Use Internet Banking, the Banking app, call us or go into branch to apply for, amend or remove an overdraft on your current account. See the funds available within 2 working days. We'll send a letter to confirm your overdraft in the post, and review your overdraft every 6 months. You must be over 18 years old to apply.

Things to be aware of

  • ​Maximum amount you can apply for - if your chosen amount is above the maximum overdraft facility for your account, you'll see a message showing the amount you can apply for. You'll then then be given the option to apply for this amount, or cancel your overdraft application.
  • Increasing your limit frequently - this is recorded on your credit reference file and may affect your ability to get credit in the future.
  • Going over your arranged overdraft limit - this means you then have an unarranged overdraft which hasn't been agreed with us.
  • Our decision - we base it on how you conduct your Nationwide accounts, our responsible lending approach, and credit reference agency checks.

Internet banking

1. Log in to Internet banking.
2. Go to your current account and the drop down list 'Common activites'
3. Select 'Manage overdraft' and choose 'Go'.
4. Change your limit or remove your overdraft.

If you can't see 'Manage overdraft', it's because:


  • an overdraft isn't available on your account
  • you have charges pending on your account
  • when you opened the account, you chose not to have an overdraft.

Banking app

1. Select 'mini statements'.
2. Choose 'overdraft options'.
3. Apply for or manage an overdraft.

To get an instant decision online, submit your request Monday to Saturday 6am - 11pm, or on Sunday from 6am - 6pm when we're available to confirm your overdraft limits. If you submit your request outside these hours, or if we have to carry out further checks, we'll get back to you by secure message within 3 working days.

Don't bank online?

Call us on 0800 30 20 11 or visit us in branch

How we manage your overdraft

We review the amount every 6 months, and may reduce your overdraft, or in exceptional circumstances, withdraw it completely. But only after carrying out a number of checks on the conduct of your current account, any other Nationwide account and your credit rating generally.

We notify you in writing about any changes at least 28 days before a change is made, and on your monthly statement.

Contact us

Visit us in branch

If you need to speak to a member of staff, pop into any branch. Use our branch finder to find your nearest location.

Contact us

Give us a call

You can get in touch with us over the phone. We’ve made it easy to find the best number to call.

Call us