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Can you disable your overdraft?

  • 16-09-2011 11:21am
    #1
    Kenno90
    Registered Users, Registered Users 2 Posts: 3,184 ✭✭✭


    Hi Guys,

    Just a quick question, Can you disable your overdraft if you've no need for it.

    A friend of mine ends up going overboard and struggles for the next few weeks when the bank automatically takes it out of her account when she gets paid.

    It would be much better if her spending stopped when her account reached 0


Comments

  • #2
    BuffyBot
    Registered Users, Registered Users 2 Posts: 24,924 ✭✭✭✭BuffyBot


    Yes. Just contact the branch and it can be removed


  • #3
    nlgbbbblth
    Closed Accounts Posts: 5,668 ✭✭✭nlgbbbblth


    If she's using the overdraft every month then suddenly removing it will surely cause financial difficulty?


  • #4
    john212
    Registered Users Posts: 9 ✭john212


    she's far better off removing the overdraft facility - 1- it'll save her an overdraft facility fee and 2 it'll save her interest on overdraft every month and 3) will be able to manage her money much better - only way to do this is discipline - put money aside for the "must pay bills" and what ever is left over in the account, that has to do for discretionary spending unil next pay day


  • #5
    lilacclery
    Registered Users Posts: 68 ✭✭lilacclery


    I had this problem as a student with one particular bank, repeatedly went into the bank to stop it occuring and they told me I should check the balance before each transaction, eventually they asked me to close my account with them!
    I have never had an issue like this with my 'new' bank, with them 6 years!


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