Arranged Overdrafts
A flexible safety net for when you need a little extra headroom in your account.
An arranged overdraft is there for short-term cash flow, not long-term borrowing. We will send you a notification before you dip into it so there are never any surprises.
Key features
Only pay for what you use
Interest is charged only on the amount you are overdrawn, calculated daily and charged monthly.
Set your own limit
Apply for the arranged limit that suits you and adjust it in the app as your needs change.
Fee-free buffer
The first £50 of your arranged overdraft is interest-free, giving you a cushion for the odd tight month.
Not sure which option is right for you?
Compare your options or chat to a real Mosey person in the app seven days a week - we will help you choose with confidence.