Business credit cards (24 hours a day) UK: 0345 300 4350. However, we do have 2 credit cards where this isn't charged (Natwest Credit Card and Reward Black Credit Card). Simply tell us your personal details. 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. You are able to transfer cash from your credit card to you bank account. 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. 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. Yes, our credit cards are widely accepted at millions of overseas retailers and ATMs, so your money is easily accessible. 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? Your actual credit limit and APR may vary depending on our credit assessment of you. In Chrome, go to the “ Menu ” icon, then choose “ Settings “. You'll need to re-register for Online Banking where we'll remind you of your customer number and you can pick a new PIN and password. 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. On the login page, type in your customer number and activation code. On this page. 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. 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 … It's a regular payment made from your card, and automatically carries over to new cards unless cancelled. You'll need to have Online Banking to apply online with us. NatWest offers a small but carefully-designed range of credit cards designed to cater to most circumstances. If you want to clear some debt, you could find a card that offers 0% on balance transfers. Credit Cards for Business. Interest on fees and charges is payable in line with our terms and conditions. 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. When you've got your new online banking details, select 'Next' below to continue applying for this credit card. Start taking card payments face to face, online and over the phone asap. This card is very convenient as you can make contactless payments at any point of sale in the UK and abroad. The balance transfer rate you’ll pay is on the back of your credit card statement (posted to you) or find out through Credit Card … If you’re looking for a card you can use abroad, you should look for a travel credit card with no foreign transaction fees. You need to understand what your credit limits and APR mean before accepting an offer. New NatWest debit cards now accessible for all customers . You’ll need your customer number, online banking PIN and password to apply online. This feature applies to Mastercard credit cards only. What do NatWest credit cards offer? We add a small percentage to cover the foreign exchange fee. But if you don’t plan to pay your balance off in full, the benefits of the rewards might not outweigh the interest you’ll be charged on your balance. You can use the mobile app to check your balance, set a daily or monthly budget and lock certain transaction types. Here’s a step-by-step guide on how to get a credit card in the UK: Not all credit cards are the same, and you need to find the right offer for your spending needs. With our Reward credit card, you earn points and these points are known as Rewards. Students who need a little extra help making it through the term can apply for a student credit card which has a lower credit limit. To apply for a credit card … But they’ll only benefit you if you use them in the right way. NatWest Online Banking is easy, secure and lets you do all the things you need to do to manage your money online. The most common is setting up a Direct Debit. 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 … 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? To apply, you must hold a current account, savings account, credit card or mortgage with NatWest, be a UK resident, aged 18+ and earning at least £10K per year Representative … Head on over MyRewards hub to see more of our participating retailers, or login to your MyRewards account. If you’re a business owner, you could get a great deal with the Business credit card. A regular debit or credit card payment is not a direct debit or a standing order. Customer number. A credit card Instalment Plan could be a good way to spread the cost. 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. Just tap on your account, tap ‘Manage my card’ and then ‘Going abroad.’ Travel plans can be made for up to 90 days and include up to seven countries. Apple Pay and Google Pay available on selected devices. 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. Eligibility applies. As a NatWest customer, your business can choose between two different credit cards: Business and Business Plus. Natwest issues cards under a total of eight IIN numbers including this one, so some card numbers issued by Natwest may start with … Pay back your purchase over a set period that suits you. If you only go over your limit by £12 or less, we won’t charge you. You can also request a PIN reminder or unblock your PIN through the app. and even how often you apply for credit. New card features are being rolled out from today with all cards having a notch and raised dots. If you use your credit card a lot abroad then you might want to consider looking at one of these credit cards. Copyright © National Westminster Bank plc 2021. A cashback credit card gives you rewards on spend in the form of money in your account whereas reward credit cards give you points on your spend that can be converted. The NatWest accessible credit card is a new card design developed with and accredited by the Royal National Institute of Blind People that makes it easier to use your credit card if you are blind or partially sighted. We’ll contact you by email to remind you of the amount of available Rewards you’ve got to spend, and the latest offers. With our Reward credit card, you’ll also earn 0.25% in Rewards on all purchases whether you’re at home or abroad. Apply for a NatWest business credit card. Lock and unlock your credit card - in detail, Take control of your spending - in detail. Representative Example. You could save time by applying through our mobile app if you're already set up. You can check it as often as you like with no impact on your credit score. There are a number of different types of credit cards on the market, which can be overwhelming, so we’ve created a handy credit cards guide to help you out. Online Banking. The NatWest Reward Credit Card (representative 23.7% APR) is a bit of a cashback and rewards card rolled into one. You can bank them, trade them or donate them to one of our chosen charities. A regular debit or credit card payment is not a direct debit or a standing order. Use your Rewards to make a charitable donation to one of our selected charities. For the security of customers, any unauthorised attempt to access customer credit card information will be monitored, and may be subject to legal action. If you've compared cards and want to apply, completing the secure online application form takes about 10 minutes. 