More answers to your upgrade questions!
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The only exceptions are ‘offline’ payments […] We can’t reject these, but we’ll let you know if they take your balance below zero. You’ll have until midnight to add money to your account, so you can avoid charges or any impact on your credit score.
Am I right in thinking that, if an offline payment goes through as an unauthorised overdraft, it’s the same rate as an authorised one (i.e. 50p a day) and, additionally, is the £20 buffer also permitted for these payments? Thanks.
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Correct
Also correct 
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Thank you 
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Is it possible to apply for a bigger overdraft?
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I’m still waiting to even be offered one 
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does the £20 buffer apply even if you don’t have an overdraft?
Yes it does 
@shizzle