Overdraft Calculator

Use our overdraft calculator to estimate the cost of using an overdraft facility on your current account. The figures provided by this calculator are intended to be used as a guide only and are based on assumptions rather than precise calculations. Your actual costs may vary if your level of borrowing changes within the month and/or you have incurred fees and charges in previous month.

Step 2 - select your overdraft preferences

How much do you want to borrow?

An overdraft is an agreed borrowing limit which you arrange with us in advance. You can find out your current Planned Overdraft limit using Internet Banking or on your TSB current account statement.
£
£0 £5000

For how many days?

days
1 31

Calculate Unplanned Overdraft?

If you try to make a payment from your account and you don’t have enough money, we will treat this as a request for an Unplanned Overdraft. If we agree to give you an Unplanned Overdraft, fees and interest will apply.

To ensure a better estimate, the above planned selections are assumed to be the maximum planned limit on your account.

How much do you want to borrow?

£
£0 £100

For how many days?

days
1 31

To help you avoid unplanned overdraft fees, you may want to apply for our Control Service.

More information about Control

Have a current account with us?
Apply for an overdraft today

Full details of our fees and charges can be found in our Banking Charges Guide.
Banking Charges Guide (PDF)

You can find some examples of the fees you’ll pay if you use our Unplanned Overdraft service here.
Some fees explained (PDF)

We’ll never charge you more than £80 each monthly billing period for the total of all these fees:

  • Unplanned Overdraft Daily Usage Fees
  • Unplanned Monthly Overdraft Usage Fee
  • Unplanned Overdraft interest
  • Returned Item Fees

To make comparing bank products easier for you, banks are setting a maximum monthly charge for unplanned borrowing fees. Each bank may charge different fees, but all banks are explaining it the same way, with the same wording.

Monthly cap on unarranged overdraft charges

  1. Each current account will set a monthly maximum charge for: 
     a) Going overdrawn when you have not arranged an overdraft. 
     b) Going over/past your arranged overdraft limit (if you have one).
  2. This cap covers:
     a) Interest and fees for going over/past your arranged overdraft limit.
     b) Fees for each payment your bank allows despite lack of funds.
     c) Fees for each payment your bank refuses due to lack of funds.

Terms and conditions

For more information about planned and unplanned overdraft charges and other banking fees, please see our Banking Charges Guide (PDF)

An overdraft may cost you less on one of our other accounts. Compare our accounts

How the calculator works

  • The Total Monthly Cost is for illustrative purposes only and based on the information you have provided. It only includes overdraft fees and charges, other account fees, such as Returned Items Fees, may apply.
  • This tool is only suitable for calculating an estimate of cost for Planned Overdraft borrowing of up to £5000 and Unplanned Overdraft borrowing of up to £100.
  • The overdraft calculator will assume that the amount selected will be used within the same monthly billing cycle. If the amount selected would be used over more than one billing cycle further fees and charges will apply.
  • When calculating the cost related to any Unplanned Overdraft please enter your maximum overdraft limit and the number of days you will be at this limit. Unplanned Overdrafts begin once you have used all your available Overdraft limit. If you do not have an Overdraft limit, or simply want to calculate Unplanned Overdraft charges by themselves, please enter £0 in the Planned Overdraft part of this calculator.
  • How much TSB lends (if any) is subject to application and approval.
  • Interest rates are correct as at 01/02/2017. Interest rates are variable
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