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. Where can I see a full list of your partner retailers? Pick from one of the options below and we'll help you on your way. Our free Cards OnLine management system helps you keep track of your NatWest credit and charge card balances, statements and transactions. From time to time, you’ll get personalised offers with even more Rewards, up to 15%! You can bank them, trade them or donate them to one of our chosen charities. Learn more about interest free credit cards. Please note: this number is for reporting fraudulent activity on your credit card … 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. Using your debit card with your card-reader to approve a new payee within Online Banking will not be recognised as card activity. So we know who you are, we just need the details you use to log into Online Banking and Telephone Banking. 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. Once your balance has grown to at least £5, we'll give you a choice of what to do with them. That’s why we allow you to lock and unlock your credit card in the app. 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. Credit card numbers that start with the Issuer Identification Number (IIN) 545460 are Mastercard credit cards issued by Natwest in United Kingdom. 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). Find out how to get started. Our extensive personal banking products include bank accounts, mortgages, credit cards, loans and more. It's a regular payment made from your card, and automatically carries over to new cards unless cancelled. You can do everything from checking your balance, transactions and statements, sending money to your family and friends or paying your bills. You may find it useful to use our credit card … Once you’ve earned them, you’ve got options how to spend them. It is equipped with an EMV chip and PIN encryption to prevent fraud. 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. NatWest credit cards are part of the Mastercard network, so they’re accepted in more than 35 million locations worldwide. Our standard charge for using the card abroad is 2.75% of the amount of the transaction. And 0.25% back everywhere else, including supermarket petrol stations, Annual fee applies - but we'll refund it if you have a Reward current account, Manage your card wherever, whenever with the NatWest mobile app (Criteria applies). If you accidentally go over budget, we’ll send you a notification as a handy reminder. A notch has been carved out of the side, to help you identify which way to insert your card into a cash machine or card … Only individuals who have registered or are registering for this service should proceed beyond this point. You'll also be given personalised monthly spend offers from some of our partner retailers. The easiest way to apply for a credit card is to apply online. About this credit card. To apply you must have a current account, savings account or mortgage with NatWest. NatWest offers a competitive fee-free 0% balance transfer deal, a low-rate card with no foreign transaction fees on purchases abroad and a cashback reward credit card. Your credit score lets providers know if you are suitable for a specific card. How to apply for the NatWest Credit Card. Read the benefits and additional information here. There are a number of different ways that a NatWest credit card bill can be paid. View your credit score and some of the key details that help to calculate it for free in the app by going to your Profile. Learn more about Instalment Plans and how to create one, Apple Pay and Google Pay™ allow you to make a contactless payment in shops, because all your card details are securely stored within your device. Virtual cards payment guide (PDF, 720 KB) Ensure that Adobe Reader is installed on the computer. 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 … Learn more about Google Pay. Find the right card for you See if you’ll be accepted for a range of cards before applying, without harming your credit … You cannot have a cash balance on your credit card account. This could be a good option if you like to repay your balance in full every month. Check your eligibility. Eligibility applies. Find out more about how credit cards work. A good way to avoid going over your limit is to log onto NatWest Online Banking or fire up our mobile app and check your balance before you make your next card purchase. Let's say you make a purchase using the NatWest Student Credit Card on the 1st day the month. To apply, you must be a UK resident aged 18 or over. The PIN should be four digits long and your password can be between 6 and 10 characters (letters and numbers only). You can only create one travel plan at a time. The NatWest Business Plus credit card has a 5* Moneyfacts rating, so you can select the card with confidence. Companies, such as Experian, keep files that show how financially reliable you are. Our money transfer service lets you send cash from your NatWest credit card to any UK bank account. 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. If you do have a Reward current account, we’ll refund the fee when it is charged. That’s why setting up a Direct Debit makes sense – you’ll never be late paying again. Credit cards give you valuable consumer protection that cash and debit cards don’t. Product fees may apply. Why use my card number? Now you can manage your finances anywhere you can get online (you can now get access to our mobile app too - criteria apply). Avoid interest and pay a set fee each month instead. Existing NatWest customers can transfer debt from cards that aren't held with the RBS group to enjoy 18 months of 0% interest. If you’re accepted, you can then request a balance transfer, by getting in touch or online. Over 18s only. Need a hand getting set up? On the iPhone you can order a replacement for a lost or damaged credit card straight from the app. If you're looking for manageable monthly payments, you could look for a low rate credit card. Check your eligibility with our tool. It’s that simple. 