i-draft – a viable alternative to a bank account with an overdraft facility.

Find out how i-draft can help you get back in control of your monthly finances, without penalising you for using this alternative overdraft facility.

The icount version of an overdraft – cardholders can apply for an £250 arranged i-draft. 

The i-draft facility is offered as standard with the icount Prepaid Mastercard account.

i-draft advantages:

  • Increased flexibility when it comes to the end of the month (and your funds are a little bit lower than you anticipated)
  • No penalties or charges for using the alternative overdraft from icount
  • A way to improve your credit score, through regular i-draft repayments

Not yet an icount customer?

Apply for an icount current account with prepaid Mastercard® here

How does the icount i-draft facility work?

i-draft is what’s commonly known as ‘arranged overdraft facility’ which means that you have an agreement with us that the £250 is there when you need it the most. Whether it’s an unexpected bill or car repair, i-draft is there for you to use.

To use i-draft costs just 75p per day. You will not be charged more than £10 per month.

How is i-draft different from a regular high street bank overdraft?

Many banks offering an overdraft or credit facility reserve the right to charge their customers for using this service, which is known as an ‘unarranged overdraft’.

Not with icount. The i-draft facility will never cost you more than £10 per month. 

Not yet an icount customer?

If you like the sound of the i-draft facility, but you’re not an icount Prepaid Mastercard® customer yet – we have a number of plans to suit you.

From Pay Monthly to Pay As You Go accounts, you can sign up in moments.

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Already an icount customer?

Keep an eye on your emails and the icount Members Area – we’ll send you a message with further instructions if the i-draft facility is available to you – some customers will not be eligible to apply for the i-draft facility.

Who provides the i-draft online personal line of credit?

Our overdraft comes from our service provider, Advanced Payment Solutions, who market under the Cashplus brand. It is a reusable line of credit that is attached to your icount current account and is available as and when you need it*.

How do I apply for the i-draft overdraft facility with my icount card?

Keep an eye on your emails and the icount Members Area – we’ll send you a message with further instructions if the overdraft facility is available to you – some customers will not be eligible to apply for the overdraft facility.

Registering for the icount i-draft overdraft

Once you have received your email or message from icount confirming your eligibility for the overdraft, all you’ll need to do is login to your Members Area and click the “Overdraft” option on the left hand side of the screen.

Important information

Please note, you need to have a “Total Access” Account with us and be registered for the Members Area in order for you to get your Overdraft, as this is the only way to sign up for it.

If you’re not already registered, please visit the Members Area to ‘Register’. If you want an overdraft and haven’t applied for an icount, get one – you will receive your account details within minutes*

Remember to keep up with your payments as this could cause money problems. Please note: repaying late can cause financial problems. For independent advice, go to: Money Advice Service, Citizens Advice Bureau or StepChange.

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If you’re trying to improve your credit score, take a look at our guide to help you understand what a credit score is and how you could boost your score.

If you’re thinking about switching bank accounts, read all about the icount current account with prepaid card and how easy it is to switch your current account.


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If you’ve been refused a bank account, not to worry! Read our latest money guide to find out why a prepaid card is the best alternative to a bank account.

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Introducing i-draft – The icount cardholders arranged i-draft facility

Updated on 2018-08-20T12:16:55+01:00, by Alex Moss.