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Managing your money

Understanding your overdraft debt

Paying off your overdraft

Overdrafts can be useful for covering any unexpected costs in the short term, but other forms of borrowing could be better value for you if you are using your overdraft on a regular basis. If you find yourself dipping into your overdraft frequently, we want to help you pay less by looking at ways to reduce your overdraft use.

Useful information about overdrafts Open in new window

Let us help shape your financial future

Get your finances in good shape, discover helpful hints and tips for everyday spending or focus on something specific for the future.

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How much does your overdraft cost?

First things first, let's work out how much your overdraft is costing you. Use our overdraft calculator to get a breakdown of costs, including interest and any fees that may apply.

Use the overdraft calculator Open in new window

Struggling financially

If you are worried about your finances we're here to help.  Learn more about:

  • Missing payments
  • Managing your debt
  • Getting in touch
  • Getting independent support
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Change your overdraft limit

If you’ve got an arranged overdraft limit on your NatWest account that you feel is too low or too high, we’ll show you how to increase, reduce or remove your overdraft limit. 

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Change your overdraft limit Open in new window