Can I be overdrawn or pay agios?

You can only make a payment if your account balance is sufficient. This means you can never incur Agios (overdraft charges), as you cannot spend more than you have in your account. 

Exceptional overdraft situations: 

In exceptional circumstances, Nickel may be obliged to settle a transaction for an amount greater than your account balance: 
 

• A merchant has forced an unauthorised transaction on your account. In this case, of course, you can take legal action against the merchant.
• You have made a transaction on an offline payment terminal: this can happen on planes, boats or trains, but the amount cannot exceed €20 per month.
• You have made a payment but the merchant has not sent confirmation of the transaction within 7 days: in this case, we will refund the amount. And if the merchant subsequently sends us confirmation, we will proceed with the payment, regardless of the amount of your balance.
• You have made a payment abroad in a currency other than the euro: the exchange rate may change between the time the payment is authorised and the time the debit is made. 

However, if your account is in debit - which is very rare, we assure you! - you are invited to fund your account immediately so that your balance returns to positive or 0.

We also encourage you to top up your account sufficiently to be able to pay your direct debits (internet box, electricity, etc.). If your balance is insufficient, the direct debit will be rejected and rejection charges will apply.