![]() You can also send money to friends and family abroad from your Santander Edge current account with no extra fees from us for the international payment. Please note that local banks may charge their own fees when you use one of their cash machines and you should make sure you understand what these are before making a withdrawal. We'll apply the current Mastercard exchange rate to any purchases or cash withdrawals you make in the local currency. If you use your debit card outside the UK before then, the standard foreign currency conversion fee of 2.95% will apply. It may take up to 3 working days for the 0% foreign currency conversion fee to be applied after you’ve opened or transferred to the Santander Edge current account. (We'll apply a 0% foreign currency conversion fee.) ![]() We won’t charge you for using your Santander Edge debit card to withdraw cash and make payments in the local currency outside the UK. There’s no charge for making CHAPS payments from your Santander Edge current account.The bank receiving the payment may still apply charges. You can make international payments with no extra fees from us.If you need help managing your money or if you’re in debt, please visit our money worries page. If you’d like more help with this, please contact us or visit your local branch You can manage your alerts settings at any time by using Online Banking. For more information, visit our account alerts page. For example, alerts to let you know when your balance has fallen below a set limit, or if you’ve had a deposit into your account that’s greater than a set amount. You can also register for other account alerts to help you to stay on top of your finances. We’ll send these alerts before your account’s charged so that you have time to pay in money and either avoid or reduce overdraft charges. Make sure your mobile number is up to date so we can send these to you. your account goes further into an arranged overdraft, which may cause the cost to increase.a payment is refused as you don’t have enough funds.you have regular payments due on your account and you don’t have the funds to cover them.your account makes (or may make) use of an unarranged overdraft. ![]() Please see our terms and conditions for details. There are other charges with this account. We also have different borrowing options, such as credit cards, personal loans, and additional loans for our mortgage customers. We offer other current accounts with different overdraft interest rates or without the option for an overdraft facility. If you use an arranged overdraft of £1,200, you’ll be charged an interest rate of 39.94% APR/EAR (variable). The table below shows you how you’ll be charged for using your overdraft. We don’t charge fees for allowing or refusing a payment due to lack of funds.Īlready completed the eligibility checker? Find your previous decision If we allow a payment, it’ll take you into an unarranged overdraft. When you try to make a payment when you don’t have enough money in the account, we decide whether to allow or reject the payment based on your circumstances. You can ask for one when you open your account or at any other time.Īn unarranged overdraft is when your account goes overdrawn without an arranged overdraft in place or if your account goes over your arranged overdraft limit. We'll try to notify you of this in advance.Īn arranged overdraft is when we let you borrow up to a pre-agreed limit. We may ask you to repay all or part of your overdraft at any time. You must repay any overdraft when we ask, in line with our General Terms and Conditions. This could make it harder or more expensive to get credit with us or other providers in the future. The way you manage your overdraft, for example if you don’t repay your interest and charges regularly, may affect your credit file. There is a cost associated with using an overdraft. It’s intended mainly for short-term costs or emergencies and isn’t generally suitable for longer-term borrowing. To learn more about some of the common terms we use, take a look at our glossary OverdraftĪn overdraft lets you borrow through your current account. The Fee Information Document (128 KB) explains the main fees and charges for this account, including those for using an overdraft. It’s paid from your account automatically each month. There’s a £3 monthly fee to maintain the account.
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