---
title: The UK business overdraft leaderboard | −overdrafts.com
description: The real 30-day cost of a £25,000 arranged business overdraft at 7 UK banks, ranked cheapest first. Arrangement fees shown beside every rate. Verified every day.
image: https://overdrafts.com/brand/og-default.png
canonical: https://overdrafts.com/business/
updated: 2026-08-29
---

# 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.

## Click into your bank for more details

BankCost · 30 days

1.  [1NatWest Business5.25% EAR · £300 fee−£105.36](https://overdrafts.com/business/natwest/)
2.  [2RBS Business5.25% EAR · £300 fee−£105.36](https://overdrafts.com/business/rbs/)
3.  [3Co-operative Bank Business10.2% EAR−£200.37](https://overdrafts.com/business/co-operative/)
4.  [4Virgin Money Business13% EAR−£252.40](https://overdrafts.com/business/virgin-money/)
5.  [5Barclays Business13.3% EAR · fee applies−£257.90](https://overdrafts.com/business/barclays/)
6.  [6HSBC Business14.54% EAR−£280.51](https://overdrafts.com/business/hsbc/)
7.  [7Lloyds Business15.62% EAR−£300.02](https://overdrafts.com/business/lloyds/)

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 →](https://overdrafts.com/methodology/)

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