New Arranged Overdraft

An Overdraft for those just-in-case moments

It’s like having a safety net on your current account

Interest-free buffer depending on the current account you have

Only pay interest and fees if you use it

Could be ideal to cover your short term expense

Overdraft details


Only pay interest and fees if you use it

If you don’t use it, you won’t be charged. Simple as that.

Get an interest-free buffer

If you have an Arranged Overdraft with us and you stay within the buffer, you won’t pay any interest or fees.

Have your overdraft the next working day

If we approve you for an Arranged Overdraft, your limit could be applied to your account as soon as the next working day.


You could get Overdraft Control

Overdraft Control is a free service for Select account customers, which can help you avoid going into an Unarranged Overdraft.

Have your statements at your fingertips

We'll send you an email when your statements are ready to view in Online Banking. You can check it whenever you want.

Set up text alerts

You can set up free text alerts and get notifications when your balance goes above or below a certain limit. We can also let you know if you're about to slip into an Unarranged Overdraft.

More info

How an Arranged Overdraft could help

If payday is still a long way off and you’re getting a bit short of cash, that’s where our Arranged Overdraft could help.

Unarranged Overdraft

An Unarranged Overdraft is when you spend more money than you have in your account and you haven’t previously arranged an overdraft limit with us.

What might your Overdraft cost?

How to set up an overdraft

What you'll need

You'll need your Online Banking Log in details, your address history from the last 3 years and info about your income and outgoings.

How long will it take

The application takes about 5 minutes and you'll know if you've been accepted or not straight away.

Your overdraft limit

If your Overdraft is approved Mon – Thur before 5.30pm, it will be available the next working day. Anytime after this - up to 2 working days.

Ready? Let's get started

Our online application is available between 6.30am and 9.45pm on weekdays and between 6.30am and 9.55pm on weekends.

Do you have a NatWest current account?

To apply online, you must meet these requirements

  • You're aged 18+
  • You're living in the UK 
  • You've not been declared bankrupt over the past 6 years

Important Information

Please take some time to review, print and/or save the important information. By clicking that you're ready to continue, you are confirming that you have been provided with, and acknowledge our important documents. You also agree that you’ll receive your statements in a paperless format. We'll send you an email when your statements are ready to view in Online Banking.

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.

Are you ready to continue?

Do you have Online Banking?

Great! Looks like you're all set and ready to go.

Just a heads up - we'll ask you to log in to your Online Banking at the next step.

To apply for an Arranged Overdraft online you need to be registered for Online Banking.

Our Arranged Overdraft is for customers who already have one of our current accounts. Want to look at our account range?