The maximum amount in cash that you can pay into your account at a Post Office® or Cash & Deposit Machine (CDM) is:
- £3,000 per day
- £24,000 in a rolling 12 month period
Cash that you deposit at our branches also counts towards these daily and annual limits.
These limits only apply to money you pay in cash. There are other more secure ways of receiving money, such as online or electronic payments (opens in a new window).
Why is there a cash deposit limit?
Cash deposit limits help ensure we continue to keep you safe and secure. They also reduce financial crime.
These changes are for personal account holders and are similar to those made by other UK banks.
For information on limits for business banking customers, please have a look at the business cash hub (opens in a new window).
It’s worth remembering that there are other ways of receiving money into your account, such as online or electronic payments (opens in a new window).
How will my daily and annual cash deposit limits be affected if I pay in cash after a cut off time?
Deposits made at a Cash & Deposit Machine before 3:30pm on a working day (Monday – Friday, except Bank Holidays) will be processed that day. So your remaining daily and annual limit will be reduced on the same day, to reflect the deposit made.
If you make a cash deposit after 3:30pm or on a non-working day, your daily and annual limit may not reduce until the next working day, when your deposit is processed.
Post Office® branches have various cut off times, so check with the Post Office® you wish to use to confirm what cut off times they have for cash deposits. If you're paying in cash before their cut off time, your remaining daily and annual limit will be reduced to reflect the deposit made. If you're paying in cash after their cut off time, your daily and annual limit may not reduce until the next working day, when your deposit is processed.
If you pay in cash at a Post Office® using a barcoded credit slip, it should be processed within 1–2 working days. Your daily and annual limits will only be reduced to reflect this deposit on the day the transaction is processed.
What should I do if I have cash I need to pay but that will take me over my limit?
Our cash deposit limits apply to our Cash & Deposit Machines and at Post Offices®, so our colleagues in our branches will still be able to assist you with cash deposits. However, cash deposits made at one of our branches will also count towards the same remaining daily and annual limits.
NatWest branch locator
Find your nearest branch using our branch locator (opens in a new window).
It’s worth remembering that there are other ways of receiving money into your account, such as online or electronic payments (opens in a new window).
What does an example of cash deposited at a branch counter and the impact it has on my remaining limit(s) look like?
If you pay in £5,000 cash in one day at a branch, you cannot pay in any more cash through a Post Office® or Cash & Deposit Machine that day (your £3,000 daily limit is now £0).
You can only deposit a further £19,000 (as your £24,000 annual limit has been reduced by £5,000) at a Post Office® or Cash & Deposit Machine in the following 12 months.
It’s worth remembering that there are other ways of receiving money into your account, such as online or electronic payments (opens in a new window).
What should I do if cash deposit limits mean I need more support with my banking?
It’s worth remembering that there are other ways of receiving money into your account, such as online or electronic payments (opens in a new window).
There’s also Banking My Way. If you’ve not used it already, this free service lets you tell us about the support or adjustments you'll need to make banking easier (opens in a new window).
Do currency exchanges count towards my deposit limit?
Yes. When foreign currency is converted to UK Sterling in our branches, the Sterling cash value is deposited to your account. The converted Sterling value from foreign exchange transactions will be counted towards your remaining limits in Post Office® and CDMs.
Where can I find more information on secure online and electronic payments I can use instead of cash?
- Find more details about the ways you can bank with us and our mobile app, online banking, telephone and video banking services (opens in a new window)
- Find more details about how to make electronic payments (opens in a new window)
- Payments Hub (opens in a new window)
- Rooster Money (opens in a new window)