Bank Account Overdraft - Apply for an Overdraft - Royal Bank of Scotland

Couple applying for a new arranged overdraft

New Arranged Overdraft

Apply online in a few simple steps

Arranged overdrafts are only available to eligible customers with a Royal Bank of Scotland current account, UK residents aged 18 or over.

What you should know

An arranged overdraft can cover your short term expenses

It's 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.

Get an instant decision if you bank with us online

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 approved, your limit may be applied to your account the next working day 

If you apply Monday to Thurday before 5.30pm.  Apply anytime after this and it will take up to two working days.

Have your statements at your fingertips


We'll send you an email when your statements are ready to view in Digital Banking. You can check it whenever you want.


How your information might be used

It’s important for you to understand how we use and share your information.  Please read this short summary before you continue with your application.

Apply for an Arranged Overdraft Today

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