Changing or removing your Arranged Overdraft

Get help if you need to increase, decrease or remove your Arranged Overdraft

Arranged Overdrafts are only available to eligible customers with a NatWest current account, aged 18 or over.

Changing or removing your Arranged Overdraft

It's free to change or remove your Arranged Overdraft

Increasing, decreasing or removing your Arranged Overdraft doesn't cost anything.

If you are increasing or decreasing your Arranged Overdraft, it's important that you know how overdraft costs are calculated, as the cost can depend on how much of your Arranged Overdraft you use, the time you use it for and also the current account you have.

By using our Overdraft Cost Calculator you can find out what it may cost you when you use your Arranged Overdraft in different ways. 

Use our Overdraft Cost Calculator 

NatWest Overdrafts

Important information

An Arranged Overdraft is a form of debt and is repayable on demand. Always make sure you have enough money in your current account, or a suitable Arranged Overdraft limit in place, before any payments are due to come out of your account. 

If you don't have the available funds for payments leaving your current account, they may be returned unpaid. If this happens there is an Unpaid Transaction Fee of £6 charged for each transaction we reject (Subject to a maximum of £60 per charging period). 

Unarranged Overdrafts

We recommend you avoid going in to an Unarranged Overdraft. This occurs when you spend more than you have in your current account without an Arranged Overdraft, or, where you go over your Arranged Overdraft limit.

If you enter an Unarranged Overdraft by more than £10, you will incur an Unarranged Overdraft Usage Fee of £6 for each day you remain in this position (Subject to a maximum of £90 per charging period).

Learn more about overdraft charges


NatWest Personal & Private Current Account Terms; Personal & Private Current Account Fees & Interest Rates;  Helping you get the most from your Personal NatWest Current Account (PDF, 1MB)

Changing or removing your Arranged Overdraft

What would you like to do?

We're really sorry but you can only start an application for a new Arranged Overdraft, or request changes to an existing Arranged Overdraft, between 6.00am and 7.50pm on weekdays and 6.00am and 9.50pm at weekends.

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