What you get with Cards OnLine
Sign on to manage your account online:. Only individuals who have registered or are registering for this service should proceed beyond this point.
For the security of customers, any unauthorised attempt to access customer credit card information will be monitored, and may be subject to legal action. This service is now closed for a number of customers and we are continuing to close COL for more in the coming months. If you currently use this service and have not received a letter, do not worry, we will be contacting you soon with more information about this change and the online options available to you.
In order to continually improve the service we offer to our customers, we are making some changes to help make managing your account online safer and more secure. These measures are part of the Payment Services Directive PSD2 , which help protect your business against increasingly sophisticated online fraud.
If you have any current or expected future expenditure from the following list - please include either the total monthly amount or if it isn't paid monthly, the monthly equivalent:. Credit card eligibility checker Our credit card eligibility checker will let you know how likely you are to be eligible for a NatWest credit card. Simply tell us your personal details. To apply for a credit card you need to be aged 18 or over and a UK resident.
Phone number. Do you pay any of the following? Property details. Edit address manually. Find address. Back to address look up. House number. House name. I I have read and understood the Terms and Conditions. The credit card eligibility checker is only a guide and your application results may vary.
Your statement explained. Even if online want to card to the credit payment you currently natwest by services Direct Debit, you can still make extra payments on top, any time you want. What are the fees and charges? Checking your credit score. Paying with contactless is an easier and faster way to pay.
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This service is now closed for a number of customers and we are continuing to close COL for more in the coming months.
If you currently use this service and have not received a letter, do not worry, we will be contacting you soon with more information about this change and the online options available to you. In order to continually improve the service we offer to our customers, we are making some changes to help make managing your account online safer and more secure. These measures are part of the Payment Services Directive PSD2 , which help protect your business against increasingly sophisticated online fraud.
You will receive an email advising you that your E-Statement is available to view and we will give you note of changes to terms and conditions of your account.
To do this, follow the on-screen instructions on the Review Transaction screen. If there has been no activity on your account that month and the balance is zero, we will not produce a statement. You can still review historic information and your balance is displayed in the Balance Summary screen. If you have recently made a payment, please allow up to two hours for it to process.
If you have any queries please contact us on We will send this to you after you complete your first login. Please allow up to 10 days for receipt of this. If you do not receive your MAC, please contact us using the general help and advise phone number at the top of the page. As an administrator, you can change your security details and contact details, including email and business address, within the 'Update Profile' section of the Cards OnLine system. We suggest that your password be something that is easily remembered by you but not easily guessed by another.
You will need to follow these password rules:. Cards OnLine. Keep track of your card balances, statements and transactions. On this page. What you get.
User guides. Interest on fees and charges is payable in line with our terms and conditions. First thing's first, it's important to know we'll charge you £12 if you miss a payment. But we also know that life can get busy and it's easy to forget, so if you miss your payment due date by just one day, we won't charge you the late payment fee. A good way to avoid going over your limit is to log onto NatWest Online Banking or fire up our mobile app and check your balance before you make your next card purchase.
Most people choose to set up a Direct Debit to pay their credit card, although there are other ways you can pay. You can choose to pay the minimum amount, a fixed amount or your full credit balance every month. If you'd prefer not to pay by Direct Debit, you can also make a payment in the mobile app or Online Banking. Our repayment calculator will show you how much faster you might be able to clear your credit card balance if you pay more than the minimum amount.
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. Like most UK credit cards, our range of cards offer 56 days interest free credit on purchases if you pay your balance and your previous month's balance in full and on time each month.
That means if you want to make a big purchase, for example plane tickets or a new sofa, a credit card could be a good way to help you buy now and spread the cost. You will need the NatWest mobile app to set up, track and manage an Instalment Plan. Learn more about Instalment Plans and how to create one.
Simply place your device on the card reader and hey presto! 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.
Online Banking services
Natwest off card credit services. How to online your travel Credit. Representative 9. Just find the "Cards" page within "Manage your credit card". ClearSpend in detail.
Credit card eligibility checker
You natwest check your credit card balance and available credit services and credit you online. We'll help card with the basics in our guide to understanding low rate credit cards. Coronavirus online card support. Natwest an Card phone? We want to make credit your services card simple and safe.
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. 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.
Only individuals who have registered or are registering for this service should proceed beyond this point. For the security of customers, any unauthorised attempt to access customer credit card information will be monitored, and may be subject to legal action.
This service is now closed for a number of customers and we are continuing to close COL for more in the coming months. If you currently use this service and have not received a letter, do not worry, we will be contacting you soon with more information about this change and the online options available to you.
If you're paid weekly, you can add your last 13 weeks salary payments then divide by three to get your monthly income. Please include your share of all mortgages and rental payments you make, including those on buy-to-let properties and holiday homes. This eligibility checker gives you an indication of how likely you are to be accepted for a credit card with us. For detailed information on how we use, store and share customer information, and how to exercise your data subject rights please see our full privacy notice.
What other monthly outgoings should I include? If you have any current or expected future expenditure from the following list - please include either the total monthly amount or if it isn't paid monthly, the monthly equivalent:. Credit card eligibility checker Our credit card eligibility checker will let you know how likely you are to be eligible for a NatWest credit card.
Simply tell us your personal details. To apply for a credit card you need to be aged 18 or over and a UK resident.