Your Overdraft Charges

 Braille, large print or audio format?

 If you’d like this information in another format,
call us on 03457 888 444 (Minicom 0800 404 6161)

The product(s) mentioned in this literature is/are covered by the Financial Services Compensation
Scheme (FSCS).
The FSCS can pay compensation to depositors if a bank is unable to meet its financial obligations.
For further information about the compensation provided by the FSCS, refer to the FSCS website
www.FSCS.org.uk
Our main business is banking and financial services. We will provide you with banking services in
accordance with the terms which apply to your account. We are authorised by the Prudential Regulation
Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.
We are entered on the Financial Services Register and our registration number is 121878.
Calls may be recorded.

National Westminster Bank Plc,

Registered Office: 250 Bishopsgate,­
London EC2M 4AA
Registered Number: 929027, England and Wales NWB6719  30 November 2019

Generated at: Wed Oct 23 12:24:55 2019

 Important information Overdraft Charges

Arranged overdraft Arranged Overdraft

Unarranged Overdrafts
Remember, if you go over (or you try to go over) your arranged overdraft limit, you may incur

about your overdraft

additional fees. A reminder of these fees is included below:
interest Usage Fee
Type of Monthly Buffer (£6 per monthly
Fee When could it be charged? Amount Maximum
account account Nominal Effective charging period if you
fee use your arranged Unarranged
Annual Annual If an unarranged overdraft of more 9 fees per charging
By using an Overdraft you are creating a borrowing Rate % Rate % overdraft by more Overdraft
Usage Fee
than £10 is created on your account
£8 per day
period (£72)
than your buffer)
facility that you are responsible for repaying Select – £10 18.28 19.89 ✓ Unpaid
If you instruct a payment that would
1 fee per charging
create an unarranged overdraft and £2.75
Reward £2 £10 18.28 19.89 ✓ Transaction Fee period (£2.75)
we decide not to make the payment
If you do not repay what is owed this could have a negative impact on your credit profile,
which most lenders use to assess whether to lend or not. Select Silver £8 £10 18.28 19.89 ✓
Reward Silver £10 £10 18.28 19.89 ✓ The monthly cap on unarranged overdraft charges for our current accounts is £80.
An overdraft is most suitable for short-term borrowing or emergencies.
Select Platinum £18 £250 18.28 19.89 ✓ Further details can be found in Your Current Account Terms which are available in branch
There are 2 types of overdrafts: or online at www.natwest.com
Reward Platinum £20 £250 18.28 19.89 ✓
An arranged overdraft is a facility you agree up front that allows you to spend more than All the accounts listed overleaf can incur these fees but Student accounts won’t be charged
you have in your account up to a certain limit. Black £30 £500 13.96 14.89 ✓
Unarranged Overdraft Usage Fees.
An unarranged overdraft is when you spend more than you have in your account or exceed Reward Black £31 £500 13.96 14.89 ✓
your current arranged limit without agreeing it with us up front. Please refer to
Definitions:
Tailored – £0 your overdraft ✗ Your charging period runs month to month, usually from the date you opened your account.
Both facilities accrue fees, however unarranged overdrafts will cost you more and may
cause payments to be rejected (e.g household bills, loan repayments etc). confirmation letter For example, if you opened your account on 15 August, your charging period will run from
Student – – 0.00 0.00 the 15th of each month to the 14th of the next month.
✗
You can also use our cost calculator and eligibility tool which can be found on our website
should you wish to use it in your own time. Year 1: £2,000 The Effective Annual Rate of interest is the actual yearly cost of arranged overdraft
Graduate – 16.50 17.81 ✗ interest because it takes into account that we charge interest monthly. This means that
Year 2: £1,000
You can reduce or remove your overdraft at any time; online, over the phone or in branch. you’ll pay interest on any interest that has been added to your arranged overdraft balance
If you are reducing your limit, your overdraft balance must be within the new limit requested. Arranged overdraft interest is calculated on the daily overdrawn balance (including arranged in the previous month. It doesn’t take account of any additional fees we may charge
overdraft interest) on your account. (for example, the Arranged Overdraft Usage Fee).
If you are removing your overdraft limit you must have repaid your whole balance.
The Nominal Annual Rate is the annual rate of interest you’ll pay for your arranged
When do you pay arranged overdraft interest if you have a buffer? overdraft, (it doesn’t take into account that you’ll pay interest on any interest that has
Alerts about your account If you have a Select, Reward, Select Silver, Reward Silver, Select Platinum, Reward Platinum, been added to your arranged overdraft balance in the previous month).
If we hold a UK mobile phone number, you’ll be registered for alerts to help you manage your Black or Reward Black account and you go overdrawn by more than your buffer or your
An unarranged overdraft is an overdrawn balance on your account which you didn’t
overdraft and to avoid unarranged overdraft charges or payments being declined. We’ll text account limit (whichever is lower), you’ll pay arranged overdraft interest on the whole
arrange with us in advance.
you if it looks like you’re about to go into or if you’re in your arranged overdraft. We’ll also arranged overdraft balance.
text you if you’re in an unarranged overdraft or if there’s not enough money in your account
If you have a Graduate account and you go overdrawn by more than the buffers set out
to make a payment you’ve set up. If we can’t text in advance, we’ll send one the next day.
above, you’ll pay arranged overdraft interest on the amount of the overdrawn balance
You can make changes to how you get these alerts (including receiving them by email) that exceeds the buffer at the rates shown above.
and set up other helpful alerts on the ‘Alerts’ page in Online Banking, via the mobile app,
at branch or by calling us.

