Unarranged Overdrafts a) Without contacting us at all, you can also request an overdraft by trying to make a payment from your current account:
Unarranged Overdrafts. 8.7 An Unarranged Overdraft can arise where a payment is due to be made out of your account and you have insufficient funds to cover the amount of the payment. In calculating whether you have sufficient funds to cover a payment, we will look at the available funds on your account. Your available funds consist of the cleared balance of your account (including any unused Arranged Overdraft balance) less any debit card transactions we have authorised but not yet debited from your account. We will not include payments into your account that have not yet cleared.
