An overdraft is the money you owe the bank because you spent more than you had in your account. In simple terms: your balance went below zero, and the bank let the payment go through anyway — so now you owe them that extra amount.

An overdraft透支 is the money you owe the bank指的是你欠銀行的錢 because you spent more than you had in your account因為你花的比帳戶裡的還多 In simple terms簡單說 your balance went below zero你的餘額變成負的 and the bank let the payment go through anyway但銀行還是讓這筆款項過了 so now you owe them that extra amount所以你現在欠他們那多出來的金額

Some banks agree to an overdraft first and set a limit. If they did not agree, they may still charge you, or they may stop the payment; that depends on the bank and the country.

Some banks agree to an overdraft first有些銀行會事先同意透支 and set a limit並設一個額度上限 If they did not agree如果銀行沒有事先同意 they may still charge you他們可能還是會收你費用 or they may stop the payment或是直接把這筆款項擋下來 that depends on the bank and the country這要看銀行和國家而定

This is everyday money English, a little official when you talk to the bank.

This is everyday money English這是日常理財會用到的英文 a little official when you talk to the bank跟銀行講話時會稍微正式一點

Though actually, people also say 'I went into overdraft' meaning the state, not only the number on the letter. The overdraft is the amount (or the bank's permission to go below zero). Being overdrawn is how the account looks.

Though actually不過實際上 people also say大家也會說 'I went into overdraft'「陷入透支」 meaning the state指的是一種狀態 not only the number on the letter不只是信上那個數字 The overdraft is the amount透支指的是那個金額 or the bank's permission to go below zero或是銀行允許你把餘額變成負數的那個許可 Being overdrawn帳戶處於透支狀態 is how the account looks指的是帳戶當下呈現的樣子