If you use your Personal Current Account (sterling or euro) to make payments when there are not enough available funds in your account, you may have to pay interest.

An overdraft is a short-term credit facility for borrowing money on your current account. It can help in months where there are extra expenses and unplanned events. Overdrafts are not generally suitable for long-term borrowing.

We do not offer arranged overdrafts to new or existing customers.

For details of all the fees and interest rates for these account(s), click below.

Fee Information Document for Personal Current Accounts in Pounds

Fee Information Document for Personal Current Accounts in Euros

You can use our calculator to find out how much an overdraft through your Cynergy Bank Personal Current Account would cost over a period of up to 31 days.

The figures displayed are given as a guide only. They are based on assumptions rather than precise calculations.

To use our calculator you can enter the amounts in multiples of £5 or use the sliders. Please then click 'Calculate your costs' to display or update your results.

Personal Current Account


Maximum amount £5,000


Maximum amount £5,000


Between 1 and 31 days

Representative example

If you have a Personal Current Account with an arranged overdraft limit of £1,200 and you use all of this, you will be charged arranged overdraft interest at 17.5% EAR (variable).

What’s next?

You should aim to repay your overdraft borrowing as quickly as possible and use it responsibly. Using Online Banking can help you keep a closer eye on your bank balance. If you are having financial difficulties, why not get in touch with us to see if we can help? Free debt counselling, debt adjusting and providing of credit information services is also available from the Money Advice Service.

Important Information

This is an indicative calculator based upon a number of assumptions. The amount borrowed is drawn down in full at noon on the date of calculation and you are overdrawn for a continuous period – you do not dip in and out of your overdraft.

It is also assumed that the outstanding balance will be repaid in full on the last day of the borrowing period and no other credits and/or debits will be made from the account during the borrowing period. Interest applied to account will also be paid immediately.

You have the security of knowing your eligible deposits are protected up to a total of £85,000 by the Financial Services Compensation Scheme, the UK's deposit guarantee scheme.