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Managing your money

Struggling financially

Coronavirus support

Where you have had a direct financial impact caused by the coronavirus, we may be able to support you. Financial impact may be caused by a delay in income, a reduction in income or increased expenditure, unexpected loss of income or other serious change to your circumstances.

 

NatWest Business customers

We're here to support you. Please visit the dedicated coronavirus guidance and support hub.

We have put a range of measures in place to help support you if you're experiencing financial difficulties as a result of the outbreak:

  1. 01

    Payment holidays for up to 3 months to support with the impact of coronavirus on NatWest Mortgages. You can find more information on applying for a payment holiday on our managing your mortgage page.

  2. 02

    Payment deferrals of up to 3 months to support with the impact of coronavirus on NatWest Loans.

    • Log into our mobile app, simply tap 'Help' at the bottom of the screen followed by 'Message us' and quote 'coronavirus loan' in your message. 

    Find out how to get the app

  3. 03

    You can apply to increase your credit card limit.

  4. 04

    Refunds on request for NatWest credit card cash advance fees, where you've needed to access cash in an emergency.

  5. 05

    Early closure of NatWest fixed savings accounts to access cash with no early closure charge. To close your fixed term savings account, you can call us on 03457 888 444 (Relay UK: 18001 03457 888 444).

  6. 06

    You can request an increase in your NatWest Debit Card cash withdrawal limit of up to £500 to help you access your money. To do this, you can call us on 03457 888 444 (Relay UK: 18001 03457 888 444).

  7. 07

    From Monday 30th March, for three months, all of our Personal Banking customers using their overdraft will pay less as we’re keeping overdraft interest at their current rates and they won’t pay any fees or charges. To find out more, please see our overdrafts page.

  8. 08

    We won’t charge a late fee for any credit card payments due from 1st April until 30th June 2020. You don’t need to get in touch, we will do this automatically. You should still try to make at least your minimum monthly payment on time to avoid affecting your ability to get credit in the future.

  9. 09

    The limit for contactless spending with your debit or credit card is increasing from £30 to £45. Retailers need to update their systems to accept these changes, so you don’t need to contact us if your contactless payment over £30 is declined, simply continue to use chip and PIN. You’ll still need to occasionally enter your PIN when presenting your card to prove it’s really you.

    Find out more about contactless limits here

What if I can't make a payment?

Ways to get in touch

We are experiencing very high volumes of calls as our customers and colleagues adapt to the impacts of coronavirus. The quickest way to contact us is via the mobile app, which has a 24/7 chat and messaging service.

In the mobile app

If you have access to our Mobile App, please use the ‘Message us’ facility. This is the quickest way for you to contact us at this time.

Alternatively you can ask Cora via the 'Help' button in the bottom right corner of the page.

Independent support available

If you are struggling with your finances, you may want to consider  contacting a free debt advice organisation.

There are a number of organisations who can help. NatWest work in partnership with PayPlan (a third party company), who offer free  and confidential debt advice, helping you take control of your finances.

If you find yourself worrying about debt, PayPlan offer advice by phone, email and live chat  making it quick and easy to access the advice you need. Arrange a call or email back from Payplan.

Additional support

Citizens Advice
Free advice on debt, benefits, housing, legal matters, employment and general consumer advice.

Money Advice Service
Free advice on debt, divorce/separation, setting up a new home, care & disability.

Stepchange Debt Charity
Free advice on bankruptcy, charging orders, employment, benefits, money management and mortgage/repossession support.

 

Shelter
Free advice on housing, debt, benefits, eviction & homelessness.

National Debt Line
Free and confidential advice on debt.

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