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Northern Rock / Virgin Money Overdraft Buffer

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It's not often I have anything good to say about a Bank but something I've used a few times without being charged is the Overdraft Buffer applied to my old Northern Rock Account, now Virgin Money.


From their T's & C's.......


11. Overdraft facilities - including buffer


11.6. We will not charge you any interest and service fees on an unauthorised overdraft if the amount you have

overdrawn without our authorisation is £35 or less and your account is returned to credit within one month of

going overdrawn.


If you are overdrawn without our authorisation by more than £35, interest and service fees will be charged in accordance

with condition 11.3 and condition 11.4.


At least it saves you getting hit with charges for going a few pounds or pence overdrawn.


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