Bank Account Overdraft - Apply for an Overdraft - NatWest

Applying for a new overdraft

New Arranged Overdraft

Apply online in a few simple steps

Arranged overdrafts are only available to eligible customers with a NatWest current account, aged 18 or over.

What you should know

An arranged overdraft can cover your short term expenses

It's 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.

Get an instant decision if you bank with us online

Apply via online banking or the mobile app and we'll pre-fill your application for you, as well as let you know if you have been pre-approved for an overdraft.

If approved, your limit may be applied to your account the next working day 

If you apply Monday to Thurday before 5.30pm.  Apply anytime after this and it will take up to two working days.

Apply for an Arranged Overdraft Today

Please read your Current Account Terms and Our Lending Commitments before you apply online

Apply now for a New Arranged Overdraft Not registered for online banking or forgotten your 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.

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