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Overdraft Eligibility Tool

Overdraft Eligibility Calculator V2

Step 1 of 3

33%

Rate Parameter
Clear / Other % Rate
Check how likely you are to be approved for an overdraft
- We only need a few details
- It does not affect your score or ability to get credit
- You will get a result straight away
What is your account type?(Required)
Enter the type of account you are applying for or already have with Bank of Ireland UK. If you are not sure what account you hold please check your statement
About you
Do you have a joint account?(Required)
- Yes
- No
Please tell us if you have a joint account.
First Name(Required)
Enter all the first names that you have
Last Name(Required)
Joint account
First Name - Applicant 2(Required)
Enter all the first names that you have
Last Name - Applicant 2(Required)
Please confirm the following
Are you over 18 years of age?(Required)
- Yes
- No
You need to be over 18 years of age to apply for an overdraft.
In the last 6 years, has any applicant declared bankruptcy, registered an Individual Voluntary Arrangement (IVA) or had a County Court Judgment (CCJ) registered against them?(Required)
- Yes
- No
Do all applicants have their lending payments (loans, mortgage, credit cards, car finance) up to date?(Required)
- Yes
- No
Results (Elective, intercalated, ipls, gms)
The maximum overdraft available for this account is:
What is the amount of arranged overdraft you would like?(Required)
max validation - elective
Please enter an overdraft amount of £50 or more.
You have entered an invalid amount, it must be a multiple of £50 and cannot exceed the maximum overdraft amount available for this account.
This must be at least £50, a 'multiple' of £50 and include any arranged overdraft that you already have.
Privacy notice
- You should know that these results are indicative only and depend on what you tell us.
- They do not guarantee that we will offer you an arranged overdraft of the amount selected.
- We will complete a full assessment, including a credit check, once you apply.
- By using this overdraft tool your credit file won’t be adversely affected
Please read the Bank of Ireland UK plc Privacy Notice to understand how we will use your personal information.
Parameters
amount requested
max od

About you
What is your residential status?(Required)
- Homeowner with mortgage
- Homeowner without mortgage
- Tenant
- Living with parents
Where do you live?(Required)
- NI
- GB
You need to live in the UK to apply for an overdraft.
Where do you live?(Required)
- NI
- GB
You need to live in the UK to apply for an overdraft.
Where do you live?(Required)
- NI
- GB
You need to live in the UK to apply for an overdraft.
What is your age group?(Required)
You need to be 18 years old or older to apply for an overdraft.
What is your age group?(Required)
You need to be 18 years old or older to apply for an overdraft.
What is your age group?(Required)
You need to be 18 years old or older to apply for an overdraft.
What is your age group?(Required)
You need to be 18 years old or older to apply for an overdraft.
What is your age group?(Required)
You need to be 18 years old or older to apply for an overdraft.
Cost of living
Your education
Faculty(Required)
Enter the faculty you are studing.
How long was your undergraduate course?(Required)
Tell us how long you have studied for your undergraduate course
Which year of the course are you in (Other)?(Required)
Tell us your current year of study at your undergraduate course.
Which year of the course are you in?(Required)
Tell us your current year of study at your undergraduate course.
course length value
for conditional logic
Results (Grad & Student)
The maximum overdraft available for this account is:
What is the amount of arranged overdraft you would like?(Required)
max validation grad
Please enter an overdraft amount of £50 or more.
You have entered an invalid amount, it must be a multiple of £50 and cannot exceed the maximum overdraft amount available for this account.
This must be at least £50, a 'multiple' of £50 and include any arranged overdraft that you already have.
Please confirm course details
- You should know that these results are indicative only and depend on what you tell us.
- They do not guarantee that we will offer you an arranged overdraft of the amount selected.
- We will complete a full assessment, including a credit check, once you apply.
- By using this overdraft tool your credit file won’t be adversely affected
Please read the Bank of Ireland UK plc Privacy Notice to understand how we will use your personal information.

Your finances
How often are the main income payments made into the account?(Required)
The frequency of the main payment you will be making into the account (for example your wages).
How much are you paid every week after tax?(Required)
The total amount of income from all sources that you receive weekly (after tax and NI deductions).
This field is hidden when viewing the form
Monthly amount
How much are you paid every fortnight after tax?(Required)
The total amount of income from all sources that you receive fortnightly (after tax and NI deductions).
This field is hidden when viewing the form
Monthly amount
How much are you paid every month after tax?(Required)
You earn at least £100 to be able to apply for an overdraft.
This field is hidden when viewing the form
Total Monthly Income
Sum of Populates 'How much will you pay into your BOI account every week, fortnight & month
How much will go into the Bank of Ireland UK account?(Required)
Do you have a joint mortgage?(Required)
- Yes
- No
Tell us if you have a mortgage with someone else.
How much are your monthly mortgage repayments?(Required)
Your monthly mortgage payment amount. If you have a joint mortgage, please enter the full payment amount even if it is not paid from your account.
This field is hidden when viewing the form
Monthly mortgage amount(Required)
What is the total amount you owe in credit cards, loans, hire purchase etc (excluding mortgage)?(Required)
Tell us the total of your lending including credit card, loans, car finance deals and any others that you may have.
This field is hidden when viewing the form
Unsecured payments
3% of total amount you owe = e.g. £10,000*3% = £300
Results (Clear & Other)
The maximum overdraft available for this account is:
What is the amount of arranged overdraft you would like?(Required)
Please enter a number greater than or equal to 50.
max validation clear
You have entered an invalid amount, it must be a multiple of £50 and cannot exceed the maximum overdraft amount available for this account.
This must be at least £50, a 'multiple' of £50 and include any arranged overdraft that you already have.
You must select an overdraft amount of £50 or more!
- You should know that these results are indicative only and depend on what you tell us.
- They do not guarantee that we will offer you an arranged overdraft of the amount selected.
- We will complete a full assessment, including a credit check, once you apply.
- By using this overdraft tool your credit file won’t be adversely affected
Please read the Bank of Ireland UK plc Privacy Notice to understand how we will use your personal information.
Monthly payment
also contains hidden affordability field
Net Free Income
Monthly Income- cost of living- Unsecured payments- Monthly mortgage / rent total- Monthly Payment
NFI excluding monthly payment
Monthly Payment
Your monthly payment based on the requested overdraft amount
cost of living
mortgage amount
unsecured payments
rent

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