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Arranged Overdrafts

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arranged overdrafts

New Arranged Overdraft

When you need a bit of 'wriggle room' until payday

You only pay interest and fees if you use it

Interest-free buffer depending on the current account you have

Get an instant decision if you bank online with us

Available to eligible Royal Bank of Scotland current account customers, UK residents aged 18 or over. Subject to lending criteria.

Change your existing overdraft

If you already have an arranged overdraft on your Royal Bank of Scotland current account, we'll show you how to increase, reduce or remove your limit. 

Student and Graduate Arranged Overdrafts

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

Available to eligible Royal Bank of Scotland student current account customers, aged 18 or over, who've lived in the UK 3+ years. Subject to lending criteria.

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

Available to eligible Royal Bank of Scotland Graduate current account customers, UK residents aged 18 or over. Subject to lending criteria.

Tools to help you

Check your chances before applying

Give our eligibility tool a try and find out if you're likely to be approved for an overdraft. It can give you an idea of your potential overdraft limit and representative APR.  It takes just a few minutes and it won't harm your credit rating. 

Find out how much you're likely to pay

Why not use our overdraft cost calculator to see what an overdraft could cost you based on your circumstances? The great news is it won't impact your credit rating.

Things to know about overdrafts

Something else we can help you with?