Training Example: NatWest – Review the Data, Give Your Score & Compare to the Real AI Evaluation

Yes please No thanks OpenClose New tax year, new £20,000 ISA allowance
[H1]
See your savings grow tax free with our 2 year Fixed Rate ISA 4.40% AER/tax-free p.a. (fixed). 1 year Fixed Rate option and Investment ISAs also available. See tax-efficient ISAs Limits and criteria apply. Early closure charges may apply and interest is paid annually and at maturity. Limited availability, can be withdrawn at any time.
[H3] Explore our products and services
[H2] Banking
Current accounts Child and teen accounts Joint accounts
[H4] Saving
Cash ISAs Fixed-term savings Investments
[H4] Mortgages
Existing customers Remortgage to NatWest First-time buyers
[H4] Borrowing
Loans Credit cards Overdrafts
[H3] Support 24/7
Get help when you need it, in whichever way you prefer. Go to the Support Centre Open in new window Struggling financially? See how we can support Open in new window
[H2] Get them bossing it
Teach money management with Rooster, our prepaid children’s bank card and app.  NatWest customers can get access to a free Rooster pocket money card subscription for their children aged 6-17. Rooster Card subscription costs £1.99 per month/£19.99 per year for non-NatWest customers. Other fees may apply. To be able to get this offer you must be a NatWest customer, over 18, and a UK resident signed up for Mobile or Online Banking with kids aged between 6-17. T&C's apply. Learn more about Rooster
[H3] Join millions on our Mobile App
Did you know that over 10 million customers now use the NatWest Mobile App to access their account every day? Take a look at some of our handy features below.
[H3] Spending Insights
Take control of your finances with tips and personalised coaching plans to help you manage your financial well being. Eligibility criteria may apply. More about Insights Open in new window
[H3] Payments Hub
Our Payments hub brings payments to the front and centre of our app. Send, request and manage your money all at the tap of a button. Eligibility criteria and limits apply. More about payments Open in new window
[H3] Credit Score
Check your free credit score in the app today, so you know where you stand. Credit score is available once you opt in and provided by TransUnion. Eligibility criteria apply. More about Credit Score Open in new window
[H3] Round Ups
Watch the pennies add up with Round Ups. Round up your spending to the nearest pound, sending your change to your savings account. Eligibility criteria applies.  More about Round Ups Open in new window
[H3] Favourite Payees
Are there people that you pay again and again? Save them to your favourite payees so you can send money faster. Add a picture to identify them too. More about Favourite Payees Open in new window Information Message Our app is available to personal and business banking customers aged 11+ using compatible iOS and Android devices. You'll need a UK or international mobile number in specific countries.
[H3] More from NatWest
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[H4] Supporting athletes across Great Britain and Northern Ireland
We aim to inspire success with our partners and help the nation take action. Learn how this partnership benefits our customers, and our communities. Explore the partnership Open in new window
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[H3] Help with the cost of living
The cost of living has increased in recent years due to inflation, energy prices, tax rises, and other factors. While everyone feels the pinch, we offer practical tools to help. Get help with the cost of living Open in new window
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[H3] New FSCS Limit of £120,000
The Financial Services Compensation Scheme (FSCS) limit has increased to £120,000. This means your eligible deposits with us are protected up to a total of £120,000 by the FSCS, the UK's deposit guarantee scheme. Find out more Open in new window
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Graph showing independent service quality results for personal current accounts. Natwest are ranked 13th.
[H3] Independent service quality survey results for personal current accounts
As part of a regulatory requirement, an independent survey was conducted to ask customers of the largest 17 personal current account providers if they would recommend their provider to friends or family.  See the full results (PDF, 356KB) Open in new window
[H3] Authorised push payment (APP) scams rankings in 2024
Authorised push payment (APP) scams happen when someone is tricked into transferring money to a fraudster’s bank account. Information about NatWest's performance prior to the introduction of the reimbursement requirement in October 2024 can be found in PSR's latest APP Scams Performance Report published in February 2026.

Help, support and live chat
[H1]
Support Centre
[H2] Help and support topics
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[H3] Banking from home
Card reader How to use the mobile app Login help Make payments How to use Online Banking Information Message Explore banking from home Open in new window
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[H3] View or change your details
Add someone to your bank account Find account details Notifications Update details View statements Information Message View or change your details Open in new window
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[H3] Help with your product
Cheques Credit card Current accounts Loan Mortgage Overdraft Rooster Money Savings Information Message See all help with your product Open in new window
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[H3] Help with your card
Card delivery Card functionality Fraud Going abroad PIN Refunds Transactions Information Message Find help with your card Open in new window
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[H3] Banking near me
ATM/Cash & Deposit Machine (CDM) Book an appointment Contact us Mobile branches Opening times Order change Safe custody Withdrawals Information Message Explore banking near you Open in new window
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[H3] Dealing with difficult times
Financial difficulty Manage my debt Information Message Find help in difficult times Open in new window
[H2] Top help questions
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[H3] What are the different balances in Online Banking?
