove East Sussex BN3 7AU. Account Name: Lloyds Student Account . Does an overdraft affect your credit score? In short, yes, your overdraft could affect your credit score. I currently have an under 19 account with Lloyds bank and I applied for a student account with them online and went into branch to get it set up. Apply online for easy access to your money worldwide with a Visa debit card. I have an account with HSBC which I've had for 6 years. If we have your UK mobile number, we'll enroll you in our automated overdraft text alert service. eklynne Posts: 2,396 Forumite. Faster Payments. Apply for an interest-free overdraft up to £1,500. You could get: £1,400 in your 1st year. Banking in accordance with Shariah. Sign boost;I'm in my first year at uni and have a current account with Lloyds and a student account with Halifax which has a £1000 overdraft. ThanksAn arranged overdraft lets you borrow up to a certain limit when there’s no money left in your bank account. Minimum opening balance. I had been using the account for Amazon UK orders. However, HSBC has refused an increase to £1,000 and £750. Lloyds Bank. Original post by martin7. 11% gross variable interest on balances of £1 to £1,000. Interest Rate (AER): 2. Best savings accounts: 5. Student overdrafts. First 6 months from account opening - Interest-free arranged student overdraft = £500. You could get: £1,400 in your 1st year. I asked them if it was possible to just convert my current account into a student account in order to keep the same account number and sort code and they said this was not possible. A fee-free arranged overdraft cap of up to £1,500 in years 1-3, £1,800 in year 4, and £2,000 in year 5. 2065. was gona do it through aliance and leicester but they keep refusing to give me an overdraft on my normal account with them so figured thered be no chance of getting a student account with. I start university next week and if it doesn't arrive I won't have a planned overdraft which I need. 19. Personally if there’s nothing odd on your credit report (defaults/missed payments) I’d go into branch and try speaking to someone. Home › Budgeting & bank accounts. We aim to keep our rates and charges clear and easy to understand so it's easier for you to make comparisons. There is nothing negative showing on any of my reports and I am ranked 999 out of 999 on Experian, my Clearscore score is around 460 and 4/5 with my bank's own internal ratings (I know the scores dont particuarly mean anything - this is just an indication of how my report appears - good). To obtain yours, go. When you open a student bank account. 14. How to get out of your Lloyds overdraft 5. This is normally £500 in your first year; £1000 in your second year and then £1500 in your third year. Bank: Royal Bank of Scotland . Another trick is to use your personal details to call your provider to either: swap your number to a new SIM card on the same network, or. 23 July 2014 at 4:58PM in Budgeting & bank accounts. Loans. Lloyds Banking group has overhauled its overdrafts costs, meaning the 22m customers of Lloyds, Halifax and Bank of Scotland are facing big changes. Depending on the customer's circumstances we'll decide whether or not to allow the payment. Maybe you left it too late to do this (or you weren't told) and it was cancelled or denied for that reason. Important legal information. 7 based on 1,057 reviews. You can’t have had a FlexStudent or FlexGraduate account on 31 July 2023. What is an overdraft? 2. Natwest Student bank account. This tiered student bank account offers a 0% overdraft of up to £500 in the first six months, which goes up to £1,000 for the next three months and the full £1,500 after that. Must be 18 or over and living in the UK permanently. Everything you get with the Classic account. The first option is paying a standard overdraft fee of $35 for every overdraft or declined transaction with a limit of four per day. Give Phonebank a call on 0345 300 0000 and explain nicely. £100. Lloyds Bank plc. How to switch your account Financial Services Compensation Scheme Eligible deposits held with us. She has not used it in well over 3 years. Natwest student account: You get three options at NatWest: a 1-year Amazon Prime. 22/03/09 - 22:46 #14. Our grace period means that you have until 2. 2 However, among overdrafters who think their debit overdraft would be declined, 54 percent wrongly believe they would be charged a fee. An arranged overdraft is a pre-agreed limit, which lets you spend more money than you have in your current account. . Follow the instructions to make your transfers. You will have to pay back what you spend from your overdraft, plus. The TSB student account offers an overdraft facility, and there’s no interest to pay if you keep below the limit you’ve agreed with the bank. When personal accounts have been held for many years, this also boosts credit scores since it allows a credit record to mature. Students who open a new Student account and pay in £500 between 1st August and 11. We would like to show you a description here but the site won’t allow us. Lines are open 8am – 8pm, seven days a week. These cards. Everything you get with the Classic account. 