Giving you peace of mind with your banking

Arranged overdraft

A short-term safety net for your current account

  • You only pay interest and fees if you use it
  • Could be an interest-free buffer, depending on the current account you have
  • Instant decision with online banking

Change your overdraft limit

You can easily change your overdraft limit to suit your needs. Whether it’s too high or too low you can get an instant decision by applying online.

You can also request that your overdraft be completely removed if you don't want it anymore. Bear in mind, you won't be charged if you don't use your arranged overdraft.

You'll need to follow the application journey below to confirm your choices.

Student and graduate overdrafts

Student arranged overdraft

Could be helpful if you’re on a tight budget

  • Interest-free overdraft up to £2,000 (£500 in first term)
  • Get an instant decision if you bank online with us
Information Message

Graduate arranged overdraft

A little help when you enter the world of work

  • Interest free overdraft up to £2,000 (for your first year)
  • May be ideal for short-term borrowing
Information Message

Arranged overdraft interest rates

Choose your account or overdraft type below and you’ll see the rates applicable to an arranged overdraft.
Arranged overdraft interest is calculated on a daily basis and charged monthly.

Common questions about overdrafts

Apply for an overdraft online

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

You can apply for an overdraft if you are:

  • Aged 18+, and;
  • An existing NatWest International bank current account or student account holder, and;
  • Permanently resident in Jersey, Guernsey, Gibraltar or Isle of Man.

Please review our important information

By clicking continue you’re confirming that you’ve been provided with, and have acknowledged our important documents.

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.

Let's get started...

To speed up your application for an arranged overdraft, we need to run through some quick questions with you. They'll only take a few minutes.

Do you have a NatWest International current account?
Please tell us if you have a NatWest International current account or student account.
Do you use online banking?
To apply for an Arranged Overdraft online you must be registered for online banking.
What do you want to do today?
Please tell us if you want to apply for a new Arranged Overdraft, or change or remove and existing Arranged Overdraft.

Great, looks like you're all set and ready to go!

We'll ask you to log in to online banking at the next step.

Great, looks like you're all set and ready to go!

We'll ask you to log in to online banking at the next step.

As part of your application you'll be asked to input your new Arranged Overdraft limit:

  • If changing your Arranged Overdraft, please tell us what you want your total overdraft limit to be.
  • If removing your Arranged Overdraft, please input '0' to remove your existing limit.

Register for online banking before you apply

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

If you have your debit card to hand you can register today.

You need to have an account with us...

Our Arranged Overdraft is only available to existing NatWest International customers who already have one of our eligible current accounts.