Recently we’ve changed the way we display your accounts and balances in Online Banking to give you a clearer view of your money. Read full answer Open in new window
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[H3] How do I register for Online Banking if I don't have a debit card?
If you do not have a debit card, you can simply leave this field blank and carry on with your application. Read full answer Open in new window
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[H3] Why do I get a message that my customer number entered has been disabled?
To protect you and your accounts, we constantly monitor our Online Banking and mobile app services and it may have been necessary for us to temporarily disable your service. Read full answer Open in new window
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[H3] What is a card-reader and how do I use one?
A card reader gives you an extra level of security when using Online Banking, and you may need to use it to confirm your identity when logging in if you don’t have a mobile number, or you’ve recently updated it with us. Read full answer Open in new window
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[H3] I haven't received my Online Banking activation code, what can I do?
You'll need an Online Banking activation code when you register, re-register or open an account with us. We'll send you your code by text message within a few minutes if you have a UK mobile number. Read full answer Open in new window
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[H3] It says 'service temporarily unavailable', what should I do?
We do carry out essential maintenance between 1.55am and 2.30am (UK time) every day to keep our systems up to date. During these times Online Banking will be unavailable. Read full answer Open in new window
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[H3] Contact us
Cora is a digital chatbot trained to answer your banking questions. You can chat to her online anytime and if she can’t help, she’ll pass you on to a real person who can. On average she can answer questions within 5 minutes. Read full answer Open in new window
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[H3] What is my Online Banking Mailbox and how do I access it?
Your Online Banking mailbox or mobile app enables you to securely receive and access important mail we've sent you in electronic format. You can view, download, share, archive or print PDF copies of your mail at your convenience. Read full answer Open in new window
[H2] Popular how to guides
These step-by-step guides will help you complete everyday tasks using your mobile app or Online Banking.
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[H3] Make a complaint
We always try to give you the best possible service. But sometimes we get it wrong. If we’ve got it wrong enough that you want to make a formal complaint, it’s easiest online. Learn how to make a complaint Open in new window
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[H3] Make a payment
Information about different payment types and payment limits. Find details about payments Open in new window
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[H3] Report a lost or stolen card
Report a lost or stolen card is quick and easy in the app, online or in branch. Learn how to report a lost card Open in new window
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[H2] Cora is here to help you
Available 24/7 Cora can support you with a wide range of queries. If Cora can't help you, she'll pass you on to one of our colleagues who can assist you.   Helps you change your details Cora can update your address and help you get your phone number, email address or name updated too.   Allows you to report a lost card Cancel your lost card and securely order a new one.   Helps you get a PIN reminder Forgotten your PIN? Get a PIN reminder through Cora. Get to know Cora Open in new window

Bank accounts
[H1]
Ready to open a bank account? You could get £200 when you switch your current account held elsewhere to a Select or Reward account. T&Cs and restrictions apply
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[H2] Switch to us and you could get £200
This offer is available to new and existing customers who did not hold a NatWest current account on 06 May 2026.
[H3] How to get £200
1. Open a current account and switch to us Apply for a Select or Reward account and request and complete a full switch to us from another bank using the Current Account Switch Service. 2. Within 60 days of switching Pay in £1,250 - This can be made of multiple payments and must remain in the account for 24 hours. Log in to our mobile app - This can be done on any device that supports the NatWest mobile banking app. 3. You're all set When you've met these conditions, we'll pay £200 into your eligible account within 30 days. Information Message Switch Offer T&Cs (PDF, 57KB) Current Account Switch Guarantee (PDF, 39KB) A Guide to Switching Current Accounts (PDF, 3MB) Information Message Information Message Specific account eligibility criteria & conditions apply. Monthly account fees may apply. Offer T&Cs and restrictions apply. You won’t be eligible if you or anyone on the account has previously received a NatWest Group cash switch incentive, or if you’re switching an account from NatWest Group (Royal Bank or Ulster Bank). This offer may be changed, replaced, or withdrawn at any time.
