Yonder is a Debit-only account, meaning we do not offer an overdraft (rood staan) or a line of credit. However, in rare technical situations, your balance may drop below zero.
Why did this happen?
This usually occurs due to a "Delayed Transaction" or a "Force-Clear." Common scenarios in the Netherlands include:
Offline Terminals: If you use your card in a place with poor connectivity (like on an airplane or occasionally at a parking garage), the merchant may process the payment "offline" and send the data to us later.
Final Adjustments: Some merchants (like hotels or car rentals) may initially reserve a small amount and later "force-clear" a higher final amount that exceeds your available balance.
Subscription Fees: If a recurring subscription (like Netflix) is charged when your balance is empty.
What should I do?
If your balance becomes negative, you will receive a notification in the Yonder app.
Top up immediately: You must add funds to your Yonder account via SEPA Instant to bring your balance back to at least €0,00.
Account Restrictions: While your balance is negative, you will be unable to make any new purchases or withdraw cash.
Important to know
No Interest: Unlike a traditional Dutch bank overdraft, we do not charge interest on a negative balance. However, the amount is still a debt that must be settled.
Collection: If your account remains negative for an extended period, we may be required to start a collection process as outlined in our Terms and Conditions. This could involve an external agency and may incur additional costs (incassokosten).
Closing the Account: You cannot close your Yonder account while it has a negative balance.