Natwest credit card online banking

By | Tuesday, March 9, 2021

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    It won't impact your credit rating and it takes just 2 minutes. Eligibility Checker. Purchase rate. Representative APR.

    Assumed credit limit. Annual fee. Your actual credit limit and APR may vary depending on our credit assessment of you. Costs OpenClose. Other charges or fees. Some other important details you should know about. Other charges or fees - in detail Close. Potential charges and fees.

    Late paying First thing's first, it's important to know we'll charge you £12 if you miss a payment. For full details of fees, please see the Summary Box in the Ready to apply section below.

    Paying your credit card. We've made it as easy as possible for you to pay your card bill each month. Making a payment - in detail Close. Ways to pay your credit card. What you should know If you set up a Direct Debit for the minimum, fixed or full amount, the payment is claimed 25 calendar days from the statement date, or shortly afterwards. Card Features OpenClose. Spread the cost of your purchase. A credit card Instalment Plan could be a good way to spread the cost. Instalment Plans - in detail Close.

    How you could spread costs on purchases. With an Instalment Plan, you can: Pay back your purchase over a set period that suits you. This can be between 3 to 24 months. Avoid interest and pay a set fee each month instead.

    The fee could end up being cheaper than your standard credit card interest rate. Make an easy repayment budget by avoiding hidden costs. Learn more about Instalment Plans and how to create one What you should keep in mind Instalment Plans are for existing credit card customers only, eligibility criteria and monthly fees apply. To be eligible your transaction needs to be either on your latest statement or applied to your account since your last statement was produced.

    You cannot have a cash balance on your credit card account. The Instalment Plan should be lower than your usual repayment interest on your card. Ways to pay. Payment methods - in detail Close. How you could pay. What you should know Apple Pay is available on selected Apple devices. Mobile App Features OpenClose.

    Lock and unlock your credit card. Lock and unlock your credit card - in detail Close. Ways to lock and unlock your card.

    Take control of your spending. Take control of your spending - in detail Close. Keeping your spending in check. Check your credit score. Check your credit score - in detail Close. Checking your credit score. Replace your credit card. Replace your credit card - in detail Close. Replacing your card. Set your travel plans. Set your travel plans - in detail Close. Planning your next trip. What you should know.

    Need a bit more help? See what other people are asking. What are low rate credit cards? How does a travel credit card work? What is the difference between a travel credit card and a prepaid card? Do you offer a travel credit card with insurance? No - currently none of our credit cards offer travel insurance. Do you offer a travel credit card with lounge access? No - currently none of our credit cards offer airport lounge access.

    What does no annual fee mean? Get ready to apply. First, let's check your eligibility. If you've already checked, you're good to move on to the legal documents below. Check my eligibility. Now please take a look at the important legal info.

    By selecting 'continue' below, you are confirming that you have been provided with, and are happy with what's in these documents. All okay? Let's get started. Do you have NatWest Online Banking? You'll need to have Online Banking to apply online with us. If you don't, we'll help you sign up easily in just 5 minutes. You could save time by applying through our mobile app if you're already set up.

    Can't remember my login details. You're all set. Just a heads up - here's what you'll need to apply: Your Online Banking login details Your address details for the last 3 years Your income, outgoings and employment details A note of any cards you wish to transfer a balance from. Start my application. Let's get you set up. What you'll need Your sort code and account number Your NatWest debit card, if you have one. Why register for Online Banking? Online Banking allows you to control your finances from wherever you have internet access.

    You can do everything from checking your balance, transactions and statements, sending money to your family and friends or paying your bills. You also need to be registered for Online Banking before you can download our mobile app criteria apply. Step-by-step guide. Your statement explained. Track your spending by reviewing your transactions from the "Statements" page within "Your personal credit cards".

    Stay in control of your finances when reviewing your transactions. Your transactions explained. Dispute a credit card transaction. If your card has been misplaced, you can put a temporary block in place using the mobile app and unlock it once you find it, however if it has been lost or stolen please follow steps for lost, damaged or stolen, which will block the card and you will get a replacement.

    Go to the app. Once you've reported your card as lost or damaged, a replacement card will be sent to you within five working days. Report your card. Stolen credit cards If you think your credit card - or any of your card details - may have been stolen, you should report it to us to avoid the possibility of fraud. If you want to use your credit card while travelling, you should register your travel details with us at least 24 hours before your trip.

    If we know about your travel, we can do our best to ensure your holiday spending isn't affected at all. You can do this via our mobile app, Online Banking or by giving us a call or popping in to a branch.

    All you need to is go to the app ;. Log in to Online Banking. Each Travel Plan can include up to seven countries and last for 90 days.

    You must register each country you are visiting. You can add multiple trips and any trips created will be applied to any additional cardholders on your account. The NatWest accessible credit card is a new card design developed with and accredited by the Royal National Institute of Blind People that makes it easier to use your credit card if you are blind or partially sighted.

    Pay for those small, everyday items up to £30 just by tapping your card on the terminal in shops, restaurants, cinemas and almost everywhere else. Paying with contactless is an easier and faster way to pay. Simply put your card into the reader and enter your PIN as normal. Find out how much faster you could clear your existing credit card balance by fixing your payments, instead of paying the minimum amount.

