Borrowers relying on £500 overdraft 衝撃を和らげるものs will be stung when they 消える as Bank of England finds 率s for going into the red are at a 記録，記録的な／記録する high

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Bank overdraft 率s 攻撃する，衝突する an 史上最高 last month and have more than 二塁打d since March, によれば 人物／姿／数字s 解放（する）d just before as many as 27million banking 顧客s lose 接近 to 利益／興味-解放する／自由な overdraft 衝撃を和らげるものs of up to £500.

The Bank of England 設立する overdraft 率s rose 3.52 百分率 points to 22.52 per cent in September, the highest 率 since it began 跡をつけるing borrowing costs four years ago.

It means that those borrowers still relying on a larger 利益／興味-解放する／自由な overdraft to cushion the 衝撃 of the coronavirus pandemic on their 財政／金融s could be stung by expensive borrowing costs once the £500 料金-解放する／自由な 衝撃を和らげるもの is 段階d out from the start of next month.

Banks 含むing HSBC, 全国的な, NatWest and Santander have brought 支援する borrowing 率s of 39% APR, having 以前 lowered them after regulators asked them to support borrowers

The 人物／姿／数字s show how Britain's biggest banks quickly 再提出するd borrowing costs of の近くに to 40 per cent APR after regulators 要求するd them to keep the cost of dipping into the red low between April and July to support those 影響する／感情d by the coronavirus.

Major high street 貸す人s had 以前 発表するd 計画（する）s earlier this year to 告発（する），告訴（する）／料金 顧客s between 35 per cent and 39.9 per cent across the board, after the 財政上の 行為／行う 当局 said banks could no longer 告発（する），告訴（する）／料金 more for unarranged overdrafts and 要求するd them to price borrowing costs using one 利益／興味 率.

However these moves, and banks' 利益（をあげる）s, were 攻撃する，衝突する by the FCA 必要物／必要条件 in April to 確実にする 顧客s were no worse off than they would have been before 提案するd changes, while it also 要求するd 貸す人s to 申し込む／申し出 borrowers 利益／興味-解放する／自由な overdraft 衝撃を和らげるものs of £500 if the coronavirus pandemic had put them in 財政上の difficulty.

These 対策 meant overdraft 率s had 以前 fallen 15 百分率 points to 10.93 per cent.

But at the start of July the FCA said banks would no longer have to 告発（する），告訴（する）／料金 borrowers いっそう少なく unless they could 証明する they were financially 衝撃d by the coronavirus, while it also 棚上げにするd a formal 調査 into banks' new overdraft 率s after 関心s they had all 始める，決める the cost of borrowing at の近くに to 40 per cent.

Britain's biggest banks subsequently brought 支援する those 告発（する），告訴（する）／料金s throughout July and August, with 顧客s of eight high street banks now 告発（する），告訴（する）／料金d at least 39 per cent if they 下落する into their overdraft.

Andrew Hagger, the 創立者 of personal 財政／金融 場所／位置 Moneycomms, 以前 told This is Money some 経常収支 顧客s would be 'in for a 汚い shock' when these higher overdraft 率s were 再提出するd.

Moneyfacts' Rachel Springall said: 'The changes that shook up the market will 供給する more transparency to 消費者s to compare 関税s, but the rise to overdraft 利益／興味 率s does mean that using an arranged overdraft can be more expensive than using a 基準 credit card.'?

One 23-year-old woman from London who 不明な spoke to This is Money said she had been using 'all of her £500' 料金-解放する／自由な overdraft, having been on furlough from her 職業 as an 移民／移住 助言者 since April.

She said she 'wou ldn't really have any 選択s' when it （機の）カム to 支払う／賃金ing her 法案s if she did not have 接近 to her overdraft or to her credit card, having also had to cover some other surprise costs 含むing 取って代わるing a pair of broken glasses.

The Bank of England 人物／姿／数字s, published just days before banks no longer have to 申し込む／申し出 £500 料金-解放する／自由な overdraft 衝撃を和らげるものs to their 顧客s, followed data from Moneyfacts published last week which 概算の overdraft 率s more than 二塁打d between June and September, and remain at those levels this month.

In June the 普通の／平均（する） cost of an arranged overdraft was 10.89 per cent, which rose to 26.97 per cent last month. This saw the cost of borrowing £500 for 30 days more than 二塁打 from £4.27 to £9.91.

貿易（する） 団体／死体 UK 財政／金融 said last week 27million accounts had 利益d from the £500 利益／興味-解放する／自由な 衝撃を和らげるもの, which will be 段階d out from November along with other support like credit card and mortgage 支払い（額） holidays.

It told This is Money overdraft 率s were a 商業の 決定／判定勝ち（する） for individual banks, while the FCA last month said it 推定する／予想するd banks to 接触する overdraft 顧客s to see if they still needed help.

It said they should '供給する tailored support such as 減ずるing or waiving 利益／興味, agreeing a programme of 行う／開催する／段階d 削減s in the overdraft 限界, or supporting 顧客s to 減ずる their overdraft usage by transferring the 負債.'

THIS IS MONEY'S FIVE OF THE BEST CURRENT ACCOUNTS

Chase Bank will 支払う／賃金 £1% cashback on spending for the first 12 months. 顧客s also get 接近 to an 平易な-接近 linked 貯金 account 支払う／賃金ing 3.8% on balances up to £250,000. The account is 完全に 解放する／自由な to 始める，決める up and is 完全に app based. Also no 告発（する），告訴（する）／料金s when using the card abroad.

全国的な's FlexDirect Account 申し込む／申し出s 5% in-credit 利益／興味 to new joiners when they switch on balances up to £1,500. This 率 only lasts for one year. The account is 料金 解放する／自由な.

Halifax Reward Account 支払う／賃金s £150 when you switch. Also earn up to an extra £75 cashback when you spend £750 each month for 3 months. There is a £3 月毎の account 料金, but that’s stopped by 支払う／賃金ing in at least £1,500 each month.

First Direct will give newcomers £175 when they switch their account. It also 申し込む／申し出s a £250 利益／興味-解放する／自由な overdraft. 顧客s must 支払う／賃金 in at least £1,000 within three months of 開始 the account.

NatWest's Select Account account 支払う／賃金s £200 when you switch. The account has no 月毎の 告発（する），告訴（する）／料金s, but to be elligible for the £200, you'll need to deposit £1,250 into the account and スピードを出す／記録につける into 動きやすい banking app within 60 days.

取引，協定s 選ぶd by This is Money's specialist reporters.

Read our 十分な best bank accounts 一連の会議、交渉／完成する-up