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Fees

Referral item charges are payable where an account exceeds, or further exceeds, the agreed overdraft limit and has an unauthorised overdraft where no overdraft limit has been agreed.

The charges apply for each withdrawal from an account while it remains in an unauthorised overdraft position. In addition, an interest surcharge or 0.6% per month (7.2% per annum) will apply. Where accounts do not revert to credit for 30 days during a 12 month period, an interest surcharge of 0.75% per annum will be charged.

Referral item charges are payable where an account exceeds, or further exceeds, the agreed overdraft limit and has an unauthorised overdraft where no overdraft limit has been agreed. More than one charge may be applied on the same day. For further details refer to our Schedule of fees and charges for Personal Customers brochure, also available in your local branch.

In addition, an interest surcharge of 0.6% per month (7.2% per annum), will apply to the amount in excess in these circumstances. Surcharge interest is payable at the same time and in the same manner as the regular interest charge, currently quarterly.

If an account does not revert to credit for at least 30 days during the 12-month period commencing on the date of sanction or any subsequent 12-month period, an interest surcharge of 0.75% per annum will be charged retrospectively on the average full overdraft balance. It will be included in the amount applied at the following quarter’s interest posting

Referral item charges and interest surcharges are in addition to the relevant Overdraft interest rate and apply to the statement (i.e. uncleared) balance.