---
title: NatWest Overdraft Rate & Real 30-Day Cost (August 2026)
description: NatWest charges −£6.93 for 30 days overdrawn at £250 (39.49% EAR). See the full cost table and how it compares with all 15 UK banks.
image: https://overdrafts.com/brand/og/natwest.png
canonical: https://overdrafts.com/natwest/
updated: 2026-08-28
---

# 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 →](https://overdrafts.com/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](https://www.natwest.com/current-accounts/overdrafts.html) · 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.

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

```json
{"@context":"https://schema.org","@type":"WebSite","@id":"https://overdrafts.com/#website","url":"https://overdrafts.com/","name":"overdrafts.com","description":"The UK overdraft leaderboard. Every bank ranked by real cost, verified every day.","inLanguage":"en-GB"}
{"@context":"https://schema.org","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https://overdrafts.com/"},{"@type":"ListItem","position":2,"name":"NatWest","item":"https://overdrafts.com/natwest/"}]}
```