Business Overdraft Cost
Calculate the cost of a UK business overdraft facility — interest on the balance used, the arrangement fee, and any penalty cost from unauthorised borrowing.
Dati verificati · luglio 2026
What if my facility limit is higher than the balance I actually used?
Enter the facility limit separately — the arrangement fee is calculated on the limit, not the balance used, so leaving it at zero (defaulting to the balance) will understate the fee if your agreed limit is larger.
Fonte: UK Finance — Business banking facilities overview; FCA — business current account and overdraft disclosure rules. · aggiornato 2026
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Tutto su Business Overdraft Cost
📋Presentazione+
A UK business overdraft typically costs interest on the balance actually used, an arrangement fee charged on the facility limit, and — if you exceed the agreed limit — a much higher penalty rate on the unauthorised portion. This calculator totals all three components over the number of days used and annualises the combined cost so you can compare the overdraft against other short-term financing.
💡 Buone pratiche
- The arrangement fee is charged on the facility limit, not the balance used — a large unused facility still costs a fee, so size the limit to genuine need.
- Unauthorised borrowing penalty rates are often several times the authorised rate — treat any unauthorised usage as an emergency to resolve, not a routine buffer.
- Compare the effective annual rate here against invoice factoring or a term loan before renewing an overdraft facility on the same terms year after year.
🔢 Esempio concreto
£5,000 overdraft balance at 12% annual interest for a full year, with a 1.5% arrangement fee: roughly £600 interest plus a £75 arrangement fee (on the same £5,000 limit).
📖Guida all'uso+
Come usare questo calcolatore
- 1
Enter the overdraft balance used and the annual interest rate charged on it.
- 2
Enter the arrangement fee percentage and the facility limit (if different from the balance used).
- 3
Enter the number of days the overdraft is used for.
- 4
If you exceed the limit, enter the unauthorised amount and its penalty rate.
📚Glossario+
- Arrangement fee
- A fee charged by the bank for setting up or renewing an overdraft facility, typically calculated as a percentage of the facility limit rather than the amount actually drawn.
- Unauthorised borrowing
- Overdraft usage that exceeds the agreed facility limit, usually charged at a significantly higher penalty interest rate than the authorised balance.
ℹ️Fonti e aggiornamenti+
Ultimo aggiornamento dei dati
7 luglio 2026
Fonti e riferimenti
UK Finance — Business banking facilities overview; FCA — business current account and overdraft disclosure rules.
I dati di questo calcolatore vengono aggiornati regolarmente per riflettere gli ultimi parametri ufficiali. In caso di dubbio, consulta le fonti ufficiali indicate sopra.
FAQ — Business Overdraft Cost
What if my facility limit is higher than the balance I actually used?+
Enter the facility limit separately — the arrangement fee is calculated on the limit, not the balance used, so leaving it at zero (defaulting to the balance) will understate the fee if your agreed limit is larger.
Why is the unauthorised rate so much higher than the authorised rate?+
Banks price unauthorised (over-limit) borrowing as a penalty to discourage it and to compensate for the higher risk of unplanned lending — treat any unauthorised cost shown here as a signal to renegotiate your facility limit rather than a sustainable financing option.