Change your existing Overdraft

You can apply to
increase, decrease or remove your overdraft limit

Changing your overdraft limit won’t take long

We know your borrowing needs can change over time. 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 remember…

If you reduce it too much or cancel, you might go into an Unarranged Overdraft. Here’s an example of charges for an Unarranged Overdraft over £10
We won't charge you more than £80 in a monthly charging period for an unarranged overdraft or any unpaid transactions.

Helpful tips when changing your overdraft online

How to change your overdraft

Treat it as a new application

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.

Tell us the new amount you want

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 online

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 on weekdays and between 6.30am and 9.55pm on weekends.

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 meet these requirements

  • You're aged 18+
  • You're living in the UK
  • You've not been declared bankrupt over the past 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

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.

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 meet these requirements

  • You're aged 18+
  • You're living in the UK
  • You've not been declared bankrupt over the past 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

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.

Are you ready to continue?

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

To apply online, you must meet these requirements

  • You're aged 18+
  • You're living in the UK
  • You've not been declared bankrupt over the past 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

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.

Are you ready to continue?

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

Do you have Royal Bank digital banking?

Great! Before you continue . . .

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.

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.