Bank accounts Best bank accounts for unauthorised overdrafts
Although you probably won't choose a bank account based on unauthorised overdraft charges, it can be useful to see which accounts are the cheapest.
Our table shows you the best bank accounts if you dip into unauthorised overdraft. We assume that you make a payment that takes you into unauthorised overdraft. You then make a further payment while overdrawn and are overdrawn for two days a row in a month. We show the monthly cost.
You should be aware that these providers may not be the cheapest for larger and more persistent unauthorised overdrafts.
| Provider | Unauthorised Overdraft Interest rate | Overdrawn for two days during the month | Min monthly funding | Access Access help | Customer score Customer score help | Find out more |
|---|---|---|---|---|---|---|
| Halifax Reward Current Account  | 0.00% - £5 daily charge | £10 | £1,000 |
| 53% |  |
| NatWest Select Account  | 0.00% - £6 daily charge | £12 | None |
| 56% |  |
| Royal Bank of Scotland Select Account  | 0.00% - £6 daily charge | £12 | None |
| 53% | |
| Santander 123 Account   | 0.00% - £5 daily charge plus £5 per item paid | £20 | None |
| 42% | |
| Barclays Bank Bank Account  | 0.00% - £22 Reserve Usage fee | £22 | None |
| 54% | |
Help
Access
Key:
- Branch
- Internet
- Postal
- Telephone
Customer score
Which? member score based on customer satisfaction and likelihood of recommending company to friend/family member.
Wherever we display an “APPLY NOW” button in the above table, that company pays us a small fee each time someone clicks on the button. These payments do not influence whether a product is in the table, where it appears, or whether it continues to do so. Our Best Rates tables are compiled by our independent researchers. All revenue raised from these tables is reinvested in our research and campaigning work on behalf of all UK consumers.
How we choose our Best Rate bank accounts
Which? Best Rate bank accounts offer the best rates on the market for the scenarios we've used. They also have to meet the following conditions:
- The accounts must be available nationally
- The account provider must be fully covered by the Financial Services Compensation Scheme
We analyse the whole market and calculate the cost of the account so you can see how much you're likely to pay or how much interest you'll earn if you choose that account.
Which? Recommended Providers and Which? Warning
Which? Recommended Providers are companies that are both rated highly by our members and have products that meet the high standards of our researchers. Which? closely monitors the products and practices of all Recommended Providers and reserves the right to exclude any company that does not treat its customers fairly. Follow the link for a full list of WRPs.
We also understand that for many people, finding products with the best rate is a priority. But where a provider with a poor service score appears in our Best Rate tables, we'll highlight this with a warning logo. By naming and shaming those providers with a poor satisfaction score in these tables, we hop that companies improve their standards.
- Call the Which? Money Helpline for further guidance on the banking best options for you
- Thinking about taking our an overdraft? Take a our guide to bank account overdrafts
- Thinking about switching you bank account? Read our helpful guide
