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Increase Overdraft

Overdraft limit
no longer right for you?

We understand circumstances can change

If you’ve got an overdraft limit that you feel is too low or the limit is no longer right for you, we’ll show you how to increase it.

Things to keep in mind...

  • Increasing your limit often - this is recorded on your credit file and could affect your ability to get credit in the future, so bear that in mind
  • Our decision - we base our decision on your individual circumstances, by looking at a variey of factors like; your income, your credit score, how you use your current account with us, your employment and marital status, and whether you have dependents

Tools to help you out

See if you'll be accepted before you apply

Have a shot of our eligibility checker tool, which will help you understand if you’ll be accepted for an overdraft before you start an application. It only takes a couple of minutes and it won’t harm your credit rating.

Find out how much you'll pay in interest

Our cost calculator allows you to see how much interest you’ll pay based on how much you plan to borrow, and how regularly you want to use it.

How to increase your Arranged Overdraft limit

Treat it as a new application

Use the ‘Ready to increase’ section. As you’re changing a form of debt, we have to go through a formal process.

Tell us the new amount you want

Please tell us what you want your overdraft limit to be, not the amount you want to increase it by.

Submit your application online

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

Ready to increase?

Our online application is available between 6.30am and 9.45pm

Let's get started. Are you a ...

Changing an Arranged Overdraft is for customers who already have one of our current accounts. Want to look at our account range?

What kind of current account do you have with us?

Do you have Royal Bank digital banking?

To apply for an Arranged Overdraft 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've been living in the UK for at least 3 years
  • 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 apply for an Arranged Overdraft 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've been living in the UK for at least 3 years
  • 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.

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've been living in the UK for at least 3 years
  • 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.