Hello,

I'd like to warn other forum users about something I recently found out. I was accidentally overdrawn on my account last month and got a massive charge for it. I found out it was called an 'unauthorised overdraft' charge and that's why it was so ridiculously high! If you think you might need to use your overdraft some months - get approval from your bank first. The interest and charges is significantly lower than just overdrawing without the banks knowledge. They might charge you a set up fee but all in all, it should be cheaper if you do sometimes get overdrawn.

Hope this helps some people!