Change Your Overdraft | Overdrafts | NatWest International

Change your overdraft

Increase, decrease or cancel your overdraft limit

Change your overdraft Things to keep in mind

If you reduce or cancel your limit, you might go into unarranged overdraft which could be more expensive.

Overdraft fees
Arranged Overdraft Usage Fee £6 where arranged overdrafts are used by more than £10 per charging period One fee per charging period (£6)
Unarranged Overdraft Usage Fee £8 per day for unarranged overdrafts of more than £10 9 fees per charging period (£72)
Unpaid Transaction Fee £8 for each unpaid transaction 1 fee per charging period (£8)
How do I amend or cancel my overdraft?

How to increase your arranged overdraft limit

If you find that you’re getting pretty close to your overdraft limit every month, you might find it helpful to increase it.

 

As you are changing a form of debt, you will have to complete the online overdraft application form. Your application will take around 10 minutes.

 

  • When completing the form, please advise us what you want the overdraft limit to be, not the amount you want to increase the limit by

How to decrease your arranged overdraft limit

If you don’t need all of your limit, you can decrease it. Bear in mind, if you go over your limit, an unarranged overdraft could cost more.

 

As you are changing a form of debt, you will have to complete the online overdraft application form. Your application will take around 10 minutes.

 

  • When completing the form, please advise us what you want the overdraft limit to be, not the amount you want to decrease the limit by

How to cancel your arranged overdraft limit

If your overdraft sits there being idle and you don’t want it anymore, it’s simple to cancel.  Bear in mind, you won't be charged if you don't use your arranged overdraft.

 

As you are changing a form of debt, you will have to complete the online overdraft application form.

 

  • When completing the form, simply request a new arranged overdraft limit of £0
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