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How do I apply for an overdraft?

You can apply to increase or decrease your existing overdraft limit or apply for a new overdraft using the online application (opens in a new window).

For help with costs for arranged or unarranged borrowing using our overdraft calculator (opens in a new window).

If you are an Online Banking customer and complete the form using your log in details, we complete many of the fields for you. All you need to do is specify the overdraft that you wish to apply for (this is the new full amount not just the increased or decreased amount).

If your request has been successful, we will then confirm our decision and apply the new overdraft limit within 48 hours.

You can contact us or visit your local branch to discuss your overdraft requirements.

Telephone banking
Personal customers - 03457 888444 (Overseas +44 3457 888444)
Business customers - 03457 114477 (Overseas +44 3457 114477)
Minicom: 0800 404 6161
Open 24 hours a day.
Calls may be recorded.
Call charge information.

Please have your Customer Number and PIN ready as this will enable your call to be answered faster and more securely. These are the same details you use to log in to Online Banking.

NatWest branch locator
Find your nearest branch using our branch locator (opens in a new window).