Which bank costs your business least when it’s overdrawn?
The real 30-day cost of a £25,000 arranged business overdraft, ranked by interest. Arrangement fees shown beside every rate. Verified every day against the banks’ own feeds and pages.
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BankCost · 30 days
- 1NatWest Business5.25% EAR · £300 fee−£105.36
- 2RBS Business5.25% EAR · £300 fee−£105.36
- 3Co-operative Bank Business10.2% EAR−£200.37
- 4Virgin Money Business13% EAR−£252.40
- 5Barclays Business13.3% EAR · fee applies−£257.90
- 6HSBC Business14.54% EAR−£280.51
- 7Lloyds Business15.62% EAR−£300.02
Rates checked 28 August 2026 · Assumes 30 days continuously overdrawn in a £25,000 arranged business overdraft · Ranked by interest; arrangement fees shown, not included · No bank pays to be here · How we rank →