About unauthorised overdraft charges (RBS)...

laura-uk_2

I have accidentally gone £4.87 over my overdraft limit. I have a Graduate Royalties account with RBS. This hasn't happened to me before... from looking on the net, I'm guessing I'm going to be charged £15? Is this correct?

Also, how do you pay the charge? Do they just take it out when your account is next credited with money? Because I'm not going to have anything going in until next week...

thanks in advance

zppp

laura-uk wrote: »

I have accidentally gone £4.87 over my overdraft limit. I have a Graduate Royalties account with RBS. This hasn't happened to me before... from looking on the net, I'm guessing I'm going to be charged £15? Is this correct?

Also, how do you pay the charge? Do they just take it out when your account is next credited with money? Because I'm not going to have anything going in until next week...

thanks in advance

According to the website it is £10. They will give you notice in your next statement.

preable

You will get a notice in your next statement

bengal-stripe

laura-uk wrote: »

I have accidentally gone £4.87 over my overdraft limit.......This hasn't happened to me before...

If you phone the bank, say it was an oversight, talk sweetly and ask them to cancel the charge......
there is a good chance they will do it (as you are a "first-time-offender").

laura-uk_2

so I haven't yet heard anything from the bank, but today I signed in to Digital Banking and it seems a £30 payment I made via PayPal is no longer there, and I now I have £25-ish "available". Do you think they've just reversed the £30 PayPal payment without telling me?