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Overdraft Eligibility Tool

Tell us a bit about you

Your name as it appears on your passport or driving licence
Please enter your first name.
Please enter your last name.
Please enter your date of birth.

Your address

Please enter a flat number.
Please enter a house or building name.
Please enter a house or building number.
Please enter a street name.
Please enter a city or town name
Please enter a valid UK post code e.g. EC1A ABB or NE33 1HF
Please confirm whether you've lived in your current address for more than 3 years.
Please enter a flat number.
Please enter a house or building name.
Please enter a house or building number.
Please enter a street name.
Please enter a town or city name
Please enter a valid UK post code e.g. EC1A ABB or NE33 1HF
Please confirm whether you own or rent your property.

Your finances

Now we just need a few financial details from you

As you changed your work status to ‘student’, that means you could be eligible for an overdraft between £250 to £2,000 (it’s £500 for your first term).

To check your eligibility, we’ll need you to update your ideal overdraft amount in step 4.

Great, thank you.

As you're a student, we don't need to know more about your finances just yet.

As you changed your work status to ‘graduate’, that means you could be eligible for an overdraft between £250 to £2,000.

To check your eligibility, we’ll need you to update your ideal overdraft amount in step 4.

Great, thank you.

As you're a graduate, we don't need to know more about your finances just yet.

Income

Please confirm your monthly take home pay

Outgoings

Please confirm whether you share your monthly mortgage or rent payments.

If you live with your parents, please select 'no'.

Please confirm your monthly share of the rent or mortgage payment.
Please confirm how much you pay towards the rent/mortgage each month.
Please confirm whether you expect your income to reduce in the next 2 years.
Please provide an estimate of what you'd expect your monthly 'take home pay' to be.
Please choose an option below to continue
  • Nursery, school, college, or university fees (for yourself or others)
  • Dependants who don’t live with you
  • Maintenance costs to support a previous partner
  • Property service charges on top of your mortgage or rent
  • Lending repayments that have not yet started
Please confirm the total monthly cost of these payments.

A dependant is someone you support financially – they can be under or over 18.

Overdraft Amount

Think about how much you actually need, and what you’d use an overdraft for.
Please confirm your ideal overdraft amount.
This eligibility checker just looks at overdrafts between £250 and £2,000. If you decide to apply, you might be offered more – or less.
Please enter your ideal overdraft amount.
This eligibility checker just looks at overdrafts between £250 and £2,000. If you decide to apply, you might be offered more – or less.
Please enter your ideal overdraft amount.
This eligibility tool just looks at overdrafts between £250 and £5,000. If you decide to apply, you might be offered more – or less. If you need an overdraft of more than £5,000, please contact us.

Final check

Check again

Please take a moment to make sure all your details are correct.
Check your details once again. Sometimes spelling mistakes are the reason why you couldn't match your details.

A reminder

Your overdraft eligibility result is an estimate. It's based on the information you give us, along with the soft credit check result.

Checking you're real

We need to make sure you're a real person. Read or listen to the 5 digits and enter them in the box below. All alphabetic characters are in lower case.
To continue, please enter the code above
If you're not sure what's wrong, you can start again

One Moment

We're just running a soft credit check - you'll get your result soon

Good news!

Based on the information you gave us, it looks likely that you could get an overdraft of: 

 

 

${resultdynamicamount}

It’s worth remembering

What’s next?

Banking with us?

You can log in to Online Banking to apply for an overdraft. Alternatively, you can register now, or head to your nearest branch.

icon-pbm-premier-berry Created with Sketch.

New customer?

You'll need a NatWest bank account to have an overdraft with us. Compare our accounts to find one that's right for you.

What’s next?

Banking with us?

You can log in to Online Banking to apply for an overdraft. Alternatively, you can register now, or head to your nearest branch.

icon-pbm-premier-berry Created with Sketch.

New customer - Student or Graduate?

You'll need a NatWest account to have an overdraft with us. Compare our accounts to find one that's right for you.

Want to try a different amount?

You can change your ideal overdraft amount and recalculate your eligibility.

It looks like you're eligible...

Based on the information you gave us, it looks likely that you could get an overdraft of: 

 

 

${resultdynamicamount} 

Your ideal amount was ${resultidealamount}

It's worth remembering

What's next?

Banking with us?

You can log in to Online Banking to apply for an overdraft. Alternatively, you can register now, or head to your nearest branch.

icon-pbm-premier-berry Created with Sketch.

New customer?

You'll need a NatWest bank account to have an overdraft with us. Compare our accounts to find one that's right for you.

Want to try a different amount?

Banking with us?

You can log in to Online Banking to apply for an overdraft. Alternatively, you can register now, or head to your nearest branch.

icon-pbm-premier-berry Created with Sketch.

New customer - Student or Graduate?

You'll need a NatWest bank account to have an overdraft with us. Compare our accounts to find one that's right for you.

Want to try a different amount?

You can change your ideal overdraft amount and recalculate your eligibility.

We couldn't match your details

We’re sorry. We tried running a soft credit check, but we couldn’t match your details with our data.

Unfortunately, it means we can’t tell if you’d be eligible – so we’re unlikely to offer you an overdraft right now.

 

Here are some typical reasons why:

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Try again

You can check when you entered and update your details.

We're sorry

We’ve looked at the details you provided, and we’ve checked them against our lending criteria.

It doesn’t look like you’re eligible right now – so we’re unlikely to offer you an overdraft.

 

Here are some typical reasons why:

What's next?

If you'd like to check your credit score, you can use these credit reference agencies:

Experian

Equifax

TransUnion

What's a credit check?

Read this to better understand what criteria is included in a credit check.

What to try a different amount?

You can chage your ideal overdraft amount and recalculate your eligibility.

Other tools

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Overdraft cost calculator

Use this calculator to see how an arranged overdraft could help save you money versus an unarranged overdraft - and how much it could cost

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