Pick from one of the options below and we'll help you on your way. It takes just 2 minutes and there’s no impact on your credit rating. If … The Instalment Plan counts as existing credit limit, which means you can’t free up additional funds by moving a purchase to an Instalment Plan. Product fees may apply. Interest on fees and charges is payable in line with our terms and conditions. Natwest issues credit and debit cards in United Kingdom under a total of sixteen different Issuer Identification Numbers, or IINs (also called bank identification numbers, or BINs). NatWest credit cards were sold as a convenient line of credit for customers who could not or did not want to pay in full in one transaction. 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. Representative Example. The NatWest Credit Card has no foreign transaction fees, no annual fee and no balance transfer fees. 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. Usually, there is an annual fee with this credit card, but if you have one of our Reward current accounts there’s no card fee. We’ve got a list of selected retailers that will offer you at least 1% Rewards, such as Harvey Nichols, National Express and Europcar. Select your credit card, tap ‘Manage my card’, then tap ‘Report lost, stolen or damaged’. If you do have a Reward current account, we’ll refund the fee when it is charged. To give you a clear idea of how many points you can earn with your spending, we’ve created a special calculator to help you do just that. You can do everything from checking your balance, transactions and statements, sending money to your family and friends or paying your bills. NatWest customers interested in consolidating credit card debt and getting 1.5 years of 0% interest on their balance transfer may want to check out the NatWest Balance Transfer Credit Card … Read the benefits and additional information here. What’s the difference between a rewards credit card and a cash back credit card? Learn more about interest free credit cards. If Instalment Plans are available to you, we’ll let you know via our mobile banking app by adding an ‘eligible instalment plan flag’ to your transaction, or as a notification when your 0% balance transfer offer has expired. Please note: this number is for reporting fraudulent activity on your credit card only, you … This service is now closed for a number of customers and we are continuing to close COL for more in the coming months. - in detail. So, if you want to buy those plane tickets, get that comfy new bed, or make other expensive purchases, a credit card could mean you don’t have to come up with the money in one chunk. We could help, We’re here to support you through all your life journeys, Learn more about interest free credit cards, 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. On the iPhone you can order a replacement for a lost or damaged credit card straight from the app. NatWest credit cards are fully regulated by the city regulator the Financial Conduct Authority (FCA). Welcome to NatWest. It's a regular payment made from your card, and automatically carries over to new cards unless cancelled. Credit Cards for Business. Use our eligibility checker to find out if you'll be accepted for this credit card before you apply. It’s that simple. Applying for a credit card is a quick and easy process. We add a small percentage to cover the foreign exchange fee. NatWest offers a range of credit card to suit different people's circumstances Rewards cards are tailor-made for customers that are looking to get something back for using their card A smart search with GoCompare prior to a credit card comparison/application can help protect your credit score You can visit Experian to request your free credit score file. Important information for credit cards If you have been with us longer than 12 months and haven't used your card … See the summary box document (PDF, 84K) for more details. Credit score is available once opted in through the app, to customers aged 18+ with a UK address, and is provided by TransUnion. We’ll contact you by email to remind you of the amount of available Rewards you’ve got to spend, and the latest offers. Generally, many retailers made a profit on shoppers who failed to pay off the balance on the card each month, when outstanding balances would attract interest charges. It's all here in one place. Our standard charge for using the card abroad is 2.75% of the amount of the transaction. NatWest. (variable) upon application - up to 27.9% p.a. There are a number of different ways that a NatWest credit card bill can be paid. Natwest issues cards under a total of eight IIN numbers including this one, so some card numbers issued by Natwest may start with IIN numbers from one of these other ranges. Verify who you are Step 1 of 2. A credit card Instalment Plan could be a good way to spread the cost. Now you can manage your finances anywhere you can get online (you can now get access to our mobile app too - criteria apply). The new design helps customers easily and quickly identify the correct way a card … Just a heads up - here's what you'll need to apply: You'll need to sign up for Online Banking with us to apply for the Reward credit card online. Apple Pay and Google Pay available on selected devices. When you get back home you'll see the purchases and withdrawals you made abroad shown in the local currency, then exchanged into pounds sterling on your statement. Our extensive personal banking products include bank accounts, mortgages, credit cards, loans and more. Your credit score lets providers know if you are suitable for a specific card. Please take some time to review, print and/or save the important information. If you are paying your own NatWest credit card then this should be available in the 'To' drop down list, if not please select 'Pay someone new' If using the 'Pay someone new' option, enter the credit card … Managing your credit card and keeping safe should be simple. Personal credit cards (24 hours a day) UK: 0800 161 5153. You can either: Simply convert them into money and it goes into your bank account. If you already access Online Banking you can add your credit card to the same service. How to stay safe when using your NatWest credit or debit card while overseas; Can I use my NatWest credit or debit card card abroad? Cashback reward