NatWest overdraft: the real cost
Pricier than most overdrafts on the board.
What 30 days overdrawn costs
| Amount overdrawn | Cost over 30 days |
|---|---|
| £100 | −£2.77 |
| £250 | −£6.93 |
| £500 | −£13.87 |
39.49% EAR · No interest-free buffer
How the £250 figure is worked out
- Amount charged interest
- £250
- Daily rate from 39.49% EAR
- 0.0912%
- Cost over 30 days
- −£6.93
#12 of 15 cheapest at £250 · cheapest right now: First Direct →
Rate history
No rate changes on record: verified unchanged back to March 2022 across 161 archived snapshots of NatWest’s own pages, and checked daily since tracking began 28 August 2026.
Sources
- NatWest’s published overdraft rate page · checked 28 August 2026
Common questions
How much does the NatWest overdraft cost?
At £250 overdrawn for 30 days, NatWest charges −£6.93 at its advertised 39.49% EAR. At £100 it’s −£2.77; at £500, −£13.87.
Does NatWest have an interest-free buffer?
No. Interest applies from the first pound of an arranged overdraft.
Is NatWest the cheapest overdraft?
Not at £250 overdrawn: it ranks #12 of 15. The cheapest right now is First Direct. The full leaderboard has every bank.