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Ready to apply?

Our online application is available between 6.30am and 9.45pm. Please have your Digital Banking log-in details ready.

Let's get started. Do you have a Royal Bank of Scotland current account?

You need a Royal Bank current account in order to apply for an overdraft with us.

Don't worry, we can still give you an indication of whether we'll be able to provide an overdraft before you apply for a current account. It only takes 5 minutes and won't harm your credit rating.

You need a Royal Bank current account in order to apply for an overdraft with us.

Don't worry, we can still give you an indication of whether we'll be able to provide an overdraft before you apply for a current account. It only takes 5 minutes and won't harm your credit rating.