    If you're looking for a credit card that matches your lifestyle and spending habits, you might want to consider looking at the features of our other credit cards. You can see our range of credit cards by following the 'compare our credit cards' link below. Keep balances separate by using a second credit card for a specific purchase, event or type of spending. It's important to remember that a second credit card will mean you could have two balances to pay off every month, including accrued interest.

    There may also be two annual fees to pay, if you choose a card with an annual fee. Eligibility applies. You cannot open a second credit card of the same type as your current card. Existing customers. Manage your credit card. On this page. Coronavirus credit card support. Everyday management. Report your card lost or stolen. Register your travel plans. Change or take out a second card. Is your existing credit card payment break coming to an end? When your payment break comes to an end we'll get in touch to let you know what you need to do.

    Credit card management made easy. Repayments OpenClose. Paying with direct debit. Direct Debit makes paying off your credit card easy and convenient. Scheduling direct debit payments Close.

    Scheduling direct debit payments. One off payments. Making one off payments is easy. Ways to pay your credit card Close. Ways to pay your credit card. You can make one off payments to your credit card by:. Manage your credit card fees and charges. A credit card has many benefits - but to get the most from it, you need to be organised with your monthly payments otherwise you could end up paying fees and charges. What are the credit card fees and charges? What are the fees and charges?

    For more information on credit card fees see our fees and charges page. Transactions OpenClose. Checking your balance and available credit. You can check your credit card balance and available credit whenever and wherever you like.

    Just use the Mobile App or Online Banking to get an up to date view of your spending. Checking your balance Close.

    Checking your balance. Review your PDF statement transactions. Your statement Close. Your statement. Find them from the "Statements" page within "Your personal credit cards".

    Natwest credit card online banking

    Credit card management made easy. Repayments OpenClose. Paying with direct debit. Direct Debit makes paying off your credit card easy and convenient. Scheduling direct debit payments Close. Scheduling direct debit payments. One off payments. Making one off payments is easy. Ways to pay your credit card Close.

    Ways to pay your credit card. You can make one off payments to your credit card by:. Manage your credit card fees and charges. A credit card has many benefits - but to get the most from it, you need to be organised with your monthly payments otherwise you could end up paying fees and charges. What are the credit card fees and charges? What are the fees and charges?

    For more information on credit card fees see our fees and charges page. Transactions OpenClose. Checking your balance and available credit. You can check your credit card balance and available credit whenever and wherever you like. Just use the Mobile App or Online Banking to get an up to date view of your spending. Checking your balance Close. Checking your balance. Review your PDF statement transactions.

    Your statement Close. Your statement. Find them from the "Statements" page within "Your personal credit cards". View your statements Stay in control of your finances when reviewing your statement. Check your transactions. Check what transactions you've made on your credit card and search through up to the last 4 months of your spending with Online Banking or via the Mobile App.

    Your transactions Close. Your transactions. Check your transactions Stay in control of your finances when reviewing your transactions. Credit card payment disputes. If the payment was made through PayPal, please refer to their Disputes team for details on how to resolve.

    How to dispute a credit card payment Close. How to dispute a credit card payment. Report my card as lost or stolen. What should I do if my credit card is lost or stolen? Go to the app 2. Click on 'Manage my Credit Card' 3. Click on 'Lock Card' you can unlock the card here too. Report your card Stolen credit cards If you think your credit card - or any of your card details - may have been stolen, you should report it to us to avoid the possibility of fraud.

    Calls may be recorded. Register my travel plans. How to register your travel Close. How do I register my travel plans? You can simply enter the details of your trip in the 'Manage my card' section of the mobile app. Order an accessible credit card. What is the accessible credit card? How do I order an accessible credit card? A notch has been carved out of the side, to help you identify which way to insert your card into a cash machine or card reader.

    The card has a series of raised dots, so you'll know whether it is your credit, debit or savings card. To replace your existing card with a new accessible credit card design, give us a call.

    My contactless credit card. Using your contactless credit card Close. How do I use my contactless credit card? Plan ahead to repay your balance. Credit card repayment calculator. Use our credit card repayment calculator.

    Time for a change? A second credit card could help you manage your spending. Compare our credit cards. Ways of managing your credit card. Set up a direct debit, pay your credit card or view your last 2 years statements. Request a pin reminder or unblock your pin Register your travel plans. Get the mobile app. When you use a prepaid card, you are spending money you have already loaded onto the card in advance.

    When you use a credit card, you are borrowing money which will need to be paid back. Learn more about travel credit cards. Some cards apply an annual fee to your bill for access to additional benefits. A no annual fee credit card means you do not get a yearly charge for use of that card, but you may still pay fees for late payments and interest on purchases. Learn more about no annual fee credit cards. The good news is that it normally takes only 5 minutes.

    If you need a hand, follow our step-by-step guide below. Now you can manage your finances anywhere you can get online you can now get access to our mobile app too - criteria apply.

    When you've got your new online banking details, select 'Next' below to continue applying for this credit card. Pick from one of the options below and we'll help you on your way. If you want to continue to apply online and just need a reminder of your customer number, you can find this in the app too. Log in to the app, select the 'Help' icon at the bottom, and you'll see your customer number at the top of the screen.

    It just takes around 5 minutes. Need a hand getting set up? Use our step-by-step guide. You'll need to re-register for Online Banking where we'll remind you of your customer number and you can pick a new PIN and password. The NatWest Credit Card. A low rate credit card to help with your everyday spending. Representative 9. On this page. About this credit card.

