What you'll get with an overdraft from NatWest
An arranged overdraft allows you to go overdrawn up to an agreed limit. So, if payday is still a long way off and you’re short of cash, an arranged overdraft could help to cover an unplanned expense. Think of it as a short-term safety net.
Overdrafts are a way of borrowing money and you're responsible for repayments if you decide to use one. If you're unable to repay what is owed, you could impact your credit score, which most lenders use to decide whether they'll lend to you.
Interest-free buffer
Interest-free overdraft of up to £3,250 (for your first year after graduation).
Year 2 £2,250 interest free buffer
Year 3 £1,250 interest free buffer
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Applying is really quick
Applying through Online Banking takes around 5 minutes
Get an instant decision if you bank online with us
Fast access to funds
If your overdraft is approved, it'll normally be available the next working day, but there are some exceptions to be aware of
What are the overdraft costs?
Features and benefits
Tools to help you out
Check your chances of being accepted before applying
Find out how much interest you're likely to pay
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