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A short-term safety net for those unexpected bills

Representative 39.49% APR (variable)

New arranged overdraft

f you’ve got an arranged overdraft limit on your UBR account that you feel is too low or too high, we’ll show you how to increase, reduce or remove your overdraft limit.

Available to eligible UBR Graduate account customer, aged 18+ and who live in the UK. Subject to lending criteria.

Graduate arranged overdraft

A short-term safety net for your current account
  • You only pay interest if you use it. No fees
  • Get an instant decision if you bank online with us
  • Quick access to funds

Why chance it?

Use our eligibility checker to find out whether you’re likely to be accepted before you apply. It just takes a few minutes and it won't impact your credit score.

Available to NatWest Student current account customers, aged 18+ who've lived in the UK 3+ years. Subject to lending criteria.

Student arranged overdraft

Could be helpful if you're living 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

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

Fast access to funds

Arranged overdrafts
  • If your overdraft is approved, it'll normally be available the next working day, but there are some exceptions to be aware of
  • Get handy text alerts to help you stay on top
  • Applying through Online Banking takes around 5 minutes
  • We fill out the info we already know about you to make things easier

An arranged overdraft allows you to go overdrawn up to an agreed limit. This type of borrowing can help if pay-day is a long way off or you're a bit short of cash.

All okay? You're nearly ready to start.

We need to do a few final checks with you. They'll only take a minute. 

Do you have Online Banking?

Get off to a fast start

Why not let us do the saving for you? Tell us you’d like a regular payment or an instant transfer to your new savings account in your application, and we’ll do it automatically for you – that’s one less thing to think about. It’s a great habit to start.

Once completed, you’ll be provided with the details of our team who can support you and help you come to an arrangement best suited to your circumstances.

Great News

Just a heads up – you’ll need your online banking log in details at the next step.

Service status

New arranged overdraft

f you’ve got an arranged overdraft limit on your UBR account that you feel is too low or too high, we’ll show you how to increase, reduce or remove your overdraft limit.

Available to eligible UBR Graduate account customer, aged 18+ and who live in the UK. Subject to lending criteria.

Student Graduate Overdraft

I need a travel money refund

For information on how to get a refund on travel money orders, please visit our travel money page where you will find a step by step guide to help you get your money back.

f your holiday or flight has been cancelled, please get in touch with your travel provider in the first instance as we can only dispute the payment after the travel date has passed and the travel provider is unable to assist you.

Coronavirus travel advice

We've pulled together a range of commonly asked questions and answers to help you during this difficult time.

Travel advice during the coronavirus outbreak Help when travelling abroad

Yes, you can. However, it's important to be aware of any fees associated with making purchases or withdrawing money from an ATM. Check out our tips below for using your debit card abroad.

In the mobile app Enter the details of your trip in the 'Manage my card' section of the mobile app.

App available to customers aged 11+ with compatible iOS and Android devices and a UK or international mobile number in specific countries. 

reward credit card

Depending on your account type, you may be charged Non-Sterling Transaction Fees for using your debit card abroad. Select your account to find out more.

Platinum credit card Silver account

You can register one trip at a time. It can include up to seven countries and last 90 days. Register each country you are visiting. The marker will apply to all debit cards in your name. Joint account holders should register separately. 

Balance Transfer credit card

Good for - no fee to transfer a balance
  • 0% for 20 months from account opening on balance transfers made within the first 3 months, after which standard rates apply
  • No fees to transfer a balance to this credit card
  • 0% on purchases for 3 months from account opening, thereafter standard rates apply

To apply, you must hold a current account, savings account, credit card or mortgage with NatWest, be a UK resident, aged 18+ and earning at least £10K per year

Representative example
19.9% p.a. (variable)
19.9% (variable)
£1200 Your assumed credit card limit
£0 Yayy!!! No annual fee

Your actual credit limit and APR may vary depending on our credit assessment of you.

Paying too much credit card interest?