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Banking with NatWest
How to manage payment limits Open in new window
How to pay someone new Open in new window
How to pay a saved payee Open in new window
Common questions Open in new window
More payment options Open in new window
App available to customers aged 11+ with compatible iOS and Android devices and a UK or international mobile number in specific countries.Online Banking available to customers aged 11+ with a NatWest account.Biometric approval is available to eligible mobile app customers aged 16 or over.
Payment limits
Account type
Personal
Personal
Premier
Premier
Description
Everyday payment
One off higher value payment
Everyday payment
One off higher value payment
Daily limit
between £0-£20,000*
between £0-£100,000***
between £0-£50,000*
between £0-£100,000***
Payment type
Faster Payment
Faster Payment
Faster Payment
Faster Payment
Frequency
Daily**
2 in 7 days (1 per day), 4 in 28 days****
Daily**
2 in 7 days (1 per day), 4 in 28 days****
Time taken
Up to 2 hours
Up to 2 hours
Up to 2 hours
Up to 2 hours
*You can change your payment limits via the NatWest mobile app & Online Banking if you have registered for biometric approval. You can also change them using Online Banking with a card reader. A daily maximum limit of £20,000 applies. If you need to make a payment from the NatWest mobile app for more than £750, you can do this today using biometrics. **Payments made after 6:30pm on a Friday, or payments made on a Saturday, Sunday or bank holiday will form part of the next working day's allowance. ***In order to make an additional high value payment, you must be fully verified and registered with biometrics.****2 payments in 7 days (limited to 1 per day) with a maximum of 4 in a 28 day period.
Account type
Personal
Premier
Daily limit
between £0 and personalised limit up to£20,000*
between £0 and personalised limit up to£50,000*
Payment type
Faster Payment
Faster Payment
Time taken
Up to 2 hours
Up to 2 hours
*If you want toamend your personalised payment limit,set up or amend a payee in Online Banking you will need a card-reader or your mobile app if you have registered for biometric approval. However, you shouldn't need a card reader to arrange a payment to someone you have already paid online.
For more information about different payment types and payment limits please see our common questions below.
More control of your own payment limit
Personalise how much you're able to pay someone from your mobile app or Online Banking by setting your own payment limit. Follow our step-by-step guide to find out how.
Making a personalised limit change
Step-by-step guide
Making a personalised limit change
If you need to make a payment above your current limit then you must complete a change of limit. You'll need to authorise this with a card reader or your mobile app if you have registered forbiometric approval.
What you’ll need:
- To be registered for mobile or Online Banking
- To be registered for biometric approval if using the NatWest banking app
Your step-by-step guide:
- If you require to change your 'Payment limits' using Online Banking, log in to Online Banking, select 'Payments and transfers’, ‘Make a payment or transfer’ then 'Manage my personal payment limits'.
- To change your 'Payment limits' using the NatWest banking app, tap on the ‘Payments’ icon at the bottom of the screen, select ‘Payments settings’ and then ‘Payment limits’.
- Select the limit you wish to amend.
- Select the amount you wish your limit to be set to.
- Select ‘Next’ to navigate to the next page.
- If correct, you will need to use biometric approval to complete the limit change within our app. Please follow the on-screen instructions.
- You will see the limit change confirmation screen. You can now continue with making any payments.
View common questions
Paying someone new
It’s easy to pay someone new using just their name, account number and sort code.
By mobile - what you'll need
The latest version of the NatWest app already installed on your device.
The first and last name of the person you are looking to pay or the full company trading name of the business you are looking to pay.
Your step-by-step guide:
Open the NatWest banking app and select the ‘Payments’ icon at the bottom of the screen. Make sure you have selected the account you wish to make the payment from.
Select ‘Send money’, ‘Make a payment’, then ‘Pay someone new’.Enter the payee’s first and last name, select the account type (Personal or Business), then the account number, sort code and reference details.
Select ‘Verify payee’ to confirm payee details. Where a Confirmation of Payee (CoP) check is performed you will receive a response to let you know if the name you have entered matches the details for the account. If the response from the payee's bank is ‘close match, no match or unable/unavailable’ we will give you advice on what to do next.
Choose the amount you wish to send, add a reference for the payment, a payee nickname (optional), then choose the date you want to send the money on: now or in the future.