    Check your eligibility. Representative example. Managing your credit card. Apply now. No foreign transaction fees. You won't pay foreign transaction fees when you use this credit card abroad Use worldwide at Mastercard® locations. Low interest rates. And more to unpack. No annual fee Manage your card wherever, whenever with the NatWest mobile app Criteria applies.

    Use our eligibility checker to find out if you'll be accepted for this credit card before you apply. It won't impact your credit rating and it takes just 2 minutes. Eligibility Checker. Purchase rate. Representative APR. Assumed credit limit. Annual fee. Your actual credit limit and APR may vary depending on our credit assessment of you.

    Costs OpenClose. Other charges or fees. Some other important details you should know about. Other charges or fees - in detail Close. Potential charges and fees. Late paying First thing's first, it's important to know we'll charge you £12 if you miss a payment. For full details of fees, please see the Summary Box in the Ready to apply section below. Paying your credit card. We've made it as easy as possible for you to pay your card bill each month.

    Making a payment - in detail Close. Ways to pay your credit card. What you should know If you set up a Direct Debit for the minimum, fixed or full amount, the payment is claimed 25 calendar days from the statement date, or shortly afterwards.

    Card Features OpenClose. Spread the cost of your purchase. A credit card Instalment Plan could be a good way to spread the cost. Instalment Plans - in detail Close. How you could spread costs on purchases. With an Instalment Plan, you can: Pay back your purchase over a set period that suits you.

    This can be between 3 to 24 months. Avoid interest and pay a set fee each month instead. The fee could end up being cheaper than your standard credit card interest rate. Make an easy repayment budget by avoiding hidden costs. Learn more about Instalment Plans and how to create one What you should keep in mind Instalment Plans are for existing credit card customers only, eligibility criteria and monthly fees apply.

    To be eligible your transaction needs to be either on your latest statement or applied to your account since your last statement was produced. You cannot have a cash balance on your credit card account. The Instalment Plan should be lower than your usual repayment interest on your card. Ways to pay. Payment methods - in detail Close.

    How you could pay. What you should know Apple Pay is available on selected Apple devices. Mobile App Features OpenClose. Lock and unlock your credit card. Lock and unlock your credit card - in detail Close. Ways to lock and unlock your card. Take control of your spending. Take control of your spending - in detail Close. Keeping your spending in check. Check your credit score. Check your credit score - in detail Close.

    Checking your credit score. Replace your credit card. Replace your credit card - in detail Close. Replacing your card. Set your travel plans. Set your travel plans - in detail Close. Planning your next trip. What you should know. Need a bit more help?

    Online Banking services

    Payment made. Remember, all our credit cards are contactless too. We want to make managing your credit card simple and safe. This feature applies to Mastercard credit cards only.

    You can use the mobile app to check your balance, set a daily or monthly budget and lock certain transaction types. Managing your credit card in the app is easy too — you can pay your balance, set up a direct debit, change your credit limit and lots more.

    Want to stay on top of your financial health? View your credit score and some of the key details that help to calculate it for free in the app by going to your Profile. You can check it as often as you like with no impact on your credit score. On the iPhone you can order a replacement for a lost or damaged credit card straight from the app.

    Off on your next trip? Try registering your travel plans through the app. Each travel plan can include up to seven countries and last for 90 days. You can create one travel plan at a time. We'll help you with the basics in our guide to understanding low rate credit cards. Credit cards with low-interest or a low-APR could help make your credit card payments more manageable. They could also be useful if you want to spread the cost of a purchase over a number of months.

    Remember, if you're thinking of applying for a low rate card your actual credit limit and APR may vary on application, which means you may not be eligible for the lowest rate offered. Learn more about low APR credit cards. When you think about the number of purchases you can make when you're on holiday, the total cost of foreign transaction fees can really add up.

    So you're free to enjoy your trip without the worry of returning to a large credit card bill. For details on managing credit card fees and charges , read our handy guide.

    Prepaid cards are different from credit cards. When you use a prepaid card, you are spending money you have already loaded onto the card in advance. When you use a credit card, you are borrowing money which will need to be paid back.

    Learn more about travel credit cards. Some cards apply an annual fee to your bill for access to additional benefits. A no annual fee credit card means you do not get a yearly charge for use of that card, but you may still pay fees for late payments and interest on purchases.

    Learn more about no annual fee credit cards. The good news is that it normally takes only 5 minutes. If you need a hand, follow our step-by-step guide below. Now you can manage your finances anywhere you can get online you can now get access to our mobile app too - criteria apply. When you've got your new online banking details, select 'Next' below to continue applying for this credit card. Pick from one of the options below and we'll help you on your way.

    If you want to continue to apply online and just need a reminder of your customer number, you can find this in the app too. Log in to the app, select the 'Help' icon at the bottom, and you'll see your customer number at the top of the screen.

    It just takes around 5 minutes. Need a hand getting set up? Use our step-by-step guide. You'll need to re-register for Online Banking where we'll remind you of your customer number and you can pick a new PIN and password. The NatWest Credit Card.

    A low rate credit card to help with your everyday spending. Representative 9. On this page. About this credit card. Check your eligibility.