[H2] Find the best bank accounts for your needs
For simple everyday spending: Our Select account offers the basics with no monthly fee. For rewards as cash back: Enjoy extra benefits with the Reward bank account. For university budgeting: Hit the ground running with a dedicated current account for UK students. For your child or teen: Help to give them the best start with tailored kids bank accounts. For upgrades to existing accounts: From insurance to breakdown cover, get more with packaged bank accounts.
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[H2] Everyday bank account
The basic everyday bank account that helps you take action, also known as our Select account. Eligible for our Switch offer. No hassle: it's easy to set up and use this basic bank account. And there's zero monthly fee. Save the change: watch the pennies add up (and up and up) with Round Ups and a linked instant access savings account. Criteria apply. Check how you're doing: monitor your progress with spend tracking and budgeting.  Your day-to-day made easy: with Split the Bill, 24/7 support, and cardless cash withdrawals. Criteria and limits apply to these bank account features.  Must be 18+ and UK resident to apply. Continue to Select account Open in new window
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[H2] Reward bank account
Get money back on your everyday spend for only £2 a month. Eligible for our Switch offer. Earn £4 a month in Rewards for 2 or more Direct Debits of at least £2. Earn £1 a month in Rewards just by logging into our mobile app.  Earn from 1% back in Rewards when you spend at our partner retailers. Exchange Rewards as cash back into your bank account or e-gift codes with our retail partners. Must be 18+, UK resident, and pay in £1,250 to an eligible NatWest account every month. T&Cs apply. Continue to Reward bank account Open in new window
[H2] Student, child & teen bank accounts
[H3] Children's and teen accounts
Looking for a kid's bank account?
[H4] Adapt account (11-17 year olds)
Current account with a contactless debit card for 11-17 year olds.  Earn 1.60% AER / 1.59% Gross p.a. (variable) interest on your balance. Interest is calculated daily and paid monthly. Apple Pay (if you're 13+) and Google Pay™ (if you're 13+). Limits apply.
[H4] Rooster Money (3-17 year olds)
Parent-managed pocket money app for 3-17 year olds. Set allowances and track your kids' spending and saving. Eligibility criteria, fees & charges may apply. T&Cs apply (PDF, 100KB). Information Message View Child & Teen accounts Open in new window
[H3] Student bank account
A current account to make student life easier 4-year tastecard with our Student bank account. Offer T&Cs apply.  18 or older? Interest-free overdraft - get an overdraft of up to £2,000 from year one (limited to £500 in term one year one), with an instant online decision. Students can apply for up to £3,250 interest-free from year three onwards. No monthly account fee. Specific account eligibility criteria apply. Overdraft subject to eligibility. Information Message Continue to Student bank account Open in new window
[H2] Explore our other current accounts
[H3] Premier accounts
Starting from £0 a month Premier Switch offer available.  Open a bank account and get access to dedicated support, financial planning and a range of benefits that could make your life easier.  Specific account and Premier eligibility criteria apply. Fees may apply to specific products and services. Switch offer T&Cs and restrictions apply. Limited availability. Information Message Continue to Premier Open in new window
[H3] Joint accounts
Share your banking A joint bank account could make sense if you're looking to share your Select or Reward account with someone you trust. Information Message Continue to joint bank account Open in new window
[H3] Foundation account
A straightforward current account If you're not eligible for the bank account you are applying for, you might be offered the Foundation account instead. You can't apply directly for this current account. Information Message Continue to Foundation account Open in new window
[H3] Ukrainian refugee account
Let's get you set up with a UK bank account We've set up a new account opening process for you. Choose from the languages below to find more details and eligibility criteria. Подати заявку онлайн Подать заявку онлайн Information Message Apply online Open in new window
[H2] Current accounts for existing customers
Upgrade your existing NatWest current account to a packaged account. Specific account eligibility criteria apply.
[H3] Reward Silver
£10 monthly fee European travel insurance. Mobile phone insurance. No non-sterling fees on debit card purchases abroad. Local fees may apply. Plus, all the benefits of the Reward current account. Information Message Continue to Reward Silver Open in new window
[H3] Reward Platinum
£22 monthly fee Worldwide travel insurance. UK car breakdown cover. Includes all Reward Silver current account benefits too. Information Message Continue to Reward Platinum Open in new window
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[H3] Bank whenever, wherever with our mobile app
[H4] Easy, secure, quick banking with our highly rated app.
