Giving you peace of mind that additional funds are available if you need them.

A Personal arranged overdraft gives you a credit facility on your current account for temporary or occasional use. This gives you access to money when you really need it.


To apply you must be aged 18 or over and hold a personal current account with First Trust Bank. Lending criteria and terms and conditions apply. For more details see the 'Important information' section.

--------------------Start of Accordion Container---------------------------

Click on edit button to enter Accordion Header

Personal arranged overdraft

  • --------------------Start of Accordion---------------------------

    Features and benefits

    • You can apply for a personal arranged overdraft if you hold a Classic current account.
    • No arrangement or renewal fee is charged for organising an arranged overdraft.
    • You can access your arranged overdraft when you use your Visa debit card, when withdrawing cash from a cash machine, or when you write a cheque or pay a bill.
    • If you use the agreed arranged overdraft facility, you may pay debit interest and a monthly fee depending on the type of current account you hold. Other fees and charges will apply if you exceed the agreed arranged overdraft facility or if we unpay an item when you did not have sufficient cleared funds to cover the payment.
    • We will send you a detailed pre-notification with your monthly statement showing the interest and fees you owe us at least 14 days before we take the money from your account.


    Click here to find out more details about fees, charges and interest rates that apply to your current account when you use an arranged overdraft facility.

    --------------------End of Accordion---------------------------

-------------------End of Accordion Container---------------------------

How to apply

To apply for an arranged overdraft on your current account, call us on 0800 38 22 65 .


Applications can take between 15 to 20 minutes to complete. Alternatively, select the callback request on the right of this screen, complete your details and we will call you back at a time that suits you.


You can also call in to your local First Trust Bank branch to complete an application.


We’ll be happy to answer any questions you may have about applying for an arranged overdraft with First Trust Bank.


 Lines open: 9am to 5pm Monday - Friday (except on bank holidays). Calls may be recorded. Call charges may vary - refer to your service provider.

--------------------Start of Accordion Container---------------------------

Click on edit button to enter Accordion Header

Important information

  • --------------------Start of Accordion---------------------------

    Information about borrowings

    As a responsible lender, we will only lend you money after assessing whether you are able to make the repayments.


    We will only issue credit facilities depending on your financial circumstances. You must be aged 18 or over. Please ask us for full details of terms and conditions and written quotations.

    --------------------End of Accordion---------------------------

-------------------End of Accordion Container---------------------------

Help and guidance


Daily banking interest rates

View the current interest rates that apply to personal current accounts.


Standards of Lending Practice

We adhere to the Standards of Lending Practice which sets standards for banks when dealing with lending and overdrafts for personal customers. You can get more information on the Standards from any branch or at Under the Standards we have also developed a Statement of Lender and Borrower Responsibilities to ensure that the relationship works well for both of us.


Help Centre

For service related queries, please visit our Help Centre.

Related Products / Contents