Bank Account Overdraft - Apply for an Overdraft - NatWest



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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).

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).


Find out more about overdraft charges

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).


Find out more about overdraft charges

Have a Student or Graduate account?

How your information might be used

It’s important for you to understand how we use and share your information.  Please read this short summary before you continue with your application.

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