    Representative example. Managing your credit card. Apply now. No foreign transaction fees. You won't pay foreign transaction fees when you use this credit card abroad Use worldwide at Mastercard® locations. Low interest rates. And more to unpack.

    No annual fee Manage your card wherever, whenever with the NatWest mobile app Criteria applies. Use our eligibility checker to find out if you'll be accepted for this credit card before you apply.

    It won't impact your credit rating and it takes just 2 minutes. Eligibility Checker. Purchase rate. Repayments OpenClose. Paying with direct debit. Direct Debit makes paying off your credit card easy and convenient.

    Scheduling direct debit payments Close. Scheduling direct debit payments. One off payments. Making one off payments is easy.

    Ways to pay your credit card Close. Ways to pay your credit card. You can make one off payments to your credit card by:. Manage your credit card fees and charges. A credit card has many benefits - but to get the most from it, you need to be organised with your monthly payments otherwise you could end up paying fees and charges.

    What are the credit card fees and charges? What are the fees and charges? For more information on credit card fees see our fees and charges page. Transactions OpenClose. Checking your balance and available credit.

    You can check your credit card balance and available credit whenever and wherever you like. Just use the Mobile App or Online Banking to get an up to date view of your spending. Checking your balance Close. Checking your balance. Review your PDF statement transactions. Your statement Close. Your statement. Find them from the "Statements" page within "Your personal credit cards".

    View your statements Stay in control of your finances when reviewing your statement. Check your transactions. Check what transactions you've made on your credit card and search through up to the last 4 months of your spending with Online Banking or via the Mobile App. Your transactions Close.

    Your transactions. Check your transactions Stay in control of your finances when reviewing your transactions. Credit card payment disputes. If the payment was made through PayPal, please refer to their Disputes team for details on how to resolve. How to dispute a credit card payment Close. How to dispute a credit card payment. Report my card as lost or stolen. What should I do if my credit card is lost or stolen? Go to the app 2. Click on 'Manage my Credit Card' 3.

    Click on 'Lock Card' you can unlock the card here too. Report your card Stolen credit cards If you think your credit card - or any of your card details - may have been stolen, you should report it to us to avoid the possibility of fraud.

    Calls may be recorded. Register my travel plans. How to register your travel Close. This is quite handy if your customers are being slow to pay you.

    If you only pay the minimum payment it will take longer and cost more to clear your balance and there can be a risk of escalating debt, additional interest or charges and of potential financial difficulties. ClearSpend provides you with control and visibility of card transactions, so you can feel comfortable issuing cards to employees and see precisely how money is being spent. Build and run reports which can be integrated with accountancy software.

    Login to Smart Data. This is also done according to interest rates, with the highest interest rate paid first. If parts of either of the balances referred to above have the same interest rate, sums on which interest is charged on interest will reduce first. The best way to reduce interest charges on your business credit card is by repaying as much of your balance as you can afford to each month. Even if you want to stick to the minimum payment you currently make by monthly Direct Debit, you can still make extra payments on top, any time you want.

    The back of your credit card statement explains the variety of payment methods you can use. Non-Sterling Transaction Fee — 2. An administrative charge for ancillary services such as providing duplicate statements £1 per page, maximum charge £ A balance transfer is when you move the money you owe the balance from one credit card provider to another, often with a lower rate of interest.

    Apply for a NatWest business credit card. You can't do a balance transfer from any Personal credit cards. If you are an SME with a turnover of £2m or less, our business credit card is a great option to consider if you are looking for a company credit card. You will not pay the £30 annual fee in the first year, with a chance to waive the business credit card fee from the second year onwards when you spend £6, or more every year.

    To apply, you need to be an existing NatWest Business Banking customer. The "Ready to apply" sections on the product pages will help you to prepare. If you want to transfer a balance to your credit card please call the NatWest business team.

    There is no interest free period on balance transfers. You bet! You can use your business credit card to pay for goods and services or withdraw cash anywhere in the world. Just look out for the MasterCard logo. A business credit card allows you to keep your personal and business-related purchases separate, whilst helping you maintain good cash flow. This is especially useful in events where your business awaits a payment from a customer. With up to 56 days interest-free credit when paid back in full on time, our business credit card puts you in control of your finances.

    You also gain the same security and buyer protection benefits that you would with your personal credit card, helping you in resolving disputes that could endanger your business. To add an additional cardholder, please fill out and return our additional cardholder form PDF, KB. Yes you do. Our business credit card is only available to existing NatWest business customers. If you want to become a business customer take a look at our business current accounts.

    If you run a business with a turnover of £2m or less, a company credit card could be a great addition to your finances. Helping you separate personal and business expenses is just one of the many reasons to get a company credit card. With our business credit card, you also gain access to ClearSpend — an app designed to help you track your business spending easily and efficiently.

    The Business credit card is fee free in the first year including any additional cards that you may open. In subsequent years, the annual card fee is waived if you spend £6, p. The waiver is applied at a card level based on the assessment of spend on that particular card. Spend can not be combined across cards to qualify for the waiver. This means that a negative business credit history can affect the credit rating of business owners of smaller enterprises. If you want to become a NatWest customer, please check out our business bank account.

