Student Arranged Overdraft

A little breathing space if
you're living on a tight
budget

Student life isn't exactly easy, so this could help

Interest-free overdraft up to £2,000 (£500 in first term)
Get an instant decision if you bank online with us
Ideal for short-term borrowing

Useful info about a Student Arranged Overdraft

How to apply online

What you'll need

You’ll need your Digital Banking Log in details and your address history from the last 3 years.

How long will it take

The application takes about 5 minutes and you'll know if you've been accepted or not straight away.

Your overdraft limit

If your Overdraft is approved Mon – Thur before 5.30pm, it will be available the next working day. Anytime after this - up to 2 working days.

Ready to apply?

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

Do you have a UK Student bank account with us?

Do you have Royal Bank 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. You also agree that you’ll receive your statements in a paperless format. We'll send you an email when your statements are ready to view in Digital Banking.

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 for a Student Overdraft online you need to be registered for Digital Banking

Our Student Overdraft is only for customers who have our UK Student bank accounts. Want to take a look?

Our Student Overdraft is only for customers who have our UK Student bank accounts. Want to take a look?