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Overdrawn Accounts

Summary

Abstract

The Overdrawn Accounts dataset shows the proportion of current accounts that have two or more negative balance events in a rolling five-week period. It is aggregated by age band and ITL2 code to ensure privacy.

Keywords

Economic Wellbeing Consumer Aggregated Banking

Publisher

Documentation

Description

This dataset is a longitudinal view that looks at overdrawn accounts across different subgroups of current account holders. It is derived from banking transaction data from a major UK high street bank. The variable is an aggregate measure of the preceding five weeks. It is created by representing persistently overdrawn accounts as two or more negative balance events, counting the number of accounts that exceed this threshold.
  • Associated media
    • Not available
  • Is part of
    • Economic Wellbeing

Coverage

Spatial

  • Spatial coverage

    Scotland

  • Geographic levels
    ITL2

Temporal

  • Start date
    04/02/2024
  • End date
    30/03/2025
  • Frequency
    Irregular
  • Distribution release date
    Not available

Provenance

  • Purpose
    Administrative
  • Source
    Other
  • Collection situation
    UK banking data

Access and governance

  • Conditions of access
    Approval-based access

Requesting access to this data

This is a secure dataset that can only be accessed by researchers from approved organisations.

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Usage

  • Conditions of use
    Institutional approval
  • Resource creator
    Smart Data Foundry
  • Is referenced by
    Not available

Access

Format and standards

  • Language
    English
  • Format
    Not available

Enrichment and linkage

Synthetic data

Synthetic data is not yet available for this dataset. 

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