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Help with compounded contractual interest


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Hello, I'm looking at using the 'Throughout claim with compounded contractual interest' vampiress spreadsheet but am unsure what figure to use for the interest?


Just looking at the First Direct bank account charges, it says:

Agreed overdraft balances = 10.48% (gross % p.a.) and 10.9% (EAR)

Unauthorised overdraft = 18.37% (gross % p.a.) and 19.9% (EAR)


So I which figure do I add 18.37%? :confused:

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