Where you can manage an arranged overdraft

You can apply for, change or remove an arranged overdraft on your Nationwide current account in:

You’ll be able to see the arranged overdraft on your account within 2 working days. We'll send a letter to you confirming your arranged overdraft in the post and review your arranged overdraft every 6 months.


You must be over 18 years old to apply. We’ll also look at your circumstances before we offer you an arranged overdraft or change your limit.

Things to consider

Check if you qualify first – apply for an arranged overdraft and we’ll let you know if you qualify for the amount you’ve requested. If your chosen amount is above the maximum amount we’d offer you, you’ll see a message showing the amount you can apply for. You’ll then have the option to apply for this amount or cancel your arranged 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 have an unarranged overdraft which hasn't been agreed with us, and can affect your credit score. You will not be able to withdraw cash or transfer money until your account balance is back in credit or within its limit.

Our decision - we base our decision on your individual circumstances, by looking at things like:

  • your income
  • your credit score
  • how you use your Nationwide current account
  • your employment and marital status and whether you have dependants.

How to apply for or manage your arranged overdraft

In the Internet Bank

You can do this by logging into the Internet Bank.

Once you're logged in:

  1. select View accounts
  2. select your account from the list
  3. select Overdraft options from the menu on the left side of the page
  4. follow the on-screen instructions to change your limit.

If you can't see Overdraft options, it could be because:

  • an arranged 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 arranged overdraft.

In our Banking app

If you haven’t already, you’ll need to download our Banking app.

Once you’re logged in:

  1. select your current account
  2. select Manage overdraft at the bottom of the screen.

How long will it take to decide about an overdraft?

To receive an instant decision online, it’s best to make your request during the following hours, when we can usually confirm your arranged overdraft limit straight away:

Monday to Saturday, 6am to 11pm
Sunday, 6am to 6pm

If you make your request outside these hours, or if we have to carry out further checks, we'll reply to you with a secure message within 3 working days.

When the arranged overdraft will be available

If your application has been successful, the arranged overdraft will be added to your account 2 working days after we approve it. We’ll also send you a confirmation letter.

If your request for an arranged overdraft is declined

To appeal against a declined decision for an arranged overdraft request, you can ask for an appeals form in any Nationwide branch. Return the completed form to a branch and we’ll be in touch as soon as we can.

How we manage your arranged overdraft

We review the amount of your arranged overdraft every 6 months.

We may reduce your arranged overdraft or, in exceptional circumstances, withdraw it completely. This would only happen after carrying out a number of checks on the way you use your current account, the way you use any other Nationwide account and your overall credit rating.

If we need to make a change to your limit, we'll contact you in writing at least 14 days before we make a change.