Arranged overdrafts

Compare our overdrafts

New arranged overdraft

A short-term safety net for your current account
  • You only pay interest if you use it. No fees
  • Get an instant decision if you bank online with us
  • Quick access to funds

Representative 39.49% APR (variable) 

Available to eligible NatWest current account customers, UK residents aged 18 or over. Subject to lending criteria.

Why chance it?

Use our eligibility checker to find out whether you’re likely to be accepted before you apply. It just takes a few minutes and it won't impact your credit score.

Change your existing overdraft

If you’ve got an arranged overdraft limit on your NatWest account that you feel is too low or too high, we’ll show you how to increase, reduce or remove your overdraft limit. 

Student and Graduate arranged overdrafts

Student arranged overdraft

Could be helpful if you're living on a tight budget
  • Interest-free overdraft up to £2,000 (£500 in first term)
  • Get an instant decision if you bank online with us

Available to NatWest Student current account customers, aged 18+ who've lived in the UK 3+ years. Subject to lending criteria.

Graduate arranged overdraft

A little help when you enter the world of work
  • Interest-free overdraft up to £2,000 for your first year
  • May be ideal for short-term borrowing

Available to eligible NatWest Graduate account customers, aged 18+ and who live in the UK. Subject to lending criteria.

Useful information about overdrafts

Tools to help you

Check your chances of being accepted before applying

Give our eligibility tool a try to find out if you're likely to be accepted for an overdraft. It can give you an idea of your potential overdraft limit and representative APR. It takes just a few minutes and won't harm your credit rating.

Find out how much interest you're likely to pay

Why not use our overdraft cost calculator to see what an overdraft would cost you based on your circumstances? The great news is, it won't harm your credit rating.

Something else we can help you with?