Overdraft calculator - NatWest

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  • To find out

    the type of current account you have, login to Digital Banking. On the Account Summary page, look for a button that says View Account Details.

  • Overdraft Control

    is a free service with the Select Account. It prevents payments going out of your account if it would create (or increase) an Unarranged Overdraft.

  • £
    Min: 0 Max: 25000
    £
    Min: 0 Max: 25000
    Click here

    to find out your overdraft limit.

  • Min: 1 Max: 31

    Find out how many days you are overdrawn in Digital Banking or contact us.

  • Account
    Select
  • Overdrawn amount £550
  • Arranged overdraft £500
  • Days in overdraft 5
Edit
  • £
    Min: 0 Max: 25000
  • £
    Min: 0 Max: 25000
  • Min: 1 Max: 31
Hide
Total cost
£37.75
  • Arranged overdraft
  • £6.00 monthly fee
  • £1.75 interest for5 days
  • Unarranged overdraft
  • £30.00 £6 each day for 5 days

Your charges are:

£6.58
  • Arranged overdraft
  • £6.00 monthly fee
  • £0.44 interest for36.00 days
  • Unarranged overdraft
  • £36.00 £6 each day for 6 days

With an increased Arranged Overdraft, this could be reduced to:

£6.58
  • Arranged overdraft
  • £6.00 monthly fee
  • £0.58 interest for6 days

You could save:

£35.86

per month by increasing your Arranged Overdraft

With an Unarranged overdraft, your charges are:

£6.58
  • Unarranged overdraft
  • £36.00 £6 each day for 6 days

With an Arranged overdraft, this could be reduced to:

£6.58
  • Arranged overdraft
  • £6 monthly fee
  • £0.44 interest for6 days

You could save:

£29.56

per month with Arranged Overdraft

Representative Example

If you have a Select Account with an arranged overdraft limit of £1,200 and you use all of this, you will be charged arranged overdraft interest at 19.89% EAR (variable) and a monthly Arranged Overdraft Usage Fee of £6.

Important Information

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

All costs shown are for illustrative purposes.

What Next?

Unfortunately you have gone over your overdraft limit, so you will be charged for an Arranged as well as an Unarranged Overdraft. Why not increase your overdraft limit? It is easy to do and can offer you greater financial flexibility.

Apply for an overdraft Get in touch
Get in touch

Call us on 0800 200 400. Minicom number 0800 917 0526.

Lines are open: Monday to Friday 8am-8pm, except public holidays, and Saturdays 9am-6pm. Calls may be recorded.

Manage your overdraft Start Again
When will I be charged? Emotional statement...

You pay overdraft fees 21 days after we issue your statement. For example, if your statement is issued on the 1st of the month you will be charged on the 22nd. This is the same day your account fees will go out. Please note: the charge might be higher if you’re overdrawn over 2 charging periods.

Your overdraft is in your hands

You might like to consider an Arranged Overdraft. It’s more convenient and can offer you greater financial flexibility.

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