Overdraft claims
Overdraft interest adding up? You could claim money back.
If you were stuck in an overdraft you couldn’t afford, you may be able to reclaim interest and charges.
Let Clear Legal handle your complaint. Our claims partner can assess your case and pursue it with your bank on your behalf.
Continue to Clear Legal’s application form.
*Success fees: 15–30% plus VAT (18–36% including VAT). Cancellation fees may apply. See fee details.
Optional calculator
See how much you paid in overdraft charges
If your overdraft was unaffordable, some of the interest and charges you paid could be refunded.
You can start your check without using this calculator.
Go straight to your checkUse your average balance across all days, including days out of overdraft, after any interest-free allowance. Use the EAR from your bank, not a representative APR. Example figures are not assumed rates.
interest and charges
Example: £30 a month for 3 years. Change the figures to see your estimate.
Estimated costs, not a guaranteed refund. Only costs within an upheld complaint may be refunded. Partner fees reduce what you keep; redress may reduce an outstanding balance. Additional compensation interest is not included.
Check NowClear Legal can assess whether you have a claim.
How is this calculated?
Your average monthly overdraft interest and fees × 12 × years. Use statement figures where possible; exclude unrelated account fees.
Additional compensation interest depends on the decision and when you were deprived of money. For Ombudsman referrals from 1 January 2026, the usual rate is the time-weighted Bank of England base rate plus one percentage point, rather than a flat 8%. These inputs cannot establish it, so it is excluded. Ombudsman guidance.
Why a refund may be possible
Being given an overdraft doesn’t mean it was affordable.
An overdraft can help with a temporary shortfall. But if paying it back left you unable to cover normal living costs, there may be grounds for a complaint.
The key question is whether your bank lent responsibly and treated you fairly. Simply using an overdraft or paying interest does not, on its own, mean you are owed a refund.
Read the Financial Ombudsman’s explanation of unaffordable lending ↗.
What a successful complaint could mean
- Interest and charges returned
Costs relating to lending found to be unaffordable may be refunded.
- A reduction in what you owe
If you still have a balance, redress may reduce your debt instead of being paid entirely in cash.
- Relevant credit file corrections
Adverse information may be corrected where appropriate.
The outcome and amount depend on the evidence. A successful claim is not guaranteed.
A clear next step
How your claim is handled
Start with the online form
Complete Clear Legal’s online application with the details requested.
Clear Legal reviews your case
Clear Legal assesses whether they can help. Review their fees and agreement before deciding to instruct them.
Clear Legal handles your complaint
If Clear Legal accepts your case and you appoint them, they pursue the complaint with your bank on your behalf.
Before you start
Your questions answered
Clear answers about refunds, fees and your options.
Can I check if I’ve already paid it off?
Repaying an overdraft does not automatically rule out a complaint about how it was provided or managed. The circumstances and applicable time limits still matter.
How much could I get back?
There is no fixed payout. It depends on what happened, which charges are considered unfair and the period covered. The calculator above shows charges paid, not what your claim is worth. Redress may first reduce an outstanding balance.
What does “no win, no fee” mean?
Our published partner success fees are 15–30% plus VAT, equivalent to 18–36% including VAT, depending on the applicable fee band. No success fee is due if no offer is obtained. You have a 14-day cancellation period; later cancellation or a breach of your agreement may incur fees. Check the partner’s agreement for the exact terms before signing. The Claims Guide does not charge you for the introduction. Read our fee information.
Can I complain without using a claims company?
Yes. You can make a complaint directly to your bank for free. If you are unhappy with its response, or it has not responded within the relevant time, you can take an eligible complaint to the Financial Ombudsman Service for free. Using a representative is optional and does not guarantee a better outcome.
How long will a complaint take?
Banks generally have eight weeks to provide a final response to this type of complaint. Cases referred to the Financial Ombudsman can take longer. There is no guaranteed completion date.
Who am I signing up with?
Our claims partner is Clear Legal. The Claims Guide introduces you to them, and Clear Legal assesses and handles accepted claims once appointed. Werecoup hosts the online application form. Review Clear Legal’s agreement and fees before signing. We receive payments from partnered firms.
Spent months stuck in your overdraft?
Find out whether Clear Legal can help you reclaim interest and charges.
Continue to Clear Legal’s application