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Getting an overdraft

You can see if you’re eligible for an overdraft in your personal account (we don't offer overdrafts on joint accounts right now).

  1. Tap the Home icon in the menu bar

  2. Tap on your profile picture

  3. Scroll down to Your personal account

  4. Tap Learn about overdrafts (if you’re not eligible), Set up an overdraft (if you’re eligible), and Manage your overdraft (if you already have one)

We can only offer overdrafts if you meet our eligibility criteria. We determine eligibility based on our own data, and information from the credit reference agencies, TransUnion, Equifax and Experian.

Checking to see if you're eligible doesn't impact your credit score. You can also see how the limit you're eligible for and at what rate.

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Existing customers can get help via the app

Monzo Bank Limited is a company registered in England and Wales (No.09446231). Monzo Bank Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Our financial Services Register number is 730427. Our address is Broadwalk House, 5 Appold St, London EC2A 2AG.