Paying for your holiday - holiday loans - Travel | NatWest

Saving and paying for your trip

NatWest Savings Goal Tool
Tools to help you plan your holiday

Budget Calculator

Create a budget and start saving for your holiday

Compare my Borrowing Options

Compare the different borrowing options that could help you

Holiday Spending Calculator

From Brazil to Beijing, work out how much you should take with you

Helping you plan and pay for your holiday

No matter what stage you're at with your holiday planning, we have the products, tools and services to assist you make your trip one to remember.  

1 year before you go

Each year 1,000s of customers like you set up a NatWest Savings Goal to put money aside for their holiday. By helping you budget and track your savings, our goals tool has successfully helped NatWest customers save on average £185 per month more than customers who don’t use a goal.


You just need a Savings account and to be registered for Online Banking in order to create your first goal. You could set up a regular payment from your current account into your savings account, so each time you are paid money is transferred over automatically…and then you’re one step closer to your next trip!

6 months before you go

Need some help to spread the cost of your holiday? A holiday loan could help - or why not use our Borrowing Needs tool to help you work out the best way for you to borrow?


To be eligible for a loan, you need to be a NatWest current account customer and over 18. Representative 4.9% APR for loans of £7,500 to £14,950. Other amounts available at alternative rates. Our rates depend on your circumstances and loan amount and may differ from Representative APR. 


1 month before you go

If you have a current account, check what advantages come with your account. Do you need to get travel insurance or mobile phone insurance or are you already covered? If so, upgrade or apply for one which does, view our range of accounts. You need to be aged 18 or over, and UK resident to apply and remember that some of our current accounts have a monthly fee associated with them. Also, remember to let us know before you go so that you can use your cards when you're away.


One advantage of using a credit card (but not a debit card) abroad is that purchases are covered by the Consumer Credit Act. This means if something you buy (of value from £100 to £30,000) is faulty or "not as described", you can recover the cost from the card provider or the retailer. Remember, there can be a charge for using your card so our handy guide can keep you in the know.


If you don't have a NatWest credit card, take a look at our range to see what suits you best (to apply you need to be UK Resident, aged over 18 and earn at least £10,000).

2 weeks before you go

Order your travel money so that you have plenty of cash with you when you're there.  Use the Holiday Spend calculator to work out how much you'll need - from Big Macs to a bottle of water, this can help give you pointers.

10 days before you go

If you are going to be making cash withdrawals and using your cards abroad it is worth telling us where you are going. Unexpected foreign spending often triggers a fraud alert and can lead to your cards being frozen. One quick action in your online banking before you go could help you avoid the headache!


While travelling is thoroughly enjoyable, it is also expensive! An arranged overdraft could give you the peace of mind and reassurance that you have minimised any fees and interest from going overdrawn to the agreed limit set with us. Arranged overdrafts are only available to eligible customers with a NatWest current account and are aged 18 or over.


With our Overdraft Calculator you can find out what it could cost to use an Arranged Overdraft for a certain number of days. You can even work out what you might be charged if you accidentally go over your agreed limit into an Unarranged Overdraft. (All costs shown by our calculator are for illustration purposes only. Your actual costs may vary).

The day before you go

Pop into branch for emergency currency if you need US Dollars or Euros.  We have pre-packs of currency ready for you to take away immediately...just in case you forget to order it earlier!


Remember your passport, sunglasses, suncream and most importantly...ENJOY!

Tips for going on holiday

Here are some tips we've found for planning a great holiday.


Remember to let us know before you go
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