Bank Account Overdraft - Apply for an Overdraft - NatWest



No set up fees, no hidden costs

Applying for an Arranged Overdraft online

To apply you need to be:

18 or over, UK resident and have an eligible NatWest current account          (you cannot apply if you have a Foundation or Adapt account)

registered for online banking and know your login details

Haven't registered or don't know your online banking login?
Applying for an overdraft How to apply online

Online banking login

You need online banking login details to apply online

It's quick and easy and you could then use your online banking login to complete an Arranged Overdraft application.

Online Banking is available to those aged 11 and over who have a NatWest account. 

Mobile app user?

Use our mobile banking app and don't know your online banking login?

Completing the application form on our website should be the easier option, but you can apply through the app and we'll pre-populate your existing details to make it easier for you.

Once signed in, simply select the 'more' menu icon (top left for Android), followed by 'Products' to find out more and apply.

Important information


What is an Arranged Overdraft?

An Arranged Overdraft is a form of debt and is repayable on demand. Always make sure you have enough money in your current account, or a suitable Arranged Overdraft limit in place, before any payments are due to come out of your account. 

If you don't have the available funds for payments leaving your current account, they may be returned unpaid. If this happens there is an Unpaid Transaction Fee of £6 charged for each transaction we reject (Subject to a maximum of £60 per charging period).

What is an Unarranged Overdraft?

We recommend you avoid going in to an Unarranged Overdraft. This occurs when you spend more than you have in your current account without an Arranged Overdraft, or, where you go over your Arranged Overdraft limit.


If you enter an Unarranged Overdraft by more than £10, you will incur an Unarranged Overdraft Usage Fee of £6 for each day you remain in this position (Subject to a maximum of £90 per charging period).

Please read the terms and conditions for your account that relate to overdrafts

Your Current Account Terms

Have a Student or Graduate account?

Applying for a new Arranged Overdraft Ready to apply?
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