Can my Card use the overdraft I have with my Bank?

When you do a transaction with your Card, we ask your bank if you have sufficient funds to cover the transaction, which will include any arranged overdraft you have with your bank. If your bank confirms you have sufficient funds, then we can authorise the transaction.

If your bank doesn't class your overdraft as "available funds" for these purposes, they may return an insufficient funds message and we'll decline the transaction as a result.