To apply for a Royal Bank of Scotland overdraft you must be a UK resident, 18 or over and have an eligible Royal Bank of Scotland current account. Subject to approval.
Here we can show you an example of the interest cost when you use a £500 arranged overdraft.
See if you'll be accepted before you apply
Have a shot of our eligibility checker tool, which will help you understand if you’ll be accepted for an overdraft before you start an application. It only takes a couple of minutes and it won’t harm your credit rating.
Find out how much you'll pay in interest
Our cost calculator tool allows you to see how much interest you’ll pay based on how much you plan to borrow, and how regularly you want to use it.

Already have a current account with us?
You can apply for an arranged overdraft online if you are registered for Digital Banking. Take a look at the overdraft available to you and decide if it's right for your needs.
Available to eligible Royal Bank of Scotland current account customers, UK residents aged 18 or over. Subject to lending criteria.

New to Royal Bank of Scotland?
You'll need a current account with us before you can apply for an arranged overdraft. Start by exploring our current account range and how you could switch.
Account eligibility and criteria apply.
Step-by-step guide to applying online
Mobile banking app
Our mobile banking app helps you keep track of your spending on the go. Keep an eye on money coming in and out of your account.
App criteria apply.
Free text alerts
You can set up free text alerts and get notifications when your balance goes above or below a certain limit. We can also let you know if you're about to slip into an unarranged overdraft.
Overdraft, credit card or loan?
If you're unsure which type of borrowing to use, we'll walk you through your options to help you decide what's right for you.