Generated at: Wed Oct 23 12:24:55 2019

 Important information Overdraft Charges

Arranged overdraft Arranged Overdraft

Unarranged Overdrafts
Remember, if you go over (or you try to go over) your arranged overdraft limit, you may incur

about your overdraft

additional fees. A reminder of these fees is included below:
interest Usage Fee
Type of Monthly Buffer (£6 per monthly
Fee When could it be charged? Amount Maximum
account account Nominal Effective charging period if you
fee use your arranged Unarranged
Annual Annual If an unarranged overdraft of more 9 fees per charging
By using an Overdraft you are creating a borrowing Rate % Rate % overdraft by more Overdraft
Usage Fee
than £10 is created on your account
£8 per day
period (£72)
than your buffer)
facility that you are responsible for repaying Select – £10 18.28 19.89 ✓ Unpaid
If you instruct a payment that would
1 fee per charging
create an unarranged overdraft and £2.75
Reward £2 £10 18.28 19.89 ✓ Transaction Fee period (£2.75)
we decide not to make the payment
If you do not repay what is owed this could have a negative impact on your credit profile,
which most lenders use to assess whether to lend or not. Select Silver £8 £10 18.28 19.89 ✓
Reward Silver £10 £10 18.28 19.89 ✓ The monthly cap on unarranged overdraft charges for our current accounts is £80.
An overdraft is most suitable for short-term borrowing or emergencies.
Select Platinum £18 £250 18.28 19.89 ✓ Further details can be found in Your Current Account Terms which are available in branch
There are 2 types of overdrafts: or online at www.natwest.com
Reward Platinum £20 £250 18.28 19.89 ✓
An arranged overdraft is a facility you agree up front that allows you to spend more than All the accounts listed overleaf can incur these fees but Student accounts won’t be charged
you have in your account up to a certain limit. Black £30 £500 13.96 14.89 ✓
Unarranged Overdraft Usage Fees.
An unarranged overdraft is when you spend more than you have in your account or exceed Reward Black £31 £500 13.96 14.89 ✓
your current arranged limit without agreeing it with us up front. Please refer to
Definitions:
Tailored – £0 your overdraft ✗ Your charging period runs month to month, usually from the date you opened your account.
Both facilities accrue fees, however unarranged overdrafts will cost you more and may
cause payments to be rejected (e.g household bills, loan repayments etc). confirmation letter For example, if you opened your account on 15 August, your charging period will run from
Student – – 0.00 0.00 the 15th of each month to the 14th of the next month.
✗
You can also use our cost calculator and eligibility tool which can be found on our website
should you wish to use it in your own time. Year 1: £2,000 The Effective Annual Rate of interest is the actual yearly cost of arranged overdraft
Graduate – 16.50 17.81 ✗ interest because it takes into account that we charge interest monthly. This means that
Year 2: £1,000
You can reduce or remove your overdraft at any time; online, over the phone or in branch. you’ll pay interest on any interest that has been added to your arranged overdraft balance
If you are reducing your limit, your overdraft balance must be within the new limit requested. Arranged overdraft interest is calculated on the daily overdrawn balance (including arranged in the previous month. It doesn’t take account of any additional fees we may charge
overdraft interest) on your account. (for example, the Arranged Overdraft Usage Fee).
If you are removing your overdraft limit you must have repaid your whole balance.
The Nominal Annual Rate is the annual rate of interest you’ll pay for your arranged
When do you pay arranged overdraft interest if you have a buffer? overdraft, (it doesn’t take into account that you’ll pay interest on any interest that has
Alerts about your account If you have a Select, Reward, Select Silver, Reward Silver, Select Platinum, Reward Platinum, been added to your arranged overdraft balance in the previous month).
If we hold a UK mobile phone number, you’ll be registered for alerts to help you manage your Black or Reward Black account and you go overdrawn by more than your buffer or your
An unarranged overdraft is an overdrawn balance on your account which you didn’t
overdraft and to avoid unarranged overdraft charges or payments being declined. We’ll text account limit (whichever is lower), you’ll pay arranged overdraft interest on the whole
arrange with us in advance.
you if it looks like you’re about to go into or if you’re in your arranged overdraft. We’ll also arranged overdraft balance.
text you if you’re in an unarranged overdraft or if there’s not enough money in your account
If you have a Graduate account and you go overdrawn by more than the buffers set out
to make a payment you’ve set up. If we can’t text in advance, we’ll send one the next day.
above, you’ll pay arranged overdraft interest on the amount of the overdrawn balance
You can make changes to how you get these alerts (including receiving them by email) that exceeds the buffer at the rates shown above.
and set up other helpful alerts on the ‘Alerts’ page in Online Banking, via the mobile app,
at branch or by calling us.

