Contact Natwest Customer Service

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Customer Service Hours


Days Open Closed
Monday 00:00 23:59
Tuesday 00:00 23:59
Wednesday 00:00 23:59
Thursday 00:00 23:59
Friday 00:00 23:59
Saturday 00:00 23:59
Sunday 00:00 23:59

National Westminster Bank Plc, commonly known as NatWest, is the largest retail and commercial bank in the United Kingdom. Since 2000 it has been part of The Royal Bank of Scotland Group, ranked among the top 10 largest banks in the world by assets. It is considered one of the Big Four clearing banks.

Natwest Customer Service

You can call for all your enquiries and they are open 24/7.


Financial Services Compensation Scheme (FSCS)

On 3 July 2015, the Prudential Regulation Authority (PRA) announced that from 1 January 2016, the level of FSCS protection for personal and small business depositors will be reduced from £85,000 to £75,000. This limit applies to a customer’s total deposits held with the bank.

The £75,000 deposit protection limit is applicable from 3 July 2015 for eligible depositors who were not previously protect by FSCS but who are now included within the scope of the Scheme (as of 3 July 2015).

This limit applies to a customer’s total deposits held with the bank.

Summary of key changes

The change for the compensation limit will not take effect until 1 January 2016. This means that until 31 December 2015 customers will continue to be protected up to £85,000.

Until 31 December 2015persons that have remaining balances of more than £75,000 with the bank will be able to lessen their balances by up to £10,000 without incurring an Early Closure Charge (including fixed rate products). For example, if your total balance across deposit holding products is: – £79,000 – you will be able to withdraw up to £4,000 without an Early Closure Charge.

– £85,000 – you will be able to withdraw up to £10,000 without an Early Closure Charge

– £115,000 – you will be able to withdraw up to £10,000 without an Early Closure Charge and any further withdrawal will be subject to the Early Closure Charge associated with the relevant product(s).

– £75,000 or less – Customers wishing to access funds in one of our fixed rate products early would incur an Early Closure Charge in line with the terms of the account.

The compensation limit, and the right to withdraw excess funds above the limit free of Early Closure Charge or loss of interest applies to money held in:

– All Current Accounts

– All Savings Accounts – including cash ISAs, Fixed Term Savings Accounts and Fixed Rate Bonds

– Eligible structured deposit accounts, for example AutoPilot

The brilliant basics of Online Banking

Make international payments online, change your address online, view and print your statement when you need them, keep your money safe online and offline. This can be a great alternative for when you don’t have the Natwest telephone number to hand.

Login to Online Banking

  • Can help you 24/7
  • Pay people and Businesses online or on the move
  • View and print your certificates of interest
  • Online Banking is available to those aged 11 or over with a personal account.

Using A Card Reader In Online Banking

This will give you an extra layer of security, and you need one to set up some payments to pay bills or people, and to change your phone number online.

To order a card reader, login to Online Banking, choose ‘Security’ from the left hand menu, then choose ‘Order a card reader’ or call the Natwest phone banking number above.

Providing For Your Business’ Needs

Flexibility to suit your needs

Borrow from £1,000 up to £25,000 at a fixed rate. You know how much you’ll pay each month, allowing you to manage and cash flow in line with your plans. Terms are ranging from one year, up to ten years. Suitable for most types of small to medium sized businesses – from sole traders to partnerships and limited companies. Call the Natwest bank number to begin the application process.

No Arrangement Fees

They don’t charge any arrangement fees for small business loans.

Borrowing That Suits Your Needs

Whether you want a quick cash injection or a longer-term loan to help your business grow, Small Business Loan could give you what you need.

Discounted Rates

If you have an Advantage Business Account with NatWest you can benefit from a 1% discount on borrowing rates.

What do I need to open a current account with NatWest?

To open a current account with NatWest, you will need a valid photo ID. This could be a citizenship card, passport, driving licence, or other valid form of photo ID. In addition to this, you might need proof of residence like a bill for electricity or water, or even an old bank statement from your previous or current bank.