10. Lines are open 8am – 8pm, seven days a week. Reply 19. Please just make sure the policy holder is with you when you call. Lloyds Bank customers can now set a personal monthly limit on gambling spend when using a debit card. The best thing to do is go to the bank you have a current account already with and tell them you want to open a separate student account to put your loans into so that the money being paid in by the SLC and the money taken out by the uni for accommodation doesn't get mixed up with your own personal money. Interest-free overdraft. If you have a graduate account and wish to apply for a new or increased arranged overdraft (or reduce the level of your overdraft) please phone us on 0800 0850 444* (Mon - Fri 9am - 5pm) *Calls to 0800 numbers are normally free from UK landlines and mobile phones. your total deposit. 17. Students can also earn 2% credit interest on balances up to and including £5,000. Our Shariah committee of two independent scholars has guided us to create an account that’s right for you. natwest have reduced the overdraft charges though, so you wont be raped so badly. 90%. * Eligible students in third year onwards can apply for up to £3250 from 2nd October 2023. Earn 1. Overdrafts on Student Accounts DO go through Credit Checks, but they do tend to be more favourable as it's a temporary overdraft and you have guaranteed money going in. When I turned 18, they upgraded my account to HSBC Advance, but then after 1 month it downgraded. 0% (variable). Find out more: best packaged bank accounts;. Best Fee-Free Account. There are two types of overdraft - arranged and unarranged. Phone: up to £10,000. If you don't have enough money in your account to make a payment, we may either let you borrow through an unarranged overdraft or refuse to. There’s also a mobile app to make everyday finances easier, and mobile alerts if your balance is getting low. If not, the payment will be declined. All accounts also specify that you must pay your student loan into that account. From 6 April 2020, this will change as follows: Daily fees will be scrapped and daily interest will be charged instead. To apply for FlexStudent. Overdraft protection is a financial product that covers the amount of the transaction when you go into overdraft. An initial amount is set by your provider when you apply for your card, but this can change over time. Try another bank, though. jediknight49 Forumite Posts: 96. It’s really easy and it only takes 5 minutes. I'm switching everything to Lloyds TSB and applied for an overdraft online a few weeks ago and also today, both said ''I'm sorry, your overdraft request has. You can report a crime or get general advice from Action Fraud. Just wait and look around on the student bank account links that have been posted and pick the best one. About half a million students start uni each year, so assuming 75% take up a student account (free rail pass!), then later, 5% fail to pay back the overdraft and incur £250 of interest payments, that means that 500000 * 0. They don't give me a reason, just. Mortgages – Monday to Friday, 8am to 8pm, and Saturday 8am to 4pm. Upgrade your existing Lloyds Bank Current account online - it's quick and easy to upgrade if you're already registered with Internet Banking. I've been with lloyds for 5 years, no problems. To be accepted for a Lloyds Bank credit card, you must: Be a UK resident, aged 18 or over, with a regular annual income. Please note: This guide is not part of the application process. Proof of home address. Up to 15% cashback at selected retailers. 4 steps to making a balance transfer. Interest is normally paid at the net rate unless the Account falls within an exempt category or the Account holder qualifies to receive interest gross. Club Lloyds. You can use it to borrow money up to an agreed limit through your bank account. Classic Account - a current account for free everyday banking, with an overdraft facility available if needed. Duration of arranged overdraft Lloyds Bank has launched its 2023 Student current account, offering a cash lump sum to new students, as well as credit interest on balances to encourage saving through further education. If this is the case, you CAN open a student account, but you'll need to wait until you're 18 to get an overdraft. Nationwide only has one account that is specifically for higher education students. Use the links below to see how much interest you’re earning or being charged, or call us on 0345 300 0000. Wait until Barclays confirms the information. This means you won't pay any interest on