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How do I apply for an overdraft?

You can apply to increase or decrease your existing overdraft limit or apply for a new overdraft using the online application.

For help with costs for arranged or unarranged borrowing using our overdraft calculator.

If you are a Digital Banking customer and complete the form using your log in details, we complete many of the fields for you. All you need to do is specify the overdraft that you wish to apply for (this is the new full amount not just the increased or decreased amount).

If your request has been successful, we will then confirm our decision and apply the new overdraft limit within 48 hours.

You can contact us or visit your local branch to discuss your overdraft requirements.

Telephone banking
Customers in Scotland
Personal - 03457 242424 (Overseas +44 131 5498888)
Business - 0345 6002230 (Overseas +44 131 5498888)
Minicom: 0800 404 6160

Customers in England and Wales
Personal - 0345 9000400 (Overseas +44 131 2420017)
Business - 0345 3070900 (Overseas +44 131 2420017)
Minicom: 0800 068 1289

Open 24 hours a day.
Calls may be recorded.
Call charge information.

Please have your Customer Number and security number ready as this will enable your call to be answered faster and more securely. These are the same details you use to log in to Digital Banking.

Royal Bank of Scotland branch locator
Find your nearest branch using our branch locator (opens in a new window).