There may also be additional documents that are necessary but NatWest should let you know about these when the time comes to open your account in person.

I’m thinking about taking out a loan, but what can I use it for?

Taking out a personal loan from the bank is a good way of obtaining credit for a major life purchase. You can use a personal loan from NatWest for many purposes, and very few things are off-limits.

For example, you may want to carry out home improvements like decoration, purchase a new vehicle, or pay for an expensive wedding coming up. All of these are perfectly acceptable uses of a personal bank loan. You can even split your loan for two or more purposes. Call the Natwest contact number on this page to begin the process.

How soon after applying for a loan and being accepted will it be in my account?

If you’re a customer of NatWest and use online banking, then once the loan has been accepted and approved by the company then it will be deposited into your account the very next day (not including weekends and bank holidays).

Note that this is once you’ve completed the application and it has been submitted and accepted, and not before you receive confirmation from NatWest of your loan’s success. You are then free to use the money for its intended purpose from the day that it enters your account. Call Natwest customer services if you have additional queries.

After I apply for the loan, what happens next?

NatWest, on receipt of your application, print the loan documents and then dispatch them to you by delivery or by courier as soon as reasonably possible. You may then need to sign the agreement and provide some additional information before sending it back.

Upon receipt of the documents, NatWest will push your application through their standard process and make a decision on the outcome. If approved your loan will be transferred the next working day after the application has been finalised. You can also call the Natwest phone number to check the status of your loan anytime during the process.

What affects my credit score for a loan and how can I make it better?

NatWest offers some general advice on increasing your credit score. Each lender will have their own criteria to look for when inspecting a credit score, but generally having a history of not defaulting on loans or bill payments, having the same occupation and at the same place of work for a long period of time, owning your own flat or house, and being registered on the electoral role all help your credit score.

By contrast, missing bills, having court judgements levied against you or having declared bankruptcy may affect your credit score negatively. To find out if you qualify call Natwest Bank and speak with a representative.

I am overseas and my card isn’t working, what can I do?

It’s possible that if you didn’t inform NatWest that you were going overseas then they have witnessed an account transaction or activity that they consider suspicious. It’s important to let your bank know to avoid this circumstance in future.

If this is the case, you may need to contact NatWest telephone banking immediately to unlock your account and gain access to your finances.

My card has been lost or stolen, what should I do?

If your card has been lost or stolen it’s important to call the NatWest number as quickly as possible to get them blocked and replacement cards sent out to you straight away. This reduces the likelihood of your account or payment cards being used by someone other than yourself.

Why is my fingerprint not being accepted when I try to log in to the NatWest app?

If you’re using an Android phone or iPhone with the technology for fingerprint recognition, and you’re unable to access your account or your fingerprint is not being accepted there are some possible explanations.

The first is that you are not connected to the internet, as this feature may be disabled when there is no active internet connection. You should check, if you’re using 3g or 4g, whether your connection is strong and active. If you’re using WiFi, ensure that you’ve completed any sign up procedures or check-in procedures to activate your connection.

If you’ve tried both of these things and you’re still receiving an error message, check for updates to the app, and if there are updates available, install them and then restart your device. If this is still not allowing you to access your account under the app then you may wish to call the NatWest customer service number for further support.

Why should I use the NatWest banking app and not just the website?

The NatWest app has a number of advantages for users as opposed to the website when accessing from a handheld device. Firstly, using the fingerprint scanning recognition technology in most modern day Android or iPhones, you can log in without having to enter your password or use a secure key.

This saves time and is more convenient, as well as being secure. You can then conduct all normal business that you’d be able to do on online banking at the click of a button, including checking your balance and checking statements, sending payments, and even register travel plans if you’re going to be away. Even with the app you can always call the Natwest helpline if you prefer to speak with a customer service rep.