Generated at: Wed Oct 23 12:24:55 2019

 Important information Overdraft Charges

Arranged overdraft Arranged Overdraft

Unarranged Overdrafts
Remember, if you go over (or you try to go over) your arranged overdraft limit, you may incur

about your overdraft

additional fees. A reminder of these fees is included below:
interest Usage Fee
Type of Monthly Buffer (£6 per monthly
Fee When could it be charged? Amount Maximum
account account Nominal Effective charging period if you
fee use your arranged Unarranged
Annual Annual If an unarranged overdraft of more 9 fees per charging
By using an Overdraft you are creating a borrowing Rate % Rate % overdraft by more Overdraft
Usage Fee
than £10 is created on your account
£8 per day
period (£72)
than your buffer)
facility that you are responsible for repaying Select – £10 18.28 19.89 ✓ Unpaid
If you instruct a payment that would
1 fee per charging
create an unarranged overdraft and £2.75
Reward £2 £10 18.28 19.89 ✓ Transaction Fee period (£2.75)
we decide not to make the payment
If you do not repay what is owed this could have a negative impact on your credit profile,
which most lenders use to assess whether to lend or not. Select Silver £8 £10 18.28 19.89 ✓
Reward Silver £10 £10 18.28 19.89 ✓ The monthly cap on unarranged overdraft charges for our current accounts is £80.
An overdraft is most suitable for short-term borrowing or emergencies.
Select Platinum £18 £250 18.28 19.89 ✓ Further details can be found in Your Current Account Terms which are available in branch
There are 2 types of overdrafts: or online at www.natwest.com
Reward Platinum £20 £250 18.28 19.89 ✓
An arranged overdraft is a facility you agree up front that allows you to spend more than All the accounts listed overleaf can incur these fees but Student accounts won’t be charged
you have in your account up to a certain limit. Black £30 £500 13.96 14.89 ✓
Unarranged Overdraft Usage Fees.
An unarranged overdraft is when you spend more than you have in your account or exceed Reward Black £31 £500 13.96 14.89 ✓
your current arranged limit without agreeing it with us up front. Please refer to
Definitions:
Tailored – £0 your overdraft ✗ Your charging period runs month to month, usually from the date you opened your account.
Both facilities accrue fees, however unarranged overdrafts will cost you more and may
cause payments to be rejected (e.g household bills, loan repayments etc). confirmation letter For example, if you opened your account on 15 August, your charging period will run from
Student – – 0.00 0.00 the 15th of each month to the 14th of the next month.
✗
You can also use our cost calculator and eligibility tool which can be found on our website
should you wish to use it in your own time. Year 1: £2,000 The Effective Annual Rate of interest is the actual yearly cost of arranged overdraft
Graduate – 16.50 17.81 ✗ interest because it takes into account that we charge interest monthly. This means that
Year 2: £1,000
You can reduce or remove your overdraft at any time; online, over the phone or in branch. you’ll pay interest on any interest that has been added to your arranged overdraft balance
If you are reducing your limit, your overdraft balance must be within the new limit requested. Arranged overdraft interest is calculated on the daily overdrawn balance (including arranged in the previous month. It doesn’t take account of any additional fees we may charge
overdraft interest) on your account. (for example, the Arranged Overdraft Usage Fee).
If you are removing your overdraft limit you must have repaid your whole balance.
The Nominal Annual Rate is the annual rate of interest you’ll pay for your arranged