If you have signed up for biometric approval you will be asked to authorise this payment with your selected biometric. If you have not signed up for biometric approval then you may be asked to authorise this payment. If this happens you will see the ‘Authentication required’ screen. Just tap ‘Next’.
Check and confirm the payment details are correct and tap 'Make payment'. That's it, payment made! You can also add this payee to your favourites to make quicker and easier payments to them in the future.
You must be aged 16 or over.
To provide you with extra protection against fraud and scams, you can set your everyday payment limit to an amount that suits you up to a maximum daily amount of £20,000. You will need to be registered for biometrics to change these limits in the app.
To make a higher value payment above this limit, you must be fully verified and be registered for biometrics. You can make 2 higher value payments in 7 days (limited to 1 per day) up to a maximum of 4 in any 28 day period.
If you are not registered for biometrics and you are paying someone new, these payments will be limited to 5 payments a day totalling £750.
App available to customers aged 11+ with compatible iOS and Android devices and a UK or international mobile number in specific countries.
Online - what you'll need
To be registered for Online Banking.
Your debit card and card reader or your mobile app if you have registered for biometric approval*.
The payee details - this includes the first and last name of the person you are looking to pay, as well as the account type, account number and sort code.
Your step-by-step guide:
Login to Online Banking. Select 'Payments & transfers' from the main menu, choose which account you want to make the payment from, and click on 'Pay someone new'.
Type in the first and last name of the payee or the full company trading name (up to 140 characters, acceptable special characters are '/', '&' and '-'). Type in the payee's sort code and account number. Select the account type (Personal or Business).
Click next, where a Confirmation of Payee (CoP) check is performed you will receive a response to let you know if the name you have entered matches the details for the account. If the response from the Payee's bank is ‘close match, no match or unable/unavailable’ we will give you advice on what to do next.
Review and edit the payee name – the payee name will be prepopulated from the full name you provided but you have the option to edit it. The payee name will appear on your statement and the payee list. Type in a reference - this should be something to help identify you to the payee (up to 18 characters, acceptable special characters are '/', '&' and '-').
Click next, enter the amount you wish to pay, then select ‘Pay now’ or ‘Choose a date’ if you want to schedule this payment to leave on a future date. Click next again.
Before completing your payment you can review the details entered. If correct you will now need your debit card and card reader or your mobile app if you have registered for biometric approval - follow the on screen instructions. Once completed you will see the payment confirmation and the option to print your transaction.
Online Banking available to customers aged 11+ with a NatWest account.
When making the first payment in Online Banking, a card readeror your mobile app (if you have registered for biometric approval) will be required.
You must be aged 16 or over.
Paying a saved payee
If you have made a payment before via Online Banking or the mobile banking app, the payee details are automatically saved. The best part is, if you're using the same payment details, you don’t need a card reader or biometric approval to complete the transaction.
By mobile - your step-by-step guide:
Open the NatWest banking app and select the ‘Payments’ icon at the bottom of the screen. Make sure you have selected the account you wish to make the payment from.
Select ‘Send money’, ‘Make a payment’, then choose who you want to pay from your payee list.
Choose the amount you wish to send, add a reference for the payment, a payee nickname (optional), then choose the date you want to send the money on: now or in the future. Select ‘Continue’ to review payment details.
Check your payment details then select ‘Make payment’. That's it, payment made!
App available to customers aged 11+ with compatible iOS and Android devices and a UK or international mobile number in specific countries.
To provide you with extra protection against fraud and scams, you can set your everyday payment limit to an amount that suits you up to a maximum daily amount of £20,000. You will need to be registered for biometrics to change these limits in the app.
To make a higher value payment above this limit, you must be fully verified and be registered for biometrics. You can make 2 higher value payments in 7 days (limited to 1 per day) up to a maximum of 4 in any 28 day period.
If you are not registered for biometrics, to make a payment from the mobile app for more than £750, you'll need to have made at least one payment to that payee using Online Banking.
Online - your step-by-step guide:
Log in to Online Banking. Select 'Payments & transfers' from the main menu, choose which account you want to make the payment from, and from your list of saved payees select the person or company you want to pay.
Enter the amount you wish to pay, then select 'Pay now' or 'Choose a date' if you want to schedule this payment to leave on a future date. Click next.
Before completing your payment you can review the details entered. Once you have clicked on 'Confirm' you will be shown a summary of your newly arranged payment and you'll also have the option to print your transaction.
