They are still called unarranged overdraft at Santander and HSBC. HSBC is now sending you an SMS and give you until the end of the day to transfer some money b

They are still called unarranged overdraft at Santander and HSBC. HSBC is now sending you an SMS and give you until the end of the day to transfer some money before you need to pay the fee. (note that unlike a few years back, money transfer seem to happen in a few hours, so that is actually possible) Not sure about Santander, I haven't been in the situation while banking with them. I didn't see any option to disable it in either bank.