---
title: RBS Business Overdraft Rate & Real 30-Day Cost (August 2026)
description: RBS Business charges −£105.36 in interest for 30 days overdrawn at £25,000 (5.25% representative EAR, plus a £300 arrangement fee). See the full cost table and how it compares with all 7 business overdrafts we track.
image: https://overdrafts.com/brand/og/rbs-business.png
canonical: https://overdrafts.com/business/rbs/
updated: 2026-08-29
---

# RBS Business overdraft: the real cost

The second-cheapest overdraft on the board right now.

## What 30 days overdrawn costs

| Amount overdrawn | Interest over 30 days |
| --- | --- |
| £10,000 | −£42.14 |
| £25,000 | −£105.36 |
| £50,000 | −£210.72 |

5.25% EAR (representative) · £300 arrangement fee

## How the £25,000 figure is worked out

Amount charged interest

£25,000

Daily rate from 5.25% EAR

0.0140%

Interest over 30 days

−£105.36

The table ranks interest only. RBS Business also charges a £300 arrangement fee, shown beside the rate and not included in the figures above.

#2 of 7 cheapest at £25,000 · cheapest right now: [NatWest Business →](https://overdrafts.com/business/natwest/)

## Common questions

### How much does the RBS Business overdraft cost?

At £25,000 overdrawn for 30 days, RBS Business charges −£105.36 in interest at its representative 5.25% EAR. At £10,000 it’s −£42.14; at £50,000, −£210.72. A £300 arrangement fee applies on top.

### Is the RBS Business business overdraft the cheapest?

Not at £25,000 overdrawn: it ranks #2 of 7 on interest. The cheapest right now is NatWest Business. Compare arrangement fees too; they sit outside the ranked figure.

### Why is the rate called representative?

Business overdrafts are priced to the applicant. The representative EAR is the rate the bank expects at least 51% of accepted customers to get, and it is the figure the bank itself publishes. Your offer can differ.

[← Back to the business leaderboard](https://overdrafts.com/business/#board)

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