Used overdrsft with them for years- now suddenly they don’t want me to keep using it. They say it’s because they are a responsible lender. Well that means for about 14 years thry were irresponsible in issuing four figure overdrafts. New rules now mean they are suddenly trying to present themselves as a responsible lender and threatening to close my account if I don’t clear overdraft. Like / yes - cost of living crises??? Ever heard of it? Furthermore their mobile / internet banking is constantly not working properly Stay away from this bank. Nat West are far more efficient and really are a responsible lender Only sorry I gave one star but not possible to give zero stars!