Applying for a personal overdraft
To be eligible for a Zempler Bank personal overdraft you need to have had a Zempler Bank personal account open for at least three months.
You can see how likely you are to be approved for an overdraft with our eligibility checker. Using the eligibility checker won’t impact your credit rating or guarantee you’ll be approved for an overdraft.
You must receive an overdraft offer to apply.
We’ll let you know once you’re eligible to apply by email, SMS, Online Banking message or in the app.
If you’ve opted out of receiving Zempler marketing communications, we won’t contact you about any credit offers but you’ll still see the option to apply when you log in to the app or Online Banking.
To update your communication preferences, go to Settings > Manage notifications in the Zempler Bank app or Online Banking.
FAQs
You can only apply for a personal overdraft once you’ve received an offer via email, SMS, Online Banking message or in the app.
To apply, log in to the Zempler Bank app or Online Banking, go to ‘Add-ons’ in your Account Overview and follow the instructions.
You’ll need to read and accept the Credit Agreement and Terms.
Before you apply, you can work out how much it will cost using our overdraft calculator.Your overdraft will normally be added onto your account within a few hours, but if your application is submitted after 4pm on a Friday or over the weekend/bank holiday, it will be available from midday on the next business day.
Yes, you may be eligible for both an overdraft and Creditbuilder at the same time.