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Protect your business with a financial cushion

Business overdraft

To apply you must be 18+, an existing NatWest International Business account holder and resident in the Channel Islands, Gibraltar or Isle of Man. Your business must be registered in the Channel Islands, Gibraltar or Isle of Man. 

Security may be required. Product fees may apply. Subject to status, business use only. Any property or assets used as security, which may include your home, may be repossessed or forfeited if you do not keep up repayments on any debt secured on it.

On this page
About business overdrafts
Overdraft details
What you'll pay
Common questions
How to apply

About our business overdraft

Apply for an overdraft on your business account so you can be secure in the knowledge that any unexpected financial burdens will be covered in a flexible safety net. You won’t be charged any interest if you don’t use your agreed limit and you can access the money any time within the overdraft limit. 

  • Pay interest only on the amount you borrow
  • No set minimum to pay back each month
  • Ideal for unexpected bills or emergencies 

Security may be required. Product fees may apply. Over 18s only. Subject to status, business use only.

Overdraft details

Flexible monthly payments

No set minimum payments

Manage your overdraft by paying as much or as little as you want every month with the peace of mind in knowing there is no set minimum payment.

Boost and manage cashflow

Boost cashflow for unexpected costs

An overdraft is there when you need it, for the unexpected moments and if you don’t use it then you don’t pay any interest.

What fees and rates apply to overdrafts?

Overdraft amount

Business Buffer Zone (£500)
Low Value Overdraft (£501 to £1,500)
Standard Overdraft (£1,501+)

Arrangement fee

£50
£100
1.5% (min £150)
If you apply for a limit of up to £500, you will pay an arrangement fee of £50 and a variable interest rate. For overdrafts between £501 - £1,500, you will pay an arrangement fee of £100 and for overdrafts above £1,500, an arrangement fee of 1.5% or a minimum £150 fee is applied. All other fee’s including interest rates will be made available to you when completing your applications. The interest rate for an overdraft will be specifically catered for your business and you will be informed of this prior to completing your application. Security may be required.

Common questions about business overdrafts

Ready to apply?

Before you apply, we've outlined the business overdraft eligibility, along with our terms and conditions so you can make sure it's the right option for you.

Please check that you're eligible to apply

 You can apply for a business overdraft if you're:

  • an existing NatWest International business account holder
  • aged 18+
  • resident in the Channel Islands, Isle of Man or Gibraltar
  • business is registered in the Channel Islands, Isle of Man or Gibraltar

Please review our important information

Give us a call

Please give your local support team a call to discuss how we can help your business.

Jersey: 01534 282961

Guernsey: 01481 703845

Isle of Man: 01624 697741

Gibraltar: 00350 200 14400

Lines are open Monday to Tuesday 9:30am - 4:30pm, Wednesday 10:00am - 4:30pm and Thursday to Friday 9:30am - 4:30pm (except public holidays). Calls may be recorded.