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Overdraft Eligibility Tool
One Moment
We're just running a soft credit check - you'll get your result soon
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?
Overdraft limits
Just so you know...
- We've estimated your chances of getting an overdraft.
- If you apply, you might get a different result and overdraft limit (how much you can borrow).
- You should only ask for the overdraft limit you need.
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?
Overdraft limits
Just so you know...
- We've estimated your chances of getting an overdraft.
- If you apply, you might get a different result and overdraft limit (how much you can borrow).
- You should only ask for the overdraft limit you need.
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?
Overdraft limits
Just so you know...
- We've estimated your chances of getting an overdraft.
- If you apply, you might get a different result and overdraft limit (how much you can borrow).
- You should only ask for the overdraft limit you need.
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?
Overdraft limits
Just so you know...
- We've estimated your chances of getting an overdraft.
- If you apply, you might get a different result and overdraft limit (how much you can borrow).
- You should only ask for the overdraft limit you need.
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
Based on our lending criteria and the details you've provided, it doesn't look like you're eligible for an overdraft right now.
However, our free Financial Health Check could help you get your finances into shape.
Here are some typical reasons why:
- Insufficient income: The credit that you’re applying for may be unaffordable, due to your income or outgoings
- Past repayment problems: You may have been made bankrupt in the past, missed payments, or have a County Court Judgement (CCJ) against you
- Too much borrowing: You may have too much borrowing with us or other banks and building societies
- Missing information: We may not have received the correct level of information about your income or outgoings when we assessed your application
- Low credit score: You may not have reached the minimum credit score needed. Read the guide below to find out more about credit scoring
What can I do next?
Check your Financial Health
Our free online Financial Health Check can help you to review your personal finances and focus on your needs and goals.
Choose from a quick review using our online tool or take the time to speak to one of our highly trained Senior Personal Bankers.
Understand how Credit Scoring works
We've put together a Credit Scoring guide to help you understand how it all works and what you can do to help improve your score.
Worried about your finances?
We understand that sometimes people struggle financially. If you're worried about paying money back or you're struggling to pay your mortgage, rent or other bills, find out how we can help.