View or change overdraft

Confirmation of your request

To receive an instant decision online, we recommend that you submit your request during the following hours when we are able to immediately confirm your arranged overdraft limits:

• Monday to Saturday 6am - 11pm
• Sunday 6am - 6pm

If you submit your request outside the above hours, or if we have to carry out further checks, we will reply to your request with a secure message within 3 working days.

Availability

When your arranged overdraft application has been successful, the arranged overdraft will be added to your account from the second working day following approval. We'll send you a letter of confirmation.

This arranged overdraft is available to you on an ongoing basis. After 6 months we will review your arranged overdraft limit. If we need to make a change to your limit we will contact you in writing at least 14 days beforehand advising of this change. We will continue to review your arranged overdraft limit on a 6 monthly basis.

If your request for an arranged overdraft is declined

If you’d like to appeal our decision regarding your arranged overdraft request, you can ask for an appeals form in any Nationwide branch. Return the completed form to branch and we’ll be in touch.

You can register for Internet Banking, download our Banking app (you will need to be registered for internet banking) or you can visit us in branch.

We review the amount every 6 months, and may reduce your arranged 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.