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 We could help, We’re here to support you through all your life journeys. 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). The first step should always be to contact the retailer or company involved as this is often the quickest way to resolve any problems. 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. Welcome to NatWest. There are a number of different ways that a NatWest credit card bill can be paid. Cashback reward calculator Balance transfer calculator Credit card repayment calculator All 3 calculators. If you have a question that isn’t answered here, you could try our My Rewards hub. It just takes around 5 minutes. Want to stay on top of your financial health? There are a number of convenient ways you can make a payment to your card. It's safe, secure and usually doesn’t take long. Make a note of it so you can log in, in the future. 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. Some other important details you should be aware of. 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, there are other online services that will allow you to view these details. And this is where our Rewards are so versatile. Want to find out more about applying online with us? Sit back and watch our short video guide. 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. Is NatWest a good credit card provider? Got a big purchase in mind but don’t want all the money to come out of your current account? We’ll show you your customer number on screen. Learn more about Apple Pay 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. Remember, unsuccessful credit card applications could affect your score, so make sure you know your credit score before starting the application process. Card number. 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. If you already access Online Banking you can add your credit card to the same service. Rejected applications for credit have a negative effect on … In most cases, your application will be complete in under 30 minutes. Debit card numbers that start with the Issuer Identification Number (IIN) 475747 are Visa debit cards issued by Natwest in United Kingdom. You must maintain a business bank account in the same legal entity name with NatWest… Please take some time to review, print and/or save the important information. If you've compared cards and want to apply, completing the secure online application form takes about 10 minutes. With our Reward credit card, you earn points and these points are known as Rewards. When making a payment or withdrawing cash abroad, you might get the option to pay in that currency or Pound Sterling (£). Natwest credit cards also have a new generation of features, including advanced security features. 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. 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. However, you should always consider the interest rate costs alongside any incentives to avoid any nasty surprises. You may receive higher than our standard purchase and balance transfer rate of 18.9% p.a. App available to customers aged 11+ with compatible iOS and Android devices and a UK or international mobile number in specific countries. The better your score is, the greater choice you have when it comes to applying for credit cards and larger credit limits. Select your credit card, tap ‘Manage my card’, then tap ‘Report lost, stolen or damaged’. Almost all credit cards offer you a "grace period" in which to settle your purchases. The new design helps customers easily and quickly identify the correct way a card … We'll refund the annual fee for your Reward credit card if you also have a Reward current account. If you’re looking to cancel a subscription, have already cancelled but been charged again or want to remove a previous cancellation request. There are several ways you can pay your credit card. Managing your credit card in the app is easy too – you can pay your balance, set up a direct debit, change your credit limit and lots more. Finished! Remember, all our credit cards are contactless too. Each time you are rejected by a lender, it can be harder for future applications to be accepted. Check out our review for more information. Rewards cards could give you an extra little something back that you otherwise wouldn’t get. Our standard charge for using the card abroad is 2.75% of the amount of the transaction. Supporting individuals . Reasons to choose NatWest… It's the perfect travel companion at home and abroad. Check your eligibility. If you already hold a mortgage, credit card, savings or current account with NatWest, this deal lets you transfer that debt across to NatWest and benefit from a … How does the Reward credit card annual fee refund work? Go to the NatWest website and click ‘login’ in the top right-hand corner. A regular debit or credit card payment is not a direct debit or a standing order. For full details of fees, please see the Summary Box in the Ready to apply section below. Cashback is simply a type of Reward. On this page. Use our free eligibility checker before you apply to see if you’re likely to be accepted. Pay using Mobile App 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 a regular payment made from your card, like a subscription to a publication … Managing your credit card and keeping safe should be simple. If you've already checked, you're good to move on to the legal documents below. If you go over your limit we’ll charge you a fee of £12. 30 May 2019 . You may find it useful to use our credit card repayment tool (opens in a new window). Your customer number. If you need a hand, follow our step-by-step guide below. The Cards Online (COL) service is closing for new and existing users. It takes just 2 minutes and there’s no impact on your credit rating. Personal credit cards (24 hours a day) UK: 0800 161 5153. There are plenty convenient ways to pay using the Reward credit card. NatWest. 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