Online Banking available to customers aged 11+ with a NatWest account.
A daily limit of £20,000 applies when sending money to your saved payees for Personal customers and a daily limit of £50,000 will apply for Premier customers, unless you change your existing reference.
Common questions
Faster Payments will usually be received by the payee almost immediately after leaving your account, but can sometimes take up to 2 hours.
Payments and transfers that you make after 6:30pm Monday to Friday, at weekends and on bank holidays leave your account immediately, but will be deducted from the next working day payment limit and show on your statement as the next working day. Outside of these exception times, the date displayed will be the date you made the payment.
You can't recall or cancel a Faster Payment once you have sent it, and you would need to contact the payee and ask them to send the money back to you.
Scheduled payments
You can view, amend or cancel your scheduled payments in the mobile app or through your Online Banking.
- Standing orders:
We require at least 3 working days notice to amend your standing order. - Direct Debits:
You can cancel a Direct Debit online up to 8.20pm (UK time) on the day the payment is due to be taken from your account. Before you cancel a Direct Debit you should usually let the payee know that you're about to do this.
If you cancel your Direct Debit at or after 8.20pm (UK time) on the day the payment is due, future payments will have been cancelled. However the payment due on that day will already have been taken and we will not have been able to retrieve it.
If you want to set up or amend a payee in Online Banking you will need a card-reader or your mobile app if you have registered biometric approval. However, you shouldn't need one to arrange a payment to someone you have already paid online.
Make a payment using your mobile app
If you have signed up to biometric approval then you can make payments up to your personal payment limit by using the account number and sort code of the person or company you want to pay. If you have not signed up to biometric approval you can make up to 5 payments each working day subject to the £750 limit, or 20 payments over 4 working days.
However, with 'Pay someone new' you can send a maximum of £20,000 or £50,000 to Premier and Business customers in a single payment if you are registered for face biometrics. The recipient will appear in your saved payees after the first time you pay them and authorise using your face biometrics.
We use the term 'transfer' to cover the movement of money between accounts in your name that you hold with us.
We use the term 'payments' to cover the movement of money between your account and another person's account or from your account with us to an account you hold with another organisation.
Transfers between your accounts
As long as you have enough money in the account you want to transfer from the transfer to your other online account will take place immediately.
You can transfer up to £100,000 per transaction with a minimum limit of 1p. There is no daily maximum for the number of transfers you can make.
If you need to make a large value payment above the maximum payment limit, you can set up separate payments over a number of days.
Alternatively you canmake a CHAPS paymentthrough a branch. Remember to take your debit card and proof of identification with you.
CHAPS payments charges
£23 - To send to another bank
£21 - To send to another NatWest account
For a same day payment, you have until2.59pmto arrange the payment in branch, or3:15pmwhen faxed to the payment centre.
Find out more about how you can make a CHAPS payment.
Faster Payments
The Faster Payments Service is a leading payment mechanism that improves the speed of low-value electronic payments within the UK and allows for greater flexibility when compared to other payment methods such as BACS and CHAPS.
It allows you to make payments in near real time and provides a low cost alternative to same day sterling CHAPS payments for transactions up to £20,000.
If you are making a Faster Payment be careful as you can't recall or cancel once sent, so we'd suggest double checking any payment details so your payment gets to the right place
CHAPS payments
CHAPS stands for Clearing House Automated Payment System. This is a system that enables money to be transferred from one bank account to another on the same day. This is the method of payment that is used when the amount is over £20,000 per working day for Personal customers or £50,000 per working day for Premier customers.
Payments made on a Saturday, Sunday or bank holiday will form part of the next working day's allowance.
Find out more about payments
Use biometric approval to confirm it's really you
You are your strongest password so why not use your face (or voice which is coming soon) to approve your everyday banking needs and keep your accounts even more secure.
Biometric approval is available to eligible mobile app customers aged 16+.
Information Message
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Want to send money abroad?
You can make international payments quickly and safely using our mobile banking app or Online Banking.
- We don’t charge a fee to send standard international payments using online banking or the mobile app.
- Live rates, so thatyou know exactly how much you will pay when making a transaction.
Please be aware, the recipient bank may charge fees for international payments.
Information Message
Sending money abroad Open in new window
Transfer money between your accounts
It's quick and easy using our app or Online Banking.
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Making a transfer Open in new window