Secure login using your fingerprint or facial recognition on selected devices.  Freeze and unfreeze your card whenever you need. Turn on Round Ups to save money effortlessly from your current account into an eligible savings account. Use Split the Bill to get your mates to pay you back for that lunch. Information Message Our app is available to personal and business banking customers aged 11+ using iOS and Android devices. You'll need a UK or international mobile number in specific countries. App Store and Google Play Store™ ratings correct as of August 2024. Download our mobile app Open in new window
[H3] Get peace of mind with your bank account
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[H4] Switch to NatWest
With another bank? Switching bank accounts is easy. The Current Account Switch Service will move everything from your old account over to us in 7 working days. Let us know in your application if you want to switch bank accounts and when to get the ball rolling. Click the links below to find out more. Current Account Switch Guarantee (PDF, 39KB) A Guide to Switching Current Accounts (PDF, 3MB) Information Message Switch a current account Open in new window
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[H4] Protecting your money
Eligible deposits with us are protected up to a total of £120,000 by the Financial Services Compensation Scheme (FSCS), the UK's deposit guarantee scheme. Read the FSCS Leaflet (PDF, 665KB) to find out more. How we protect you Find out more about how we protect your money everyday. Visit our Security Centre to support you stay safe and avoid scams when banking with us.   Information Message
[H4] Supporting our customers
See how we've performed in key service areas and view details on how we support all personal banking customers. NatWest performance indicators (PDF, 74KB) NatWest customer support (PDF, 53KB) Information Message

NatWest mobile banking app
[H1] Safe and easy banking with the NatWest app
Our app is available to personal and business banking customers aged 11+ using compatible iOS and Android devices. You'll need a UK or international mobile number in specific countries.
[H2] Join millions on our app
Did you know that over 10 million customers now use the NatWest mobile banking app to access their account every day?
[H3] It's quick
Check your balance and latest transactions in a jiffy.
[H3] It's easy
Pay your buddies or the builder in a couple of taps. Criteria applies.
[H3] Super safe
Login securely with fingerprint and facial recognition on selected devices.
[H3] Get in touch 24/7
Need to ask something? Message us day or night.
[H2] Download the NatWest app
On your mobile or tablet, open the camera and point your device at the QR code. A link will pop up, tap this, and you’ll be taken straight to download the app.   QR code not working?    View our mobile banking terms
[H2] Get the app
Experience easy, quick, secure banking with the NatWest banking app View our mobile banking app terms
[H2] Get the app
Experience easy, quick, secure banking with the NatWest banking app View our mobile banking app terms
[H2] How to register for the app
Our step by step guide makes it even easier to get yourself up and running with the app.
[H3] 1. Open the app
Tap 'I already have an account'. Then simply read and when ready accept the Mobile Banking Terms.     Open in new window
[H3] 2. Enter your details
Enter the characters from your Online Banking PIN and Password. Don't have these? Tap 'Can't find your secure details'. Open in new window
[H3] 3. We'll confirm your mobile number
This should happen automatically or by entering the activation code that we text you Open in new window
[H3] 4. Secure your account
Set up a passcode and choose your login preference (facial recognition, fingerprint or password) and complete the “Customise your app screens”.  Fingerprint and/or facial recognition are available on selected devices. Open in new window
[H1]
[H1]
Our mobile app is getting an upgrade We're evolving our app, built around you. Making it simpler and quicker to do what matters to you. Join us on this journey Open in new window
[H2] Do more with the NatWest app
[H3] Insights: fast-track your goals
Take control of your finances with tips and personalised coaching plans to help you manage your financial well being. Eligibility criteria may apply. Learn more about Insights Open in new window
[H3] Payments Hub
Our Payments hub brings payments to the front and centre of our app. Send, request and manage your money all at the tap of a button. Eligibility criteria and limits apply. Learn more about Payments Hub Open in new window
[H3] Credit score
Check your free credit score in the app today, so you know where you stand. Credit score is available once you opt in and provided by TransUnion. Eligibility criteria apply. Learn more about Credit score Open in new window
[H3] Round Ups
Watch the pennies add up with Round Ups. Round up your spending to the nearest pound, sending your change to your savings account. Eligibility criteria applies.  Learn more about Round Ups Open in new window
[H3] Favourite Payees
Are there people that you pay again and again? Save them to your favourite payees so you can send money faster. Add a picture to identify them too. Learn more about Favourite Payees Open in new window
[H2] Looking for help?

