Overdraft Eligibility Tool
One Moment
Good news!
Based on the information you gave us, it looks likely that you could get an overdraft of:
${resultdynamicamount}
It’s worth remembering
This is just an estimated overdraft result. Your eligibility and overdraft amount may change if you decide to apply.
What’s next?
Banking with us?
You can log in to Online Banking to apply for an overdraft. Alternatively, you can register now, or head to your nearest branch.
New customer?
You'll need a NatWest bank account to have an overdraft with us. Compare our accounts to find one that's right for you.
What’s next?
Banking with us?
You can log in to Online Banking to apply for an overdraft. Alternatively, you can register now, or head to your nearest branch.
New customer - Student or Graduate?
You'll need a NatWest account to have an overdraft with us. Compare our accounts to find one that's right for you.
Want to try a different amount?
You can change your ideal overdraft amount and recalculate your eligibility.
It looks like you're eligible...
Based on the information you gave us, it looks likely that you could get an overdraft of:
${resultdynamicamount}
Your ideal amount was ${resultidealamount}
It's worth remembering
This is just an estimate overdraft result. Your eligibility and overdraft amount may change if you decide to apply.
What's next?
Banking with us?
You can log in to Online Banking to apply for an overdraft. Alternatively, you can register now, or head to your nearest branch.
New customer?
You'll need a NatWest bank account to have an overdraft with us. Compare our accounts to find one that's right for you.
What's next?
Banking with us?
You can log in to Online Banking to apply for an overdraft. Alternatively, you can register now, or head to your nearest branch.
New customer - Student or Graduate?
You'll need a NatWest bank account to have an overdraft with us. Compare our accounts to find one that's right for you.
Want to try a different amount?
You can change your ideal overdraft amount and recalculate your eligibility.
We couldn't match your details
We’re sorry. We tried running a soft credit check, but we couldn’t match your details with our data.
Unfortunately, it means we can’t tell if you’d be eligible – so we’re unlikely to offer you an overdraft right now.
Here are some typical reasons why:
- Spelling mistakes
- If you moved house in the last six months (the new address may not have updated in your credit file)
- You don't have a credit history, or your credit history is too old
- If you've never had a credit account in your name
We're sorry
We’ve looked at the details you provided, and we’ve checked them against our lending criteria.
It doesn’t look like you’re eligible right now – so we’re unlikely to offer you an overdraft.
Here are some typical reasons why:
- Missing information: We may not have received all the information about your income, or outgoings when we assessed your application
- Past repayment problems: You may have been made bankrupt in the past, missed payments, or have a County Court Judgement against you
- Insufficient income: The credit that you’re applying for may be unaffordable, due to your income or outgoings
- For more information on credit scoring read this.
What's next?
Check your credit score
If you'd like to check your credit score, you can use these credit reference agencies:
What's a credit check?
Read this to better understand what criteria is included in a credit check.
Want to try a different amount?
You can chage your ideal overdraft amount and recalculate your eligibility.