Overdraft apply | NatWest International

Apply for an Overdraft

Your application today will take around 10 minutes. 

In most cases we'll be able to give you a decision instantly but sometimes we'll need a bit more information to confirm your identity and validate your income.

If we need more information we’ll post you an application pack that details the next steps. Once received, you can take the requested documents into any of our branches or return them, along with the signed application form, in the prepaid envelope provided.


To apply for an overdraft online you'll need to...

  • Be aged 18 or over
  • Be resident in the Channel Islands, Isle of Man or Gibraltar
  • Currently hold a Gold, Select or Student account with us
  • Be registered for our Online Banking service


During the application we'll ask you for...

Do you reside in the United Kingdom or elsewhere outside of the Channel Islands, Isle of Man or Gibraltar?

  • Although you can't currently submit an application online, you can still apply for an overdraft. Simply give us a call on +44 (0) 1534 282300 and we'd be happy to guide you through the application process. More about international customers

Important information before you apply

The following terms and fees apply to our personal bank accounts. We also encourage you to read our privacy notice summary for information on how we use your information and your rights.

Do you already bank with us?

You can apply online if you're registered for Online Banking. You'll be asked to log in before starting your application.

If you are not registered for Online Banking, and want to apply for an overdraft today, please visit your branch or call us. Alternatively, you can find out more about how to register for Online Banking here.

Set Tab for lightbox