If you're affected by the current Middle East disruption, we're here to help. See support options Close
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Life Moments
[H1] Travel with us
[H2] Take our cards abroad
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[H3] Planning a trip? Set up a Travel account
Link euros or US dollars to your existing debit card. Apply within the mobile app. Travel accounts can be linked to eligible current accounts only. UK residents over 18. Eligibility and Terms apply. Fees may apply. Two Travel accounts per customer, one for euro and one for US dollar.  Discover the Travel account Open in new window
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[H3] Take your debit card abroad
Safe, simple, familiar. A guide to making the most of your debit card when taking it abroad. Use your debit card abroad Open in new window
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[H3] Credit cards
Learn more about credit cards you can take overseas with you and how they work. UK residents over 18, subject to status. Eligibility criteria apply. Explore our credit cards Open in new window
[H2] What else do you need ahead of your trip?
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[H3] Travel money
Order your travel money ahead of your trip and have it delivered directly to your door, or ready for collection at a wide range of locations. Range of worldwide currencies available. Information Message Order travel money Open in new window
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[H3] Travel insurance
Cover the costs of unforeseen incidents such as health emergencies, cancelled flights or missing luggage. Travel insurance cover is available with our packaged accounts. Monthly fees and eligibility criteria apply. Information Message View our packaged accounts Open in new window
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[H3] Holiday loans
Finance your special trip effortlessly, spreading the cost through monthly loan repayments. Representative 6.6% APR is available on loans between £7,500 and £14,950. Other loan amounts are available at alternative rates. Our rates depend on your circumstances and loan amount and may differ from the Representative APR. For UK residents over 18, subject to status and eligibility criteria apply. Information Message Check out holiday loans Open in new window
[H3] Send money abroad
Making an international payment using the mobile app or Online Banking is just as secure as it is to make one in branch.  Information Message Send money abroad Open in new window
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[H2] Looking for even more travel perks?
Want no foreign transaction fees on purchases abroad? Get acquainted with our packaged accounts, which let you spend without any foreign transaction fees on your debit card*. Monthly fee and specific account eligibility apply. Depending on the particular account benefits, our packaged customers can also access travel booking discounts, travel insurance, airport lounges and more through our membership services. *Not valid for ATM withdrawals. Other local fees may apply.
[H3] How does it work?
Some NatWest accounts provide the benefit of no non-sterling transaction fees on debit card purchases abroad. If you fancy that our Reward Silver, Reward Platinum, Premier Select and Premier Reward Black account pages have all the details. Available to UK residents over 18. Monthly fees apply.
[H3] Who is it for?
Available to account holders of Reward Silver, Reward Platinum and Black Account. For Premier Banking, available to account holders of Premier Select and Premier Reward Black accounts. Premier Banking is subject to income, savings or borrowing eligibility criteria. Check out the Premier current accounts page for more information. Explore Packaged accounts Open in new window
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[H2] Sustainable travel tips
Whether you’re exploring new lands or staying local, sustainable travel provides new ways to see the world that could even save you money too. Access our guide to sustainable travel Open in new window
[H2] Avoid holiday scams
Stay scam-savvy. Ensure a safe holiday by keeping an eye out for scams when booking your trip, and while you’re away, with our top tips. Access our guide to holiday scam tips Open in new window
[H2] Stay in control when abroad
We wish you stress free travels, but before you go, let's make sure we can keep in touch with each other. Make sure your contact details are up to date so that we can contact you if we notice something is wrong. Write down the number on the back of your card somewhere handy, in case you need to call us when you're abroad.
[H3] Get to know your destination
Before you travel make sure you are familiar with your destination country and make sure you are fully prepared.  Check ATM and card usage to make sure you have enough money for your trip. Have a look at the government advice website to see if there are any travel warnings you need to be aware of. Locate the British embassy and learn how you can get in touch with them. Discover foreign travel advice for your destination
[H3] Register your trip in the app
Our fraud systems are protecting you everywhere all the time, so you don’t need to tell us each time you go abroad. However if you do want to notify us of a trip, you can do it through our mobile app. Home > Choose your account > Manage my card > Going abroad > Register card  App available to customers aged 11+ with compatible iOS and Android devices and a UK or international mobile number in specific countries.  You can register one trip at a time. It can include up to seven countries and last up to 90 days. Register each country you are visiting. The marker will apply to all debit cards in your name. Joint account holders should register separately.
[H3] Lost your card?
It’s a horrible feeling when you think you’ve lost your card or it’s been stolen. Our mobile app lets you freeze it for as long as you need to look for it. If your card still doesn’t turn up, there’s no need to worry. Just keep it frozen, contact us and we’ll sort everything out. Find out how to freeze your card You can report your debit card as lost or damaged and order a new one using our mobile app: Home > Choose your account > Manage my card > Report lost or damaged You can also log on to your Online Banking, or give us a call.
