Arranged overdrafts are only available to eligible customers with a Royal Bank of Scotland current account, aged 18 or over.
Considering an Arranged Overdraft?
An arranged overdraft is an overdraft that we’ve approved for you which is available on your current account. We’ll only charge you interest and/or fees if you actually use it.
Apply via online banking or the mobile app and we'll pre-fill your application for you, as well as let you know if you have been pre-approved for an overdraft.
If you apply Monday to Thurday before 5.30pm. Apply anytime after this and it will take up to two working days.
Use our borrowing needs tool to compare the features of different types of lending.
Compare my Borrowing Options