These costs are a guide. The real cost of your overdraft will depend on how you use it.

The calculator assumes you’ve borrowed one fixed amount for all the days you’re overdrawn. You may find you dip in and out of your arranged overdraft instead or use more and more as the month goes by. Also, the calculator doesn't factor in any free periods if your account has an offer. So, the actual cost of your arranged overdraft could be lower.


Nationwide adheres to The Standards of Lending Practice, which are monitored and enforced by the LSB: (opens in a new window).