[H3] We've got your back with chargeback
If something goes wrong with a merchant and you’ve used your debit card, we could help you get your money back through a chargeback. Chat to Cora in the mobile app, Online Banking or through our website about ‘chargeback’ for more information.
[H3] Didn't find what you were looking for?
[H2] Download the app
Downloading the NatWest app couldn't be easier, follow these three simple steps below. On your mobile or tablet, go to the App Store if using Apple or Google Play if using Android Search for 'NatWest Mobile Banking' Tap to download the app
[H2] Get the app
Experience the quickest way to manage your money.
[H2] Get the app
Experience the quickest way to manage your money.

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Arranged overdrafts
[H1]
Helping you manage unexpected costs with: A brief application process Quick access to funds if you are approved  Interest charged only on usage
[H3] Representative 39.49% APR (variable)
[H4] How does our overdraft compare?
[H4] A good way to compare the costs of borrowing products is by using the APR, which shows the cost of borrowing over a year.
warning Message An overdraft is a way of borrowing money.  If you decide to use an overdraft, you're responsible for paying it back. If you're unable to repay, your credit score could be impacted. Most lenders will use your credit score when deciding what to lend to you.
[H2] Benefits of an arranged overdraft
An arranged overdraft allows you to go overdrawn up to an agreed limit, so it could help cover an unplanned expense. Think of it as a short-term safety net for your current account.  Only pay interest if you use it Quick access to funds It takes about 5 minutes to apply in Online Banking or the mobile app (app eligibility applies)
[H3] Will using an overdraft affect my credit score?
Using an overdraft could affect your credit score if your account remains inside the overdraft limit for long periods and you don’t pay it back. However, if you pay off your overdraft regularly, this could actually help to improve your credit rating. When you apply for an overdraft, or an increase to your existing overdraft, we do carry out a credit check which will be recorded on your credit file and could have an impact. Before applying, we recommend you use our eligibility checker to find out if you’re likely to be offered an overdraft. This check will be recorded on your credit file but will not have any impact. To find out more about credit scoring, read our credit scoring guide. If you’re worried about your credit score, or your finances in general, you can schedule a financial health check with us.
[H2] Manage my existing overdraft
You can make changes to your arranged overdraft in our mobile app or via Online Banking. Here's what you need to know.
[H3] Increasing my limit
When applying to increase your limit, tell us what you want your new overdraft limit to be, not the amount you want to increase it by. Remember, increasing your limit is recorded on your credit file and could affect your ability to get credit in the future.
[H3] Reducing my limit
The minimum overdraft limit you can have is £250. So if your current limit is lower than £250, you won't be able to reduce it any more. Keep in mind that if you reduce your overdraft too much, you might go into an unarranged overdraft.
[H3] Removing my limit
If you want to remove your overdraft completely, your account must be in credit.
[H3] When will my new limit be available?
If you complete your request and it's approved Mon - Thurs before 5:30pm, your new limit will be available the next working day. Outside these times, it will take up to 2 working days. Continue to manage your overdraft Open in new window
[H3] Why chance it? Check if we’ll say ‘yes’.
Check if you could get an overdraft before you apply. It’s free to check, takes minutes and won’t affect your credit score.​ Got a joint account? We suggest you each check, as you might get different results. Check your eligibility if you’re new to us  Open in new window Check your eligibility if you bank with us  Open in new window
[H2] Understanding how overdraft costs work
Overdraft costs Further costs details Types of overdrafts
[H3] Arranged overdraft charges
We don’t charge fees for using an arranged overdraft – we only charge interest on the amount of overdraft you use. The interest you pay depends on the type of current account you have with us.
[H3] Unarranged overdraft charges
If you go into an unarranged overdraft, we will charge interest (this will also depend on the type of your current account). The monthly cap on unarranged overdraft charges for our standard adult current accounts is £18.80. 1. Each current account will set a monthly maximum charge for: going overdrawn when you have not arranged an overdraft; or going over/past your arranged overdraft limit (if you have one). 2. This cap covers any: interest for going over/past your arranged overdraft limit; fees for each payment your bank allows despite lack of funds; and fees for each payment your bank refuses due to lack of funds.
[H3] Returned payments
An Unpaid Transaction Fee of £1.55 is charged for a transaction that we return unpaid. A transaction (e.g. a Direct Debit) will be returned if the payment cannot be met from funds in your account or any unused arranged overdraft facility and we decide in our discretion not to make the payment.
[H3] Charging periods
Charges are accrued during a charging period. At the end of the charging period you will be notified of the total amount owed and when it will be taken from your account - this will be 21 days after the end of the charging period. The charging period start date is always the day after the account statement is produced, i.e. if statements are set to be produced on the 1st of the month, the charging period will start on the 2nd and finish on the 1st of the next month.