the money you borrow (provided it’s within the account’s arranged overdraft limit). Banks automatically decline onetime debit and ATM overdrafts without a fee unless the customer has opted to have such transactions processed for a fee. £21 monthly fee to maintain the account, plus a £3 monthly Club Lloyds fee. You’ll get a free Santander 16-25 Railcard, interest on your balance and fee-free Arranged Overdraft. Smart Start guides and tips. To reiterate, you can't blame the bank for going overdrawn when they don't actually know about your card spend. Emmasmith90. You can also apply for this account by calling us on 0800 015 4000 (Line are open 9am – 6pm Monday – Saturday) or by booking an appointment at your nearest branch. Without such access to funds many students would struggle and as the banks offer 0% interest, students only need to pay back the money they borrowed, thus its a special scheme just for students. If you’re registered for Telephone Banking as a Personal customer, you can apply by calling 0345 734 5345 * . Open the app and create a passcode. Check your eligibility. The cashback will then be paid by 30 November. I applied for a student account and was told that once I deposit 500 in, my overdraft goes up to 1500. However post student accounts still keep your overdraft limit and just reduce that limit to 0 over the course of a few years. Registered office: 25 Gresham Street, London EC2V 7HN. Pros. 16. So I went into Lloyds branch after applying online for a student account and after 2 weeks it still hasn't arrived by post like they said it would. £1,500 0% overdraft in years one to three. 30pm to pay in enough to ensure the payment goes out, but you have until midnight to avoid a daily overdraft fee: Up to 15% cashback at participating retailers: Source 1 Source 2: Halifax Student Current. 9. Rates and charges. It's very doubtful they'll agree to an overdraft increase as you've been going over your current limit. 1. Lloyds Bank plc. Limits can be set or changed within the mobile app. Lines are open 8am – 8pm, seven days a week. it happened to me. You can also apply for this account by calling us on 0800 015 4000 (Line are open 9am – 6pm Monday – Saturday) or by booking an appointment at your nearest branch. June and July were the first two months after sweeping changes related to these services were implemented. However, it does let customers apply for an overdraft of up to £1,500 in Years one to. Although it’s not a. My student account was £2000 interest free for a few years. The overdraft is pretty simple. For some it can mean paying £100s more a year. I have a Lloyds Silver Account (Just recently upgraded from the Classic Account online), and I wanted to apply for a small £100 overdraft for a month, but this was declined (Which surprised me !), I have never been overdrawn and always operated the account in credit, had it now for 5 months and never had a problem, so I was a bit. NatWest is launching a new student account which will offer £50 cash which you can get within 10 days of the account opening. You can then go up to £2000 when you graduate (your account becomes a graduate one). Like many similar scams, the emails claim that your account has been suspended because of “recent activities” and you need to click a Confirm button to. Your student account comes with an interest-free overdraft that you can request to increase each year you're studying. There are a number of reasons why your transaction may have been declined, these could be: Insufficient funds Check your balance and make sure you have enough available. A standing order is a regular payment of the same amount that’s paid on a specified date. 30pm to pay in enough to ensure the payment goes out, but you have until midnight to avoid a daily overdraft fee Up to 15% cashback at participating retailersGeneral Banking Queries Personal. I n recent years, financial institutions have faced numerous lawsuits on overdraft and non-sufficient funds fees practices and disclosures. Joint accounts. Many student accounts come with generous interest-free overdrafts, which will be cheaper than a credit card if you can't clear it at the end of each month. Written by Jafar Hassan, Personal Finance Expert Contributor Edited by Chris Wheal, Writer - Finance, 4 October 2022. Customers on most accounts will be charged a flat interest rate of 39. didnt have a student account and tried at natwest, lloyds tsb and halifax but got declined at all 3. Lloyds vs. If you can't get another overdraft, just use a basic bank account for all your day to day stuff, then pay a certain amount a month to Natwest, then once the overdraft's clear, close it. give up trying to get a student account as i have bad credit rating and i have been told by natwest, abbey, Lloyds tsb and rbs that i wont get it so have to stay with a current account. We’ll always consider an unarranged