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Change your existing overdraft

Change your
Arranged Overdraft limit

Changing your overdraft limit won’t take long

If you’ve got an Arranged Overdraft limit on your account that you feel is too low or too high, we’ll show you how to change it.

Things to keep in mind

If you reduce it too much or cancel, you might go into an Unarranged Overdraft. Here’s an example of Unarranged Overdraft costs.
You can also use our Cost calculator to see how much an arranged or unarranged overdraft will cost based on your circumstances.

Tips to help you change your overdraft limit online

How to change your overdraft

Check your personal details

As you’re changing a form of debt, we have to go through an application form. We'll ask you to review your personal details first.

Confirm your new limit

Please tell us what you want your new overdraft limit to be. If you're increasing your limit the request will be subject to a credit assessment.

Submit your application

Apply online using the section below. Once you’ve submitted it, we’ll action it as soon as we can.

Ready to start?

Our online application is available between 6.30am and 9.45pm.

What would you like to do today?

What kind of current account do you have with us?

Do you have Royal Bank digital banking?

To increase your Arranged Overdraft limit online you need to be registered for Digital Banking.

Great! As we already know a bit about you, applying should be straightforward. Now for the important legal stuff.

To apply online, you must:

  • Be aged 18+ and living in the UK
  • Have not been declared bankrupt in the last 6 years

Important Information

Please take some time to review, print and/or save the important information. By clicking that you're ready to continue, you are confirming that you have been provided with, and acknowledge our important documents

Are you ready to continue?

Great! Looks like you're all set and ready to go.

Do you have Royal Bank digital banking?

To increase your Arranged Overdraft limit online you need to be registered for Digital Banking.

Great! As we already know a bit about you, applying should be straightforward. Now for the important legal stuff.

To apply online, you must:

  • Be aged 18+ and living in the UK
  • Have not been declared bankrupt in the last 6 years

Important Information

Please take some time to review, print and/or save the important information. By clicking that you're ready to continue, you are confirming that you have been provided with, and acknowledge our important documents

Are you ready to continue?

Great! Looks like you're all set and ready to go.

To apply online, you must:

  • Be aged 18+ and living in the UK
  • Have not been declared bankrupt in the last 6 years
  • Have read our pricing changes information

Important Information

Please take some time to review, print and/or save the important information. By clicking that you're ready to continue, you are confirming that you have been provided with, and acknowledge our important documents

Are you ready to continue?

Great! Looks like you're all set and ready to go.

Do you have Royal Bank digital banking?

Looks like you're all set. Let's get going

To decrease your Arranged Overdraft online you need to be registered for Digital Banking.

Do you have Royal Bank digital banking?

Great! Looks like you're all set and ready to go.

To decrease your Arranged Overdraft online you need to be registered for Digital Banking.