    When you apply for a business bank account you have the option to apply for the business credit card at the same time subject to status. A fast, affordable way to help your business. Discover our small business loans today. To apply for our Business credit card, you must meet these requirements. Your registered business address must be in the United Kingdom and you should be registered for tax purposes in the UK.

    You must maintain a business bank account in the same legal entity name with Natwest. It's important for you to understand how we use and share your information.

    Please read this short summary before you continue with your application. Business credit card terms and conditions applicable for Sole Traders, Partnerships of up to 3 partners , or unincorporated associations such as Charities, Clubs, Societies or Associations :. Terms and conditions PDF, 1. Business credit card terms and conditions applicable for Limited Companies, Limited Liability Partnerships, Partnerships of 4 or more partners and Charitable Incorporated Organisations:.

    You may wish to take advice from an independent financial advisor, charity for example, Citizens Advice or not-for-profit organisation before entering in to a credit agreement with us. By starting your application, you confirm that you're giving us consent to run a credit check on you and any other people listed on your application.

    Business credit card.

    Coronavirus credit card support

    Natwest credit card online banking

    If you want to become a NatWest customer, please check out our business bank account. When you apply for a business bank account you have the option to apply for the business credit card at the same time subject to status. A fast, affordable way to help your business. Discover our small business loans today. To apply for our Business credit card, you must meet these requirements.

    Your registered business address must be in the United Kingdom and you should be registered for tax purposes in the UK. You must maintain a business bank account in the same legal entity name with Natwest.

    It's important for you to understand how we use and share your information. Please read this short summary before you continue with your application. Business credit card terms and conditions applicable for Sole Traders, Partnerships of up to 3 partners , or unincorporated associations such as Charities, Clubs, Societies or Associations :. Terms and conditions PDF, 1. Business credit card terms and conditions applicable for Limited Companies, Limited Liability Partnerships, Partnerships of 4 or more partners and Charitable Incorporated Organisations:.

    You may wish to take advice from an independent financial advisor, charity for example, Citizens Advice or not-for-profit organisation before entering in to a credit agreement with us.

    By starting your application, you confirm that you're giving us consent to run a credit check on you and any other people listed on your application. Business credit card. Smooth out your cashflow with our credit card. On this page. What is it? Representative example. Show me the details. Still have questions?

    Ready to apply. Manage your business expenses with our Business credit card. Representative APR. Purchase rate.

    Assumed credit limit. Annual fee. Use Apple Pay and Google Pay with business credit cards. Apple Pay Now more than ever, you should consider using Apple Pay to pay with your business debit and credit card. Apple Pay available on selected Apple devices. Retailer limits may apply. Google Pay Got an Android phone? Google Pay available on selected Android devices. Our business credit card in detail Features Benefits Charges Transfers. Features OpenClose. Interest-free credit period of up to 56 days.

    If you pay your balance in full, you get up to 56 days interest-free credit on purchases made with our business credit card. Interest-free credit - in detail Close. Interest free credit details. No interest-free period on balance transfers and Cash Advances.

    Flexible monthly payments. You can find out more about minimum payments in the "Charges" tab. Flexible payment details Close. Flexible payments — in detail. What you should know If you only pay the minimum payment it will take longer and cost more to clear your balance and there can be a risk of escalating debt, additional interest or charges and of potential financial difficulties.

    Annual card fee waiver. The annual fee is normally £30 per business credit card issued. Benefits OpenClose. Manage your spending with ClearSpend. ClearSpend is a new, convenient, free mobile application available on iOS and Android.

    More about ClearSpend Close. ClearSpend in detail. Find out more about ClearSpend. Smart Data Online. Set up reports to help you check and analyse business spending. More about Smart Data Close. Smart Data in detail. Charges OpenClose. Allocation of payments.

    More about allocation of payments Close. Allocation of payments — in detail. Your payments are used to repay the items on your account in the following order: to reduce sums shown on your most recent monthly statement, according to their interest rates, with the highest rate paid first; and if any payment exceeds your most recent monthly statement balance, the excess will then be applied to reduce sums charged to your card but not yet shown on any monthly statement.

    Minimum repayment. Remember: if you only make the minimum payment it will take longer and cost more to clear your balance. Minimum payment details Close.

    Minimum payment in detail. How to reduce your interest charges The best way to reduce interest charges on your business credit card is by repaying as much of your balance as you can afford to each month.

    Other charges and fees. You will incur charges if you make a late payment or go over your business credit card limit. More about other charges and fees Close.

    Other charges and fees — in detail. Transfers OpenClose. Balance transfer to the NatWest Business credit card.

    Why not move the money you owe from your other Business cards? It could mean you pay less interest. Fees may apply. More about balance transfers Close. Balance transfers— in detail. How it works Apply for a NatWest business credit card.

    We might charge a fee when you do a balance transfer. The perfect small business credit card. Remember, if you're thinking of applying for a low rate card your actual credit limit and APR may vary on application, which means you may not be eligible for the lowest rate offered. Learn more about low APR credit cards. When you think about the number of purchases you can make when you're on holiday, the total cost of foreign transaction fees can really add up.

    So you're free to enjoy your trip without the worry of returning to a large credit card bill. For details on managing credit card fees and charges , read our handy guide. Prepaid cards are different from credit cards. When you use a prepaid card, you are spending money you have already loaded onto the card in advance. When you use a credit card, you are borrowing money which will need to be paid back. Learn more about travel credit cards. Some cards apply an annual fee to your bill for access to additional benefits.

