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Finance solutions to help you achieve your goals.
About arranged overdrafts
An arranged overdraft can act as a short term safety net. You can use it to borrow money up to an agreed limit through your bank account.
Features and benefits
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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 make the payment.
Missing payments and using an unarranged overdraft can lead to fees and charges and can damage your credit score, please get in touch with us as we may be able to help you.
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If you’re looking to borrow money, it is important you compare and choose the right options for you based on your circumstances.
Tools to help you decide - You can check your eligibility and calculate the cost of any arranged overdraft at any time using the tools provided. Use of the Eligibility tool won’t affect your credit score.
These tools will give you an indication of costs and eligibility. If you are an existing Private Banking customer and wish to apply for an overdraft, please contact us on 0345 366 2726 and we will undertake a full assessment of you needs and circumstances. Lines open 8am to 8pm, seven days a week.
If you are not a Private Banking Customer and would like to find out more, please visit become a client.
Overdraft text message alerts
Text message alerts help you manage your money and avoid charges by reminding you when you need to pay cleared funds into your account. They can also help you avoid going into an unarranged overdraft. You will be automatically enrolled into our updated alerts service if we have an up to date mobile number for you. You can check the number we have for you - or provide one - through Internet Banking, in a branch, or by calling us on 0345 300 2750. Lines are open 8am to 8pm, 7 days a week. Not all Telephone Banking services are available 24 hours a day, 7 days a week.
It is important to monitor your account regularly to make sure you have enough funds to make any payments due. Our text alerts service offers a simple way to stay on top of your finances without even having to think about it.
There are two groups of overdraft text alerts.
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You enter your arranged overdraft that day based on your pending transactions. You will only receive this message once when you enter your arranged overdraft and may incur interest and charges.
You have entered your arranged overdraft. You will only receive this message once when you enter your arranged overdraft and may incur interest and charges. You have until midnight to pay in enough cleared funds to avoid further overdraft interest and charges. The money needs to be immediately available to use, so you could transfer money from another personal account you have with us via Mobile, Internet or Telephone Banking or pay in cash over the counter in branch.
To stop arranged overdraft alerts, text STOPA to 61112
You can stop all overdraft alerts by texting STOP to 61112Opting out means that you won’t receive the alerts on your overdraft usage which could lead to avoidable costs.
If you wish to opt back in, simply text:
START to 61112 to opt in to all overdraft alerts
STARTA to 61112 to opt in to only arranged overdraft alerts
STARTU to 61112 to opt in to only unarranged overdraft alertsOpting in and out of these alerts is free. Your preferences to opt in or out of these alerts will be applied to all your Lloyds Private Banking personal accounts and any other accounts you have with Lloyds.
We will also send you other text alerts when:
We are asked to change your phone number
You set up a new person or company to receive a payment
We need to speak to you before we make a payment
We suspect any fraud related activityYou cannot stop these alerts.
You can receive text alerts abroad, but please check with your service provider for any charges you will incur. -
You enter an unarranged overdraft that day based on your pending transactions.
You have entered an unarranged overdraft.
You don’t have enough to pay a standing order.You will have until 2.30pm (UK time) to pay in cleared funds in order to make any payments. When you pay in funds, the money needs to be immediately available to use, so you could transfer money from another personal account you have with us via Mobile, Internet or Telephone Banking or pay in cash over the counter in branch.
To stop unarranged overdraft alerts, text STOPU to 61112
You can stop all overdraft alerts by texting STOP to 61112Opting out means that you won’t receive the alerts on your overdraft usage which could lead to avoidable costs.
If you wish to opt back in, simply text:
START to 61112 to opt in to all overdraft alerts
STARTA to 61112 to opt in to only arranged overdraft alerts
STARTU to 61112 to opt in to only unarranged overdraft alertsOpting in and out of these alerts is free. Your preferences to opt in or out of these alerts will be applied to all your Lloyds Private Banking personal accounts and any other accounts you have with Lloyds.
We will also send you other text alerts when:
We are asked to change your phone number
You set up a new person or company to receive a payment
We need to speak to you before we make a payment
We suspect any fraud related activityYou cannot stop these alerts.
You can receive text alerts abroad, but please check with your service provider for any charges you will incur.
Contact us
Existing customers
Please contact us on 0345 300 2750. Lines open 8am to 8pm, 7 days a week, and closed on bank holidays. Not all Telephone Banking services are available 24 hours a day, 7 days a week.
