Business overdraft

Protect your business with a financial cushion

About our business overdraft

Apply for an overdraft on your business account so you can be secure in the knowledge that any unexpected financial burdens will be covered in a flexible safety net. You won’t be charged any interest if you don’t use your agreed limit and you can access the money any time within the overdraft limit. 

  • Pay interest only on the amount you borrow
  • No set minimum to pay back each month
  • Ideal for unexpected bills or emergencies 

Security may be required. Product fees may apply. Over 18s only. Subject to status, business use only.

Overdraft details

Flexible monthly payments

No set minimum payments

Manage your overdraft by paying as much or as little as you want every month with the peace of mind in knowing there is no set minimum payment.

Boost and manage cashflow

Boost cashflow for unexpected costs

An overdraft is there when you need it, for the unexpected moments and if you don’t use it then you don’t pay any interest.

What fees and rates apply to overdrafts?

If you apply for a limit of up to £500, you will pay an arrangement fee of £50 and a variable interest rate. For overdrafts between £501 - £1,500, you will pay an arrangement fee of £100 and for overdrafts above £1,500, an arrangement fee of 1.5% or a minimum £150 fee is applied. All other fee’s including interest rates will be made available to you when completing your applications. The interest rate for an overdraft will be specifically catered for your business and you will be informed of this prior to completing your application. Security may be required.

Common questions about Business Overdrafts

Ready to apply?

Before you apply, we've outlined the eligibility for the Business Overdraft service below, along with our terms and conditions so you can make sure it's the right option for you.

You can apply for a Business Overdraft if you are:

  • aged 18+, and;
  • permanently resident in the Channel Islands, Gibraltar or Isle of Man and;
  • your business is registered in the Channel Islands, Gibraltar or Isle of Man and;
  • an existing NatWest International Business Account holder.

How to get in touch

Created with Sketch.

Call us

01534 282961

01481 703845

Isle of Man
01624 697741

200 14400

Lines are open Monday to Tuesday 9am - 5pm, Wednesday 10am - 5pm and Thursday to Friday 9am - 5pm (except public holidays). Calls may be recorded.

Created with Sketch.

Visit your nearest branch

Find where your nearest branch is located and speak to a member of staff about how we can help you. 

Something else we can help you with today?