Changing your overdraft limit won’t take long
If you’ve got an arranged overdraft limit on your account that you feel is too low or too high, we’ll show you how to change it.
Things to keep in mind
How to change your overdraft
Check your personal details
Confirm your new limit
Submit your application
Ready to start?
Our online application is available between 6.30am and 9.45pm.
Get ready to apply
You can apply for an overdraft if:
- You are aged 18+ and living in the UK
- You have an eligible Royal Bank of Scotland bank account which you pay your salary or a regular amount into
- You, or any parties on your account, have not been declared bankrupt in the last 6 years
Please note: if you apply on a joint account, we will only assess the eligibility of the person applying.
First, let's check if you're eligible
Use our free eligibility checker before you apply to see if you’re likely to be accepted. It only takes a few minutes and there’s no impact on your credit score.
If you have a joint account, we recommend that you both check your eligibility, as you could each be eligible for different levels of borrowing.
If you've already checked, you're good to move on below.