Version: 1.0.1 | Published: 1 Sep 2025 | Updated: 14 days ago
Overdrawn Accounts
Dataset
Summary
Citation:
CITATION INCOMPLETE
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.
Is Part Of:
Economic Wellbeing
Coverage
Spatial
Spatial Coverage:
Scotland
Geographical Levels:
ITL2
Temporal
Start Date:
04 February 2024
End Date:
30 March 2025
Frequency:
Irregular
Provenance
Source:
Other
Purpose:
Administrative
Collection Situation:
UK banking data
Access and Governance
Usage
Condition of Access:
Approval-based access
Condition of Use:
Institutional approval
Resource Creator:
Smart Data Foundry
Access
Access Service:
This dataset is available to download from the Smart Data Foundry data catalogue.
Jurisdictions:
GB-SCT
Data Controller:
Smart Data Foundry
Access Request Cost:
Not Applicable
Data Processor:
Not Applicable
Format and Standards
Languages:
en
Enrichment and Linkage
Related Datasets:
Low Emergency Resilience; Living Beyond Means
Linkage Opportunity:
Linkable via cid variable