calculator Balance transfer calculator Credit card repayment calculator All 3 calculators. From time to time, you’ll get personalised offers with even more Rewards, up to 15%! It's a regular payment made from your card, like a subscription to a publication … 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. However, … The Cards Online (COL) service is closing for new and existing users. About this credit card. We’ve kept our Reward scheme nice and simple: 5 Reward points equals £5 when redeemed. Unlike some big high-street banks, you don’t need to be an existing customer to be eligible (with the exception of the student credit card). Eligibility applies. Find out more about cashback credit cards. Only individuals who have registered or are registering for this service should proceed beyond this point. It just takes around 5 minutes. If you use your credit card a lot abroad then you might want to consider looking at one of these credit cards. Just touch your device to the card reader and hey presto! To apply, you must be a UK resident aged 18 or over. Using your debit card with your card-reader to approve a new payee within Online Banking will not be recognised as card activity. But they’ll only benefit you if you use them in the right way. That's why some credit card providers will offer incentives in return for spending money on their card. What do NatWest credit cards offer? NatWest credit cards allow you to manage your credit card spending through their mobile app, and with their online service Smart Data Online you can create reports integrable with accountancy software. Each time you are rejected by a lender, it can be harder for future applications to be accepted. If you go over your limit we’ll charge you a fee of £12. NatWest offers a small but carefully-designed range of credit cards designed to cater to most circumstances. You need to understand what your credit limits and APR mean before accepting an offer. If you don’t have a Reward current account, we’ll charge a £24 annual fee when you first use your Reward credit card (for example, by making a purchase or a balance transfer) and then each following year on the anniversary of that date. If you’re late paying, we’ll charge you a fee of £12. NatWest Online Banking is easy, secure and lets you do all the things you need to do to manage your money online. and even how often you apply for credit. Yes, our credit cards are widely accepted at millions of overseas retailers and ATMs, so your money is easily accessible. It's the perfect travel companion at home and abroad. There are a number of convenient ways you can make a payment to your card. Simply tell us your personal details. Business credit cards (24 hours a day) UK: 0345 300 4350. I have just received a letter from NatWest to tell me they are no longer offering Visa credit cards, and will replace mine with a Mastercard. Over 18s only. If you've received a letter and/or email from us about completing your business profile and need support in completing Your Business Profile information, please check the Reference on the … Debit card numbers that start with the Issuer Identification Number (IIN) 475747 are Visa debit cards issued by Natwest in United Kingdom. If you’re accepted, you can then request a balance transfer, by getting in touch or online. Card number. If you repay your balance in full each month, they can be very useful. You can bank them, trade them or donate them to one of our chosen charities. Our standard charge for using the card abroad is 2.75% of the amount of the transaction. Before you apply, check that you meet the eligibility requirements and have the information and documents you'll need to make the process as straightforward as possible. Over 18s only. In most cases, your application will be complete in under 30 minutes. How to apply for the NatWest Credit Card. You'll earn 1% in Rewards in supermarkets and 0.25% everywhere else. But to enjoy this feature, you have to clear your full balance each month (cash withdrawals and non-sterling transactions sadly tend not to benefit from this feature). To manage your personal NatWest credit card online you must be the primary card holder. Find out how to get started. NatWest offers a wide range of credit cards, from the Student card with a low maximum credit limit, to the Clear Rate Platinum card which comes with one transparent low rate. Instalment Plans are for existing credit card customers only, eligibility criteria and monthly fees apply. The easiest way to apply for a credit card is to apply online. Usually, there is an annual fee with this credit card, but if you have one of our Reward current accounts, we'll refund the annual fee. You are able to transfer cash from your credit card to you bank account. 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 we don’t have your phone number, we’ll send it through the post. Rejected applications for credit have a negative effect on your credit score. Take a look at our Reward current account. You might have some more questions about cashback credit cards, for more information see below. Find out in the table below how NatWest scored for its application process, online account management, telephone banking, mobile app, statement clarity, transparency of charges, overseas usage fees, customer service, query handling and complaint resolution. As with a cashback card, you earn a percentage of your spend back, but rather than getting it in cash, you get it in NatWest’s Rewards points. You earn points whenever you use your Reward credit card and these points are known as Rewards. Register your travel plans through the app to stop your transactions from being blocked or flagged as suspicious. To apply for a credit card … Simply tell us your personal details. Sample Terms and Conditions (PDF, 516 KB), How we use your information (PDF, 176 KB), We support you through different life events, Buying for the first time, moving or remortgaging? The good news is that it normally takes only 5 minutes. You can only create one travel plan at a time. However, you should always consider the interest rate costs alongside any incentives to avoid any nasty surprises. You can also make a payment in the mobile app or online banking. If you don’t have a Reward current account, we’ll charge a £24 annual fee when you first use your Reward credit card account (for example, by making a purchase or a balance transfer) and then each following year on the anniversary of that date. Use your Rewards to make a charitable donation to one of our selected charities. Want to find out more about applying online with us? Use our step-by-step guide. You also need to be registered for Online Banking before you can download our mobile app (criteria apply). The PIN should be four digits long and your password can be between 6 and 10 characters (letters and numbers only). As a NatWest customer, your business can choose between two different credit cards: Business and Business Plus. Check out our review for more information. If we do neeed more from you, we'll send you an activation code in a text message. Then, you can repay eligible credit card purchases or expired 0% balance transfer offers between £100 and £3000 inclusive. Copyright © National Westminster Bank plc 2021, We support you through different life events, Buying for the first time, moving or remortgaging? This can be between 3 to 24 months. To use your credit card, just look for the Visa and MasterCard logos in retailers or on cash machines next time you are abroad, then use your card as normal. You can even find cards that reward you for shopping. Our credit card eligibility checker shows your chances of having your application accepted. It takes just 2 minutes and there’s no impact on your credit score. If you're looking to find out whether a credit card, loan or overdraft is right for you, then our borrowing needs tool is a good place to get started. Is NatWest a good credit card provider? Eligibility applies. You'll need to re-register for Online Banking where you can pick a new PIN and password. Find out more about how credit cards work. You can also earn cashback on your spending with the Reward or Reward Black credit cards. You can use the mobile app to check your balance, set a daily or monthly budget and lock certain transaction types. The following options are available for current account holders, if you are a credit card only customer please arrange a payment through your own bank. If you're looking for manageable monthly payments, you could look for a low rate credit card. Always aim to pay off your credit card balance every month to make sure the benefit of Rewards outweighs any interest costs. Meet Tyl by NatWest, your new payment partner. However, we do have 2 credit cards where this isn't charged (Natwest Credit Card and Reward Black Credit Card). If you use your credit card a lot abroad then you might want to consider looking at one of these credit cards. App available to customers aged 11+ with compatible iOS and Android devices and a UK or international mobile number in specific countries. Managing your credit card… Please choose an option below to continue, Available to customers who have a current account, savings account, credit card or mortgage with NatWest, and are UK residents, 18+ and earning at least £10K per year, Manage your card wherever, whenever with the NatWest mobile app. However, we do have 2 credit cards where this isn't charged (Natwest Credit Card and Reward Black Credit Card). Existing NatWest customers can transfer debt from cards that aren't held with the RBS group to enjoy 18 months of 0% interest. Your score is based on your history of making payments (bills), paying back credit products (mortgages, loans, etc.) If you already hold a mortgage, credit card, savings or current account with NatWest, this deal lets you transfer that debt across to NatWest … Online Banking allows you to control your finances from wherever you have internet access. The NatWest Business Plus credit card has a 5* Moneyfacts rating, so you can select the card with confidence. The most common is setting up a Direct Debit. That’s why setting up a Direct Debit makes sense – you’ll never be late paying again. If you choose Sterling, NatWest won't be handling the currency conversion, so any estimate we provide using this tool won't be at our rate. Yes! The first step should always be to contact the retailer or company involved as this is often the quickest way to resolve any problems. Once your balance has grown to at least £5, we'll give you a choice of what to do with them. You'll need to have Online Banking to apply online with us. Once you’ve earned them, you’ve got options how to spend them. To apply you must have a current account, savings account or mortgage with NatWest. Apply for a NatWest business credit card. To apply for a credit card you need to be aged 18 or over and a UK resident. Why use my card number? Let's say you make a purchase using the NatWest Student Credit Card on the 1st day the month. Overseas: +44 1268 508 … Some other important details you should be aware of. It just takes around 5 minutes. 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. If you've already checked, you're good to move on to the legal documents below. For full details of fees, please see the Summary Box in the Ready to apply section below. It's a regular payment made from your card, and automatically carries over to new cards unless cancelled. * Card payment dispute form held on natwest.com Don’t recognise a payment on your statement? Virtual cards payment guide (PDF, 720 KB) Ensure that Adobe Reader is installed on the computer. So, it’s important to stay on top of your spending and manage your reward credit card carefully to make sure you get the most out of it. You must maintain a business bank account in the same legal entity name with NatWest… Overseas: +44 126 850 8020 . Make an easy repayment budget by avoiding hidden costs. Credit limits and APR are based on your personal circumstances and your credit score, and if you don’t know how much you can spend and the rate you have to pay it back, you risk going over your credit limit. 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. Available to customers who have a current account, savings account, credit card or mortgage with NatWest, and are UK residents, 18+ and earning at least £10K per year. Under Section 75 of the Consumer Credit Act, if you pay for goods or services using a credit card, the card provider is jointly liable with the retailer if something goes wrong. The NatWest Balance Transfer Credit Card is great for NatWest customers looking to consolidate their debt with a long 0% interest period.