Overdraft

A person, an organisation or an agent holding its own account sees exactly what an arranged overdraft would cost before applying, applies with an affordability check, reads the decision with its reasons and the data each rests on, accepts only with the borrower's own strong authentication, is warned before going overdrawn or paying interest, can top up from savings, can reduce or remove the overdraft at any time, and is offered a plan and a person if they use it a lot.