    A no annual fee credit card means you do not get a yearly charge for use of that card, but you may still pay fees for late payments and interest on purchases. Learn more about no annual fee credit cards.

    The good news is that it normally takes only 5 minutes. If you need a hand, follow our step-by-step guide below. Now you can manage your finances anywhere you can get online you can now get access to our mobile app too - criteria apply. When you've got your new online banking details, select 'Next' below to continue applying for this credit card.

    Pick from one of the options below and we'll help you on your way. If you want to continue to apply online and just need a reminder of your customer number, you can find this in the app too. Log in to the app, select the 'Help' icon at the bottom, and you'll see your customer number at the top of the screen. It just takes around 5 minutes. Need a hand getting set up? Use our step-by-step guide. You'll need to re-register for Online Banking where we'll remind you of your customer number and you can pick a new PIN and password.

    The NatWest Credit Card. A low rate credit card to help with your everyday spending. Representative 9. On this page. About this credit card. Check your eligibility. Representative example. Managing your credit card. Apply now. No foreign transaction fees. You won't pay foreign transaction fees when you use this credit card abroad Use worldwide at Mastercard® locations.

    Low interest rates. And more to unpack. No annual fee Manage your card wherever, whenever with the NatWest mobile app Criteria applies. Use our eligibility checker to find out if you'll be accepted for this credit card before you apply. It won't impact your credit rating and it takes just 2 minutes.

    Eligibility Checker. Purchase rate. Representative APR. Assumed credit limit. Annual fee. Your actual credit limit and APR may vary depending on our credit assessment of you. Costs OpenClose. Other charges or fees. Some other important details you should know about. Other charges or fees - in detail Close. Potential charges and fees. Late paying First thing's first, it's important to know we'll charge you £12 if you miss a payment. For full details of fees, please see the Summary Box in the Ready to apply section below.

    Paying your credit card. We've made it as easy as possible for you to pay your card bill each month. Making a payment - in detail Close. Ways to pay your credit card. What you should know If you set up a Direct Debit for the minimum, fixed or full amount, the payment is claimed 25 calendar days from the statement date, or shortly afterwards.

    Card Features OpenClose. Spread the cost of your purchase. A credit card Instalment Plan could be a good way to spread the cost.

    Instalment Plans - in detail Close. How you could spread costs on purchases. With an Instalment Plan, you can: Pay back your purchase over a set period that suits you. This can be between 3 to 24 months. Avoid interest and pay a set fee each month instead. The fee could end up being cheaper than your standard credit card interest rate.

    Make an easy repayment budget by avoiding hidden costs. Learn more about Instalment Plans and how to create one What you should keep in mind Instalment Plans are for existing credit card customers only, eligibility criteria and monthly fees apply. To be eligible your transaction needs to be either on your latest statement or applied to your account since your last statement was produced.

    You cannot have a cash balance on your credit card account. The Instalment Plan should be lower than your usual repayment interest on your card. Ways to pay. Payment methods - in detail Close. How you could pay. What you should know Apple Pay is available on selected Apple devices.

    Mobile App Features OpenClose. Lock and unlock your credit card. Lock and unlock your credit card - in detail Close. Ways to lock and unlock your card. Take control of your spending. Take control of your spending - in detail Close. Keeping your spending in check.

    Check your credit score. Check your credit score - in detail Close. Checking your credit score. Replace your credit card. Replace your credit card - in detail Close.

    What you get with Cards OnLine

    Off on your next trip? Try registering your travel plans through the app. Each travel plan can include up to seven countries and last for 90 days. You can create one travel plan at a time. We'll help you with the basics in our guide to understanding low rate credit cards. Credit cards with low-interest or a low-APR could help make your credit card payments more manageable. They could also be useful if you want to spread the cost of a purchase over a number of months.

    Remember, if you're thinking of applying for a low rate card your actual credit limit and APR may vary on application, which means you may not be eligible for the lowest rate offered.

    Learn more about low APR credit cards. When you think about the number of purchases you can make when you're on holiday, the total cost of foreign transaction fees can really add up. So you're free to enjoy your trip without the worry of returning to a large credit card bill. For details on managing credit card fees and charges , read our handy guide.

    Prepaid cards are different from credit cards. When you use a prepaid card, you are spending money you have already loaded onto the card in advance.

    When you use a credit card, you are borrowing money which will need to be paid back. Learn more about travel credit cards. Some cards apply an annual fee to your bill for access to additional benefits. A no annual fee credit card means you do not get a yearly charge for use of that card, but you may still pay fees for late payments and interest on purchases.

    Learn more about no annual fee credit cards. The good news is that it normally takes only 5 minutes. If you need a hand, follow our step-by-step guide below. Now you can manage your finances anywhere you can get online you can now get access to our mobile app too - criteria apply.

    When you've got your new online banking details, select 'Next' below to continue applying for this credit card. Pick from one of the options below and we'll help you on your way. If you want to continue to apply online and just need a reminder of your customer number, you can find this in the app too.

    Log in to the app, select the 'Help' icon at the bottom, and you'll see your customer number at the top of the screen. It just takes around 5 minutes.

    Need a hand getting set up? Use our step-by-step guide. You'll need to re-register for Online Banking where we'll remind you of your customer number and you can pick a new PIN and password.

