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Forget unauthorised overdraft fees

ClearAccount is a fantastic new service that helps prevent overdraft charges and allows you to borrow money over a short period of time.

Applying is completely free and if you're approved, you can borrow and repay at any time. Borrowing costs £1 per day for every £100 you borrow and there are never any other fees.

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Compare our fees

If you borrow £50 for 5 days:

ClearAccount interest Banks might charge Payday lenders might charge




See details > See details >
Figures based on fees charged by a leading high street bank and online payday lender respectively

Representative 430% APR (variable)

Representative example >
Representative Example:
If you borrow credit totalling £500.00 in a single drawdown and repay over the maximum period of 7 months the total amount payable is £782.75. The total charge for credit is £282.75 comprising interest only. The interest rate is 1% per day equating to 365% per annum (variable) charged for a maximum 58 days on the outstanding balance. You are required to pay a minimum of £170.00 in month one and £161.50 in month two (5% of capital plus interest on the balance each month) with the balance of £451.25 being repayable over a maximum of 5 equal monthly instalments of £90.25. Representative 430% APR (variable). Please note, APR is a function of time and cost. If you pay off your credit more quickly the APR will probably increase.

ClearAccount: Protecting your bank balance


A unique credit facility that can help protect you from unauthorised overdraft fees.

  • Switch on SafetyNet to automatically top up your current account.
  • Set the balance level that will trigger automatic top-ups.
  • When SafetyNet detects that you've reached this limit, it will make an instant deposit to your current account.

ClearAccount dashboard

All the tools you need to manage your account and stay in control of your finances.

  • See your available credit.
  • Check your charges and repayment amount at any time.
  • Our interactive charts categorise your spending so that you can see where your money is going and get on top of your finances.


We never lend more than you can afford, and you never pay back more than you expected.

  • You pay £1 per day per £100 you borrow.
  • You never pay us rollover fees, transaction fees, compound interest or subscription fees.
  • If you need credit for longer than you expect we won't charge additional fees, you just continue to pay our standard rate of £1 per day per £100 you borrow until you have repaid your balance.

ClearAccount features


SafetyNet's credit facility is always ready to help protect you from unauthorised overdraft fees.

  • ClearAccount's secure SafetyNet facility monitors your account and automatically tops it up, helping you avoid unauthorised overdraft charges.
  • SafetyNet lets you borrow money whenever you choose if you have any unexpected or urgent bills.
  • If you apply and are approved, credit will be available to you at all times.


ClearAccount gives you total control over your finances.

  • ClearAccount's intelligent money management tools help you stay in control of your finances.
  • Use our clever interactive charts to track and analyse your spending habits.
  • Log in to your ClearAccount dashboard at any time to check your latest repayment amount and interest.

Bank-level security

At ClearAccount, the security of your online transactions and data is our priority.

  • We use the same 128-bit encryption and physical security that your bank uses.
  • Our unique software immediately detects any suspicious activity and sends us an alert.
  • We're secured by Norton VeriSign and protect the security of your data with daily and quarterly website scans.

Representative example If you borrow credit totalling £100.00 in a single drawdown and... read more