They are still called unarranged overdraft at Santander and HSBC.<p>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&#x27;t been in the situation while banking with them.<p>I didn&#x27;t see any option to disable it in either bank.