    The NatWest Credit Card. A low rate credit card to help with your everyday spending. Representative 9. On this page. About this credit card. Check your eligibility. Representative example. Managing your credit card. Apply now. No foreign transaction fees. You won't pay foreign transaction fees when you use this credit card abroad Use worldwide at Mastercard® locations.

    Low interest rates. And more to unpack. No annual fee Manage your card wherever, whenever with the NatWest mobile app Criteria applies. Use our eligibility checker to find out if you'll be accepted for this credit card before you apply. It won't impact your credit rating and it takes just 2 minutes.

    Eligibility Checker. Purchase rate. Representative APR. Assumed credit limit. Annual fee. Your actual credit limit and APR may vary depending on our credit assessment of you. Costs OpenClose. Other charges or fees. Some other important details you should know about. Other charges or fees - in detail Close. Potential charges and fees. Late paying First thing's first, it's important to know we'll charge you £12 if you miss a payment.

    On this page. What you get. User guides. Log-in to Cards OnLine. What you get with Cards OnLine. Created with Sketch. Access anywhere, anytime. All you need is a secure internet connection.

    Up-to-date card use snapshot. View recent transactions, your account balance and pending authorisations. Flexible data management. Easy card management. Administrators can change security details, email addresses and cardholder addresses. Introducing ClearSpend. Discover the benefits of ClearSpend. Here are some useful guides to read. If you need a high res user guide, call us on Repayments OpenClose.

    Paying with direct debit. Direct Debit makes paying off your credit card easy and convenient. Scheduling direct debit payments Close. Scheduling direct debit payments. One off payments. Making one off payments is easy. Ways to pay your credit card Close. Ways to pay your credit card. You can make one off payments to your credit card by:. Manage your credit card fees and charges. A credit card has many benefits - but to get the most from it, you need to be organised with your monthly payments otherwise you could end up paying fees and charges.

    What are the credit card fees and charges? What are the fees and charges? For more information on credit card fees see our fees and charges page. Transactions OpenClose. Checking your balance and available credit. You can check your credit card balance and available credit whenever and wherever you like. Just use the Mobile App or Online Banking to get an up to date view of your spending.

    Checking your balance Close. Checking your balance. Review your PDF statement transactions. Your statement Close. Your statement. Find them from the "Statements" page within "Your personal credit cards". View your statements Stay in control of your finances when reviewing your statement. Check your transactions.

    Check what transactions you've made on your credit card and search through up to the last 4 months of your spending with Online Banking or via the Mobile App. Your transactions Close. Your transactions. Check your transactions Stay in control of your finances when reviewing your transactions. Credit card payment disputes. If the payment was made through PayPal, please refer to their Disputes team for details on how to resolve. How to dispute a credit card payment Close. How to dispute a credit card payment.

    Report my card as lost or stolen. What should I do if my credit card is lost or stolen? Go to the app 2. Click on 'Manage my Credit Card' 3. Click on 'Lock Card' you can unlock the card here too. Report your card Stolen credit cards If you think your credit card - or any of your card details - may have been stolen, you should report it to us to avoid the possibility of fraud.

    Calls may be recorded. Register my travel plans. How to register your travel Close.

    With our business credit card, you also gain access to ClearSpend — an app designed to help you track your business spending easily and efficiently. The Business credit card is fee free in the first year including any additional cards that you may open. In subsequent years, the annual card fee is waived if you spend £6, p. The waiver is applied at a card level based on the assessment of spend on that particular card.

    Spend can not be combined across cards to qualify for the waiver. This means that a negative business credit history can affect the credit rating of business owners of smaller enterprises.

    If you want to become a NatWest customer, please check out our business bank account. When you apply for a business bank account you have the option to apply for the business credit card at the same time subject to status. A fast, affordable way to help your business.

    Discover our small business loans today. To apply for our Business credit card, you must meet these requirements. Your registered business address must be in the United Kingdom and you should be registered for tax purposes in the UK. You must maintain a business bank account in the same legal entity name with Natwest. It's important for you to understand how we use and share your information.

    Please read this short summary before you continue with your application. Business credit card terms and conditions applicable for Sole Traders, Partnerships of up to 3 partners , or unincorporated associations such as Charities, Clubs, Societies or Associations :. Terms and conditions PDF, 1. Business credit card terms and conditions applicable for Limited Companies, Limited Liability Partnerships, Partnerships of 4 or more partners and Charitable Incorporated Organisations:.

    You may wish to take advice from an independent financial advisor, charity for example, Citizens Advice or not-for-profit organisation before entering in to a credit agreement with us. By starting your application, you confirm that you're giving us consent to run a credit check on you and any other people listed on your application.

    Business credit card. Smooth out your cashflow with our credit card. On this page. What is it? Representative example. Show me the details. Still have questions?

    Ready to apply. Manage your business expenses with our Business credit card. Representative APR. Purchase rate. Assumed credit limit. Annual fee. Use Apple Pay and Google Pay with business credit cards.

    Apple Pay Now more than ever, you should consider using Apple Pay to pay with your business debit and credit card.

    Apple Pay available on selected Apple devices. Retailer limits may apply. Google Pay Got an Android phone? Google Pay available on selected Android devices. Our business credit card in detail Features Benefits Charges Transfers. Features OpenClose. Interest-free credit period of up to 56 days.

