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A Little Room
When You Need It

An arranged overdraft for temporary gaps in your business cash flow.

Discuss an Overdraft

Flexibility With a Clear Limit

Overdraft Facility

Arrange your borrowing limit with TNB before using it.

Use what you need

Interest applies to the amount you borrow.

Keep it short term

A facility for temporary needs and unexpected costs.

Managing Your Facility

Apply or request an increase

The current online service lets existing account holders apply for a new or increased overdraft through online banking or the app. If accepted, the facility is available straight away.

You can request a lower or higher arranged limit online or in the app. If your account is already overdrawn, a reduced limit cannot be below the amount borrowed.

Your Questions, Answered

A limit agreed with the bank before you borrow. You can apply when opening the account or later, and draw funds up to the agreed limit.

Your account is overdrawn without an agreed facility, or you exceed your arranged limit. It can affect your credit rating. The bank may decline payments that would use an unarranged overdraft, although it will generally try to make essential payments.

Interest is payable on the amount borrowed at the applicable overdraft rate, above any interest-free amount that applies. Unarranged borrowing can also incur interest. Check the current price list and your facility terms.

The current website offers an instant decision for existing account holders applying online or in the app. Following a successful application, the arranged limit is normally ready to use straight away.

An overdraft does not have the regular scheduled monthly instalments of a personal loan. You are expected to pay into the current account at least monthly to reduce the balance. It is intended for short-term use; longer borrowing can increase the interest charged.

Contact TNB as early as possible. The team will discuss your circumstances and help identify a suitable way forward.

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Let’s Look at Your Cash Flow

Speak to your Relationship Manager or contact the team to discuss a temporary funding need.

Discuss an Overdraft

Understand the Costs

Fees and interest rates, clearly set out.

View Fees & Interest Rates