There is no arranged overdraft facility available on this account. If you go into overdraft, we
charge you interest at 15% EAR* and require you to repay all amounts outstanding immediately. If you do not repay the amount outstanding by the end of the same day, we consider you to be in arrears.

* Equivalent Annual Rate (EAR): the rate of interest you would pay over a year if you were to remain overdrawn. An EAR is a common way of showing interest rates on overdrafts which you can use to compare different banks’ interest rates. An EAR does not include fees that some banks may charge you in addition to interest. Starling does not charge additional fees.