[H3] What is an arranged overdraft?
An arranged overdraft is when we agree to a limit that lets you spend a bit more money than you have in your current account. This could help you manage your money if you have to cover short-term expenses such as an unexpected bill.
[H3] What is an unarranged overdraft?
An unarranged overdraft is when you spend more money than you have and you haven’t previously arranged an overdraft limit with us, or you have exceeded your existing overdraft limit.
[H3] Free text alerts
If you start to use an arranged or unarranged overdraft, we'll send you free text alerts to keep you updated.
[H4] Overdraft text alert service
If we have your UK mobile number, we'll enroll you in our automated overdraft text alert service. If you have an arranged overdraft, we'll text you if you've started using it (for example, if you have made a cash withdrawal) or if you are about to start using it (due to a scheduled payment, like a Direct Debit).
[H4] Unarranged overdraft Act Now alerts
We'll also send unarranged overdraft Act Now Alerts which let you know if you're about to go into an unarranged overdraft or have a payment rejected, so you can take action to make sure that payments are made and avoid charges. If we can't text in advance, we'll send one the next day.  You can opt out or amend these alerts using Online Banking, the mobile banking app or by talking to us over the phone or directly in branch.
[H3] How much does my overdraft cost in pounds and pence?
Choose your current account to view the interest costs when you use a £500 overdraft. Which current account do you have?
[H4] Time period
Interest Cost
[H4] 7 days
£3.24
[H4] 30 days
£13.87
[H4] 60 days
£28.13 Close
[H3] Illustrative Example
The above table is a specific illustrative example representing the interest cost of using a £500 arranged overdraft over periods of 7, 30 and 60 days.  Looking to understand the cost of an overdraft of more or less than £500? Use our handy Overdraft Cost Calculator. Representative Example: Effective Annual Rate: 39.49% EAR (variable). Representative APR: 39.49% APR (variable). Assumed credit limit: £1,200
[H4] Time period
Interest Cost
[H4] 7 days
£3.24
[H4] 30 days
£13.87
[H4] 60 days
£28.13 Close
[H3] Illustrative Example
The above table is a specific illustrative example representing the interest cost of using a £500 arranged overdraft over periods of 7, 30 and 60 days.  Looking to understand the cost of an overdraft of more or less than £500? Use our handy Overdraft Cost Calculator. Representative Example: Effective Annual Rate: 39.49% EAR (variable). Representative APR: 39.49% APR (variable). Assumed credit limit: £1,200
[H4] Time period
Interest Cost
[H4] 7 days
£3.24
[H4] 30 days
£13.87
[H4] 60 days
£28.13 Close
[H3] Illustrative Example
The above table is a specific illustrative example representing the interest cost of using a £500 arranged overdraft over periods of 7, 30 and 60 days.  Looking to understand the cost of an overdraft of more or less than £500? Use our handy Overdraft Cost Calculator. Representative Example: Effective Annual Rate: 39.49% EAR (variable). Representative APR: 39.49% APR (variable). Assumed credit limit: £1,200
[H4] Time period
Interest Cost
[H4] 7 days
£3.24
[H4] 30 days
£13.87
[H4] 60 days
£28.13 Close
[H3] Illustrative Example
The above table is a specific illustrative example representing the interest cost of using a £500 arranged overdraft over periods of 7, 30 and 60 days.  Looking to understand the cost of an overdraft of more or less than £500? Use our handy Overdraft Cost Calculator. Representative Example: Effective Annual Rate: 39.49% EAR (variable). Representative APR: 39.49% APR (variable). Assumed credit limit: £1,200
[H4] Time period
Interest Cost
[H4] 7 days
£0.00
[H4] 30 days
£0.00
[H4] 60 days
£0.00 Close
[H3] Illustrative Example
The above table is a specific illustrative example representing the interest cost of using a £500 arranged overdraft over periods of 7, 30 and 60 days.  Looking to understand the cost of an overdraft of more or less than £500? Use our handy Overdraft Cost Calculator. Representative Example: Effective Annual Rate: 34.49% EAR (variable). Representative APR: 34.49% APR (variable). Assumed credit limit: £1,200
[H4] Time period
Interest Cost
[H4] 7 days
£3.24
[H4] 30 days
£13.87
[H4] 60 days
£28.13 Close
[H3] Illustrative Example
The above table is a specific illustrative example representing the interest cost of using a £500 arranged overdraft over periods of 7, 30 and 60 days.  Looking to understand the cost of an overdraft of more or less than £500? Use our handy Overdraft Cost Calculator. Representative Example: Effective Annual Rate: 39.49% EAR (variable). Representative APR: 39.49% APR (variable). Assumed credit limit: £1,200
