For our overdraft customers we will be bringing in changes to our overdraft, as we know this is a key area of concern for many of you. We will temporarily be introducing an interest free buffer of £500 and we will also be temporarily reducing the interest rate for overdrafts of over £500.
We will be making these changes in the next week, we know you may have questions, but please bear with us as we work this through. We will update the financial support pages with more information in the next few days on how we will be implementing these changes and if there’s anything you need to do. Please be aware we won’t automatically increase your existing agreed overdraft limit or add a limit for customers who haven’t already got an arranged overdraft on their accounts.
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Our Credit Card is designed for balance transfers, you can read more about this on the Credit Card page. The Gold Card is primarily for purchases, again you can find out more on our Gold Card page.
Credit is subject to status. The rate you'll receive depends on your individual circumstances, credit checks and an assessment of your financial situation so may differ to the rates you see advertised. The rate you are offered could be higher than the advertised annual percentage rate (APR). The maximum APR you could be offered is 21.9% APR.
Customers can have one Regular Saver Account with first direct per person at one time.