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How long will a payment or transfer take to arrive?

Transfers between your accounts

As long as you have enough money in the account you want to transfer from the transfer to your other online account will take place immediately. You can transfer up to £99,999.99 per transaction with a minimum limit of 1p. There is no daily maximum for the number of transfers you can make.

You can log in to Online Banking at www.nwolb.com (opens in a new window)

Payments to another person, business or account with another bank

If you are making a payment after 6.30pm, on a weekend, or a Bank holiday, the payment will normally leave you account immediately and be available in the recipient bank account within a few hours. The date displayed when making the payment and on your statement will be the next working day.

Outside of these exception times the date displayed will be today, the payment will leave your account immediately, and will be available in the recipient bank within a few hours.

Points to note

  • Payments and transfers that you make after 6.30pm Monday to Friday, at weekends and on Bank Holidays leave your account immediately, but the date on your screen will show as the next banking day
  • Usually, Faster Payments will be received by the payee almost immediately after leaving your account, but can sometimes take up to 2 hours
  • Your money can take more time to show on a credit card account
  • Transactions that are unusual to the normal operation of your account will be sent after we have completed some further investigation to make sure that your payment instruction is genuine
  • You can't recall or cancel a Faster Payment once you have sent it, and you would need to contact the payee and ask them to send the money back to you

Online Banking has a maximum payment limit of £20,000.00 per working day for personal and business customers. Telephone Banking has a maximum payment limit of £10,000.00. Payments made on a Saturday, Sunday or Bank Holiday will form part of the allowance for the next working day.

If you need to make a large value payment above the maximum payment limit, you can make a CHAPS payment through your branch. Remember to take your debit card and proof of identification with you.

NatWest branch locator
Find your nearest branch using our branch locator (opens in a new window).

If you are a business customer who regularly makes larger payments than £20,000.00 then the Bankline (opens in a new window) service may be better suited to your needs.