request and will make the payment if we can, subject to status. Validate your identity, student status, and credit history by following the on-screen instructions. you will get charged, and then charged interest on it until you come back within your limit. If you're unable to visit a branch, please give call us on either 01733 347 007 or 0845 3000 000 (lines are open 24 hours a day). Up to £2,000 in your 3rd year and any further years of. 5K. If they cannot help me then I will talk to Lloyds TSB. Lloyds Account Overdraft - Advice needed. Not all banks will open a student account for 17-year-olds, but a few do, including Bank of Scotland, Lloyds, NatWest, RBS and. You’ll also need to complete a quick automated security check to confirm it’s you, so have your phone to. Classic Account - a current account for free everyday banking, with an overdraft facility available if needed. An arranged overdraft allows you to borrow up to a limit based on your requirements and personal circumstances and agreed with us in advance. First 7-9 months from account opening - Interest-free arranged student overdraft = £1,000. On top of this annual interest payment, they would also be faced with charges of up to £10 per day that the account was overdrawn, £6 each month and as much as £30 for each day that unpaid. Select Yes I want Everyday Offers and. 5k at year 4). I rarely use my Lloyd's account, I had a little in there left just to keep the account open. An overdraft limit is a borrowing facility which allows you to borrow money through your current account. didgeridoo12uk. So that's a pretty good point. You can apply for an overdraft even if you didn’t have one on your Lloyds student account . According to my credit report I have some accounts in default: Company: LLOYDS TSB BANK PLC Account Type: Current Account - Overdraft Started: 01/08/2005 Default Balance: £3,624 Current Balance: £3,722 De. My student account has been activated but my applications for the £500 overdraft are being declined. Club Lloyds Platinum. Our wait times are longer than usual. My wife has an old Lloyds bank account. Sign up and discover the latest Lloyds Bank offers today | Student Beans. Many banking get special bank accounts for students. Exclusions apply. View all current accounts or compare our range of current accounts. 75 * 0. Add-ons and services for all existing current account customers. 90% EAR Variable. Faster Payments. Best Overall: Chase Bank College Checking Account. It doesn't take into account other fees and charges. Important legal information. NatWest. Joint accounts. Start university with a £500 interest-free overdraft. 99 per cent when using abroad. However, it has increased the monthly overdraft fee from £5 to £. Year 3: from 2nd October 2023, eligible students from year 3 onwards can apply for up to £3250. Registered office: 25 Gresham Street, London EC2V 7HN. 2. i would call them up now though and let them know, and see if you can extend your overdraft further. 14. This tiered student bank account offers a 0% overdraft of up to £500 in the first six months, which goes up to £1,000 for the next three months and the full £1,500 after that. Regions Overdraft Protection may be used to pay checks, ACH transactions, and other items when payment of those items would overdraw the checking account. Lloyds Bank joins the others in offering a cash bonus of £100, as long as you deposit at least £500 by 31 October 2023. I don't need this, I see it when I am using online banking. With the Lloyds Bank Graduate Account you can apply for a tiered interest- and fee-free arranged overdraft of up to £2,000 in your first year after graduating, £1,500 in your second year, and £. Managing an ‘arranged’ overdraft carefully, i. Credit Cards. Lloyds student account. Santander - 123 Student Current Account. £2,000 0% overdraft after year three. Introduction. Joint accounts. If you’re a UK resident, you’ll get a guaranteed interest-free overdraft of up to £1,000 after you’ve successfully opened the Student Bank Account. In branch: up to £250,000 with valid identification. Repeat this until it's down to zero. Our Club Lloyds Platinum account comes with the benefits of Platinum, plus Club Lloyds benefits. Read this article to learn every you need to know about a student bank account with Lloyds. 11% easy access, up to 5. My student account has been activated but my applications for the £500 overdraft are being declined. Lloyds Bank has collected 1057 reviews with an average score of 2. Other terms and loan amounts are available at different rates. Registered in England and Wales No. 99. You can open one even if you have a bad credit score. It has the best debit cards for students too, so weigh your options wisely. I have three accounts with Santander: Savings. I would definetely try and get another overdraft with another bank then use it to pay it back.