Plum needs two bits of information in order to be able to use your overdraft for savings safely:

- Your full pre-authorised overdraft amount
- How much of this overdraft you'd like Plum to use for savings

It's important to note that if you tell Plum to use your overdraft for savings then it assumes that *you're okay with going into overdraft*, up to the amount you told it to use for savings. It will not save if your balance is below this amount. You are also liable for any overdraft fees that your bank may charge you.

**How much of my overdraft should I use?**

It depends on how you use your overdraft every month. For example, if you usually use half of your overdraft during a month then you should set this to around half. On the other hand, if you usually use your whole overdraft during the month then you should tell Plum to use your whole overdraft for savings as well.

**Can you give me an example?**

Most definitely. Let's say that you have a pre-authorised overdraft of £2000 but you usually use up to £1000 every month. You should tell Plum to use £1000 of your overdraft for savings as well. Plum will then do the following when it tries to save:

- If your balance is £400, Plum will save as if you have £1400 available.
- If your balance is £50, Plum will save as if you have £1050 available.
- If your balance is -£500, Plum will save as if you have £500 available.
- If your balance is -£900, Plum will realise that you're close to the limit and save a bit less.
- If your balance is -£1300, Plum will save zero.

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