    If you pay your balance in full, you get up to 56 days interest-free credit on purchases made with our business credit card. Interest-free credit - in detail Close. Interest free credit details. No interest-free period on balance transfers and Cash Advances. Flexible monthly payments. You can find out more about minimum payments in the "Charges" tab. Flexible payment details Close. Flexible payments — in detail. What you should know If you only pay the minimum payment it will take longer and cost more to clear your balance and there can be a risk of escalating debt, additional interest or charges and of potential financial difficulties.

    Annual card fee waiver. The annual fee is normally £30 per business credit card issued. Benefits OpenClose. Manage your spending with ClearSpend. ClearSpend is a new, convenient, free mobile application available on iOS and Android.

    More about ClearSpend Close. ClearSpend in detail. Find out more about ClearSpend. Smart Data Online. Set up reports to help you check and analyse business spending. More about Smart Data Close. Smart Data in detail. Charges OpenClose. Allocation of payments. More about allocation of payments Close. Allocation of payments — in detail. Your payments are used to repay the items on your account in the following order: to reduce sums shown on your most recent monthly statement, according to their interest rates, with the highest rate paid first; and if any payment exceeds your most recent monthly statement balance, the excess will then be applied to reduce sums charged to your card but not yet shown on any monthly statement.

    Minimum repayment. Remember: if you only make the minimum payment it will take longer and cost more to clear your balance. Minimum payment details Close. Minimum payment in detail. How to reduce your interest charges The best way to reduce interest charges on your business credit card is by repaying as much of your balance as you can afford to each month. Other charges and fees. You will incur charges if you make a late payment or go over your business credit card limit.

    More about other charges and fees Close. Other charges and fees — in detail. Transfers OpenClose. Balance transfer to the NatWest Business credit card. Why not move the money you owe from your other Business cards? It could mean you pay less interest. Representative example. Managing your credit card. Apply now. No foreign transaction fees. You won't pay foreign transaction fees when you use this credit card abroad Use worldwide at Mastercard® locations.

    Low interest rates. And more to unpack. No annual fee Manage your card wherever, whenever with the NatWest mobile app Criteria applies. Use our eligibility checker to find out if you'll be accepted for this credit card before you apply. It won't impact your credit rating and it takes just 2 minutes. Eligibility Checker. Purchase rate. Representative APR. Assumed credit limit. Annual fee. Your actual credit limit and APR may vary depending on our credit assessment of you.

    Costs OpenClose. Other charges or fees. Some other important details you should know about. Other charges or fees - in detail Close. Potential charges and fees. Late paying First thing's first, it's important to know we'll charge you £12 if you miss a payment. For full details of fees, please see the Summary Box in the Ready to apply section below.

    Paying your credit card. We've made it as easy as possible for you to pay your card bill each month. Making a payment - in detail Close.

    Ways to pay your credit card. What you should know If you set up a Direct Debit for the minimum, fixed or full amount, the payment is claimed 25 calendar days from the statement date, or shortly afterwards. Card Features OpenClose. Spread the cost of your purchase. A credit card Instalment Plan could be a good way to spread the cost.

    Instalment Plans - in detail Close. How you could spread costs on purchases. With an Instalment Plan, you can: Pay back your purchase over a set period that suits you. This can be between 3 to 24 months. Avoid interest and pay a set fee each month instead. The fee could end up being cheaper than your standard credit card interest rate. Make an easy repayment budget by avoiding hidden costs. Learn more about Instalment Plans and how to create one What you should keep in mind Instalment Plans are for existing credit card customers only, eligibility criteria and monthly fees apply.

    To be eligible your transaction needs to be either on your latest statement or applied to your account since your last statement was produced. You cannot have a cash balance on your credit card account. The Instalment Plan should be lower than your usual repayment interest on your card.

    Ways to pay. Payment methods - in detail Close. How you could pay. What you should know Apple Pay is available on selected Apple devices. Mobile App Features OpenClose. Lock and unlock your credit card. Lock and unlock your credit card - in detail Close. Ways to lock and unlock your card. Take control of your spending. Take control of your spending - in detail Close. Keeping your spending in check. Check your credit score.

    Check your credit score - in detail Close. Checking your credit score. Replace your credit card. Replace your credit card - in detail Close. Replacing your card.

    Set your travel plans. Set your travel plans - in detail Close. Planning your next trip. What you should know. Need a bit more help?

    See what other people are asking. What are low rate credit cards? How does a travel credit card work? What is the difference between a travel credit card and a prepaid card? Do you offer a travel credit card with insurance? No - currently none of our credit cards offer travel insurance. Do you offer a travel credit card with lounge access?

    No - currently none of our credit cards offer airport lounge access. What does no annual fee mean? Get ready to apply. First, let's check your eligibility. If you've already checked, you're good to move on to the legal documents below. Check my eligibility. Now please take a look at the important legal info. By selecting 'continue' below, you are confirming that you have been provided with, and are happy with what's in these documents.

    All okay? Let's get started. Do you have NatWest Online Banking? You'll need to have Online Banking to apply online with us. If you don't, we'll help you sign up easily in just 5 minutes. You could save time by applying through our mobile app if you're already set up.

    Can't remember my login details. You're all set.

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