Natwest Adapt Overdraft

SamuelDinnadge

Ok. So Friday i bought something with my Natwest Adapt account at the COOP. The money has not taken out of my account yet. But today someone hacked my PayPal and bought a ton of things wiping out my card. I have requested refunds for the things, but the refunds have not come through yet. I am worried that the COOP items have been paid for on my card on my empty account, that i will go overdrawn and be charged a fee? Is there a fee. Please help! :mad:

stclair

Natwest Adapt accounts cant go overdrawn.

If there was not enough funds in the account the transaction should have been declined.

Plus minors cant be charged for going overdrawn should they do so.

SamuelDinnadge

Yeah. There was money on the account when i bought the item. But the money still has not come out. And now my account is empty. But thanks for the reply.

stclair

SamuelDinnadge wrote: »

Yeah. There was money on the account when i bought the item. But the money still has not come out. And now my account is empty. But thanks for the reply.

Sometimes there can be a few day delay in the funds debiting your account.

SamuelDinnadge

So you work for Natwest. So when the money does get taken out, i wont go overdrawn and not be charged?

stclair

SamuelDinnadge wrote: »

So you work for Natwest. So when the money does get taken out, i wont go overdrawn and not be charged?

You will go overdrawn but you wont be charged.

If you do get charged you need to contact the bank and remind them your under 18

SamuelDinnadge

Ok. So when the refund comes through it will cover the overdrawn amount.

stclair

SamuelDinnadge wrote: »

Ok. So when the refund comes through it will cover the overdrawn amount.

Yes once the bank have refunded your money that will then put you back in credit.

SamuelDinnadge

Ok thanks! You have really helped me!