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Payment limits

What are payment limits?

In order to keep you safe and secure, we apply a maximum limit to the amount and frequency of payments that you can make per day to provide an extra layer of protection against fraud.


Paying someone new

Paying someone new refers to paying an individual or company who you have not added to your list of saved payees. This method also allows you to make the payment without the use of a card reader.

  • Daily payment limit: £500
  • Payment frequency: Maximum of 5 payments per day and cannot exceed £500 total
  • Daily limit applies from: 12am – 12am daily


Paying a saved person or business

Saved payees are individuals or companies who you have already made a payment to from either Online Banking, Mobile Banking, Telephone banking or at a branch and are now saved for future payments.


  • For people you have already paid via online or in branch: £20,000 per day
  • Daily limit applies from: 6.30pm to 6:30pm the following business day


  • For people you have not previously paid via online or in branch: £500 per day  
  • Daily limit applies from: 12.00am to 12.00am the following calendar day

Utility and credit card payments

Making bill payments or payments to a credit card? Our app contains a list of the most popular and frequently used utility, local authority and credit card companies.


You don't need to enter the company's account details, just type the name (via pay someone new) and we will pre-populate this information for you. You just need your reference number (long number on your credit card) to hand.

  • Transaction limit for a  utility provider: £20,000
  • Credit card providers daily limit (if not added as a saved payee): £500
  • Payment frequency: Unlimited payments


Pay your contacts

Pay Your Contacts lets you send money to anyone with a UK mobile number who has a Royal Bank of Scotland, NatWest, Ulster Bank, NatWest Offshore or Isle of Man Bank Mobile app, or has registered for the Paym service.

  • Daily limit: £250
  • Payment frequency: 20 payments per day totalling £250
  • Daily limit applies from: 12am – 12am daily


International payment

International payments lets you send money abroad to saved payees, who are individuals or companies you have added to your list of payees via Online Banking or at a branch.

  • Personal account daily limit: £10,000
  • Business customer’s daily limit: £20,000
  • Payment frequency: Unlimited
  • Daily limit applies from: 3.00pm – 3.00pm


Get Cash without your debit card

Get Cash lets you withdraw money quickly without using your bank card. It's great for those times, when you pop out during your lunch hour, but don't have cash on you.

  • Daily limit: £130 per day
  • Payment frequency: 2 withdrawals per day totalling £130
  • Daily limit applies within: 24 hours from when the Get Cash code is generated.



If you wish to make any payments outside of these thresholds you can contact telephone banking or visit a branch.