Managing your credit limit
Managing your credit limit and keeping an eye on your spending is important. That’s why we offer specific tools that help you track and plan your expenses.
FAQs
You can keep a close eye on your spending and overdraft status using Online Banking and the Zempler Bank app. We’ll also send you text alerts to let you know when you’re about to enter your overdraft, have entered it, and when you’ve used more than 80% of your available overdraft.
MoneyHelper, a government-backed financial guidance provider also has a useful budget planner to help you manage your money and reduce the need to use an overdraft.
If you’re eligible to increase your credit limit and have opted in to receive Zempler Bank marketing communications, we’ll send you an email invitation.
If you’ve opted out of receiving marketing communications, you won’t receive any credit offers from us including the option to increase the credit limit on your overdraft.
You can review your communication preferences in the Zempler Bank app and Online Banking.
Follow the steps below.
- Log in to the Zempler Bank app or Online Banking
- Go to Settings > Manage notifications
- Select your notification preferences
- Click ‘Marketing updates’ to view and decide what channels (if any) you’d like to be contacted by. If you’d like to receive future credit limit increase offers, make sure you’ve opted into the ‘email’ channel.
You can request the reduction or removal of your overdraft at any time by contacting us. We’ll review your overdraft limit every six months.