[H4] Time period
Interest Cost
[H4] 7 days
£3.24
[H4] 30 days
£13.87
[H4] 60 days
£28.13 Close
[H3] Illustrative Example
The above table is a specific illustrative example representing the interest cost of using a £500 arranged overdraft over periods of 7, 30 and 60 days.  Looking to understand the cost of an overdraft of more or less than £500? Use our handy Overdraft Cost Calculator. Representative Example: Effective Annual Rate: 39.49% EAR (variable). Representative APR: 39.49% APR (variable). Assumed credit limit: £1,200
[H4] Time period
Interest Cost
[H4] 7 days
£3.24
[H4] 30 days
£13.87
[H4] 60 days
£28.13 Close
[H3] Illustrative Example
The above table is a specific illustrative example representing the interest cost of using a £500 arranged overdraft over periods of 7, 30 and 60 days.  Looking to understand the cost of an overdraft of more or less than £500? Use our handy Overdraft Cost Calculator. Representative Example: Effective Annual Rate: 39.49% EAR (variable). Representative APR: 39.49% APR (variable). Assumed credit limit: £1,200
[H4] Time period
Interest Cost
[H4] 7 days
£0.00
[H4] 30 days
£0.00
[H4] 60 days
£0.00 Close
[H3] Illustrative Example
The above table is a specific illustrative example representing the interest cost of using a £500 arranged overdraft over periods of 7, 30 and 60 days.  Looking to understand the cost of an overdraft of more or less than £500? Use our handy Overdraft Cost Calculator. Representative Example: Effective Annual Rate: 34.49% EAR (variable). Representative APR: 34.49% APR (variable). Assumed credit limit: £1,200
[H3] See how much interest you might pay
Use our overdraft cost calculator to see how much interest you’d pay based on your own circumstances and borrowing amount. Overdraft calculator Open in new window
[H2] Our Student and Graduate overdrafts
[H3] Student overdrafts
Interest-free overdraft - get an overdraft of up to £2,000  from year one (Limited to £500 in term one year one), with an instant online decision. Students can apply for up to £3,250 interest free from year three onwards. Handy text alerts to help you manage your borrowing   Information Message Apply for a Student overdraft Open in new window
[H3] Graduate overdrafts
Graduates can apply for up to £3,250 in the first year after graduation . Year 1 £3,250 Interest free buffer Year 2 £2,250 interest free buffer Year 3 £1,250 interest free buffer Manage your overdraft online or in the mobile app (app criteria apply)    Information Message Apply for a Graduate overdraft Open in new window
[H3] Confused about overdrafts?
We'll help you understand the basics of how overdrafts work. See our overdrafts guide Open in new window
[H3] Overdrafts FAQs
[H4] What is an arranged overdraft?
An arranged overdraft is when we agree to a limit that lets you spend a bit more money than you have in your current account. This could help you manage your money if you have to cover short-term expenses such as an unexpected bill. For more support on the basics – from overdraft definitions to understanding overdraft costs – why not try our handy guide? We’ll also run you through the difference between arranged and unarranged overdrafts. Find out how overdrafts work
[H4] What is an unarranged overdraft?
An unarranged overdraft is when you spend more money than you have and you haven’t previously arranged an overdraft limit with us, or you have exceeded your existing overdraft limit.
[H4] How can I pay off my overdraft?
You can pay off an overdraft at any time, simply by ensuring you have a positive balance in your account. Unlike loans and credit cards, overdrafts have no scheduled repayment dates. This can make paying off your overdraft a little trickier to manage. We recommend setting targets of how much you want to pay off each month and factoring these targets into your budget. Need help with budgeting? Have a read of our budgeting guide. If you’re worried about your credit score, or your finances in general, you can schedule a financial health check with us.
[H4] Will using an overdraft affect my credit score?
Using an overdraft could affect your credit score if your account remains inside the overdraft limit for long periods and you don’t pay it back. However, if you pay off your overdraft regularly, this could actually help to improve your credit rating When you apply for an overdraft, or an increase to your existing overdraft, we do carry out a credit check which will be recorded on your credit file and could have an impact. Before applying, we recommend you use our eligibility checker to find out if you’re likely to be offered an overdraft. This check will be recorded on your credit file but will not have any impact. To find out more about credit scoring, read our credit scoring guide. If you’re worried about your