When do you pay arranged overdraft interest if you have a buffer? overdraft, (it doesn’t take into account that you’ll pay interest on any interest that has
Alerts about your account If you have a Select, Reward, Select Silver, Reward Silver, Select Platinum, Reward Platinum, been added to your arranged overdraft balance in the previous month).
If we hold a UK mobile phone number, you’ll be registered for alerts to help you manage your Black or Reward Black account and you go overdrawn by more than your buffer or your
An unarranged overdraft is an overdrawn balance on your account which you didn’t
overdraft and to avoid unarranged overdraft charges or payments being declined. We’ll text account limit (whichever is lower), you’ll pay arranged overdraft interest on the whole
arrange with us in advance.
you if it looks like you’re about to go into or if you’re in your arranged overdraft. We’ll also arranged overdraft balance.
text you if you’re in an unarranged overdraft or if there’s not enough money in your account
If you have a Graduate account and you go overdrawn by more than the buffers set out
to make a payment you’ve set up. If we can’t text in advance, we’ll send one the next day.
above, you’ll pay arranged overdraft interest on the amount of the overdrawn balance
You can make changes to how you get these alerts (including receiving them by email) that exceeds the buffer at the rates shown above.
and set up other helpful alerts on the ‘Alerts’ page in Online Banking, via the mobile app,
at branch or by calling us.

Generated at: Wed Oct 23 12:24:55 2019

 Your Overdraft Charges
 Braille, large print or audio format?
 If you’d like this information in another format,
call us on 03457 888 444 (Minicom 0800 404 6161)

The product(s) mentioned in this literature is/are covered by the Financial Services Compensation
Scheme (FSCS).
The FSCS can pay compensation to depositors if a bank is unable to meet its financial obligations.
For further information about the compensation provided by the FSCS, refer to the FSCS website
www.FSCS.org.uk
Our main business is banking and financial services. We will provide you with banking services in
accordance with the terms which apply to your account. We are authorised by the Prudential Regulation
Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.
We are entered on the Financial Services Register and our registration number is 121878.
Calls may be recorded.

National Westminster Bank Plc,

Registered Office: 250 Bishopsgate,­
London EC2M 4AA
Registered Number: 929027, England and Wales NWB6719  30 November 2019

Generated at: Wed Oct 23 12:24:55 2019

 Your Overdraft Charges
 Braille, large print or audio format?
 If you’d like this information in another format,
call us on 03457 888 444 (Minicom 0800 404 6161)

The product(s) mentioned in this literature is/are covered by the Financial Services Compensation
Scheme (FSCS).
The FSCS can pay compensation to depositors if a bank is unable to meet its financial obligations.
For further information about the compensation provided by the FSCS, refer to the FSCS website
www.FSCS.org.uk
Our main business is banking and financial services. We will provide you with banking services in
accordance with the terms which apply to your account. We are authorised by the Prudential Regulation
Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.
We are entered on the Financial Services Register and our registration number is 121878.
Calls may be recorded.

National Westminster Bank Plc,

Registered Office: 250 Bishopsgate,­
London EC2M 4AA
Registered Number: 929027, England and Wales NWB6719  30 November 2019

Generated at: Wed Oct 23 12:24:55 2019