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To apply for an overdraft

You'll need to

Be 18 or over and a UK resident

Have a TSB current account

Have a UK mobile phone number

Not available for Cash and U19s accounts

You should not apply if

You’ve been declared bankrupt, had a County Court Judgement, or been subject to an Individual Voluntary Arrangement in the last 6 years

You’ve missed recent payments on any borrowing

You receive unemployment benefits (e.g. Universal Credit for unemployment)

Before you apply

Use our eligibility tool as a guide to see if you're likely to be accepted for an overdraft without affecting your credit rating

All overdrafts are subject to approval and are repayable on demand