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Coronavirus (COVID-19)

We're here to support you during coronavirus

Financial support

payment holidays and other support
  • As of 1 April 2021 you can no longer apply for Loan, Mortgage or Credit card payment holidays.
  • You can apply for an extension to your existing payment holiday provided that you’ve not received the maximum of six months and there has been no break in the support taken. Any payment holiday extension offered after this date will stop on 31 July 2021, even if you haven’t reached the maximum of six months.
  • We are also no longer accepting new applications for interest free periods on overdrafts.

 

Worried about the future

If you know your finances are unlikely to improve and you are worried about the long-term impact of coronavirus, it's important that you get in touch with us to discuss your options. Visit our dedicated page for more information. 

Struggling financially

Making the most of your money

useful tips and resources

We offer a wide range of tools to help manage your money and improve your finances.

Know your credit score

Get a free Financial Health Check

You can also find independent support resources on our struggling financially page.

Independent support

Financial support available to you

If you're worried about the impact of coronavirus on your finances, we have a number of options available to support you depending on your circumstances. Find out more about the support available for your product below.

Financial support available to you

Mortgages

Existing customers - how to apply for a payment holiday extension?

As of 1 April 2021, you can no longer apply for a new payment holiday. You can apply for an extension to your existing payment holiday provided that you’ve not received the maximum of six months and there has been no break in the support taken. Any payment holiday extension offered after this date will stop on 31 July 2021, even if you haven’t reached the maximum of six months. 

Existing customers - payment holiday is ending

Before your payment holiday ends we’ll send you a letter about the next steps. If you’ve had a 6 month payment holiday, please refer to the letter we sent you around 3 weeks before your payments are due to restart. It’ll include the different options and how we can provide help and support. If you’ve had less than a 6 month maximum payment holiday and you need additional support, please visit our dedicated page to find out more about your options.

New customers - recently applied for a mortgage?

If you’ve had a mortgage offer with us approved but because of current circumstances you can’t complete the purchase, we’re here to help. We can extend your mortgage offer by 1 month to give you extra time to complete buying your new property or re-mortgaging your existing property. 

Loan repayment breaks

We can no longer accept requests for a new repayment break. However, if you are unable to make your regular repayments we have measures in place to support you in managing your repayments. To understand your options ask Cora, our digital assistant. 

What happens when my loan repayment break comes to an end?

If you have an existing repayment break then when this comes to an end we’ll get in touch to let you know what you need to do. If you have only had one repayment break you can apply to extend the break. Any agreed extension will be for 3 months or stop after your July repayment (whichever is sooner).

Overdrafts

Tell me more about the interest free amount

If you’ve requested the interest free amount, this support will continue to apply until the end of your buffer period. Please note that from 1st April 2021, we are no longer accepting new applications for interest free periods on overdrafts.

What support is available?

If you are financially impacted by coronavirus, there are a number of other ways in which we may be able to support you.

Credit cards

Credit card payment breaks

From 1 April 2021, we can only accept applications to extend an existing payment break provided you have not received the maximum of six months support. Any agreed extension will be for 3 months or stop after your July statement (whichever is sooner).

Credit card payment dispute

If you’ve not received the goods or services you’ve paid for by credit card, the first step in making a claim is speaking to the retailer to see if they can resolve. If the payment was made through PayPal, please refer to their Disputes team for details on how to resolve.

Contactless limit increase

The limit for contactless spending with your 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.

What will happen when my card payment break comes to an end?

When your payment break comes to an end we'll get in touch to let you know what you need to do.

Insurance

Home, Renters, Car and Premier (Home, Car or Pet) Insurance payment deferrals

If you're finding it difficult to pay your monthly insurance payments as a result of coronavirus, there are a few different ways we could help you. We can review your levels of cover, your payment dates or organise a payment deferral. Before requesting a payment deferral, please read the important information below to make sure you're fully aware of the impact on your insurance.

Contactless limit increase

The limit for contactless spending with your Debit 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.

Request to increase your Debit Card cash withdrawal limit

You can request an increase in your NatWest Debit Card cash withdrawal limit of up to £500 to help you access your money.

Debit Card payment dispute

If you’ve not received the goods or services you’ve paid for by Debit Card, the first step in making a claim is speaking to the retailer to see if they can resolve the issue for you. If you have contacted the retailer and they were unable to assist, we can raise a dispute for you.

Removal of fixed savings early closure charge

Early closure of NatWest fixed savings accounts to access cash with no early closure charge.

Student and Graduate account - no account changes in 2020

If you have a Student account and are expecting to move to a Graduate account this year, due to current circumstances your account will no longer change in 2020. If you have a Graduate account and are due to move to the second year where your interest free overdraft buffer is reduced, this reduction will also not take place in 2020.

Helping you bank from home

Supporting NHS and social care workers

We’re dedicated to you, while you’re dedicated to others

We've set up dedicated 24/7 support just for you.

Customers over 60 and in extended isolation

Banking for everyone

Dedicated support during self-isolation.

Get confident with Digital Lessons

Helping you back from home

We're here to help you bank from home with face to face Digital Lessons. Learn how to use the mobile app and Online Banking.

Using the mobile app

To help you get started, here are some of the things you can do on the mobile app

Other ways we can help you

Dealing with change

How we can help

Changes at work

We’ve pulled together a useful guide to help you understand your employment rights.

Caring for someone vulnerable

Practical advice for those caring for someone vulnerable. 

We know that losing someone is extremely difficult, we want to give you the support you need during this time.

Plan ahead

Peace of mind for the future

None of us like to think about our loved ones having to manage without us. But it's important that we do. If you became seriously ill, would your family know what to do? Would they know who you bank with, whether you have life insurance, or where to find your will?

Plan Ahead is a free, online tool that can help you record, store and share important documents like a will or policies such as pensions or life insurance. 

Plan ahead criteria applies.

Protecting against financial abuse

 

Our specialist teams work in partnership with UK charity SafeLives, to protect and support customers who are victims of financial abuse.

If you're affected by financial abuse, we can offer support to help you regain control of your finances. The most important thing is that you talk to someone - there is always help available to you.

 

Frequently asked questions

Something else we can help you with?