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Why have ATM screens changed?

ATM balances have changed in accordance with High Cost of Credit Review from the Financial Conduct Authority (FCA) regulations on Available Balance. The regulation means we can no longer display a balance which is a combination of both customers own funds plus arranged overdraft funds together. These balances now have to be shown completely separate.

Why can’t I see my daily ATM withdrawal limit?

Due to regulation changes on available funds from the Financial Conduct Authority (FCA) we can no longer display ‘today you can withdraw £x’ on our ATMs. This is because the daily withdrawal limit could be a combination figure of both customers own funds and any arranged overdraft funds together – which we are no longer allowed to display.

Your daily cash withdrawal limit remaining has not changed and you can still withdraw up to that amount. To find out your daily ATM cash withdrawal limit please call Telephone Banking (this service uses the same security details as Online Banking:

03457 888 444
Overseas: 0345 030 3605
Minicom: 0800 404 6161

Alternatively, visit your nearest branch.

Telephone banking
Personal customers - 03457 888444 (overseas +44 3457 888444)
Open 7 days a week 8am-8pm (Automated service 24/7).

Business customers - 03457 114477 (overseas +44 3457 114477)
Minicom: 0800 404 6161
Open 24 hours a day.
Calls may be recorded.
Call charge information.

Please have your customer number and PIN ready as this will enable your call to be answered faster and more securely. These are the same details you use to log in to online banking.

Why can I not see balance including pending items on the NatWest Group ATM?

Balance including pending items will only appear on NatWest Group owned ATMs if there is a pending difference to highlight. This is to reduce any confusion or double counting of balances.

Why do I see 'different' balances on other providers’ ATMs?

Balances on ATMs may differ dependant on if you are using a NatWest Group ATM or another providers’ ATM, such as a LINK ATM. This is because LINK rules currently accept two balances ('account ledger' balance and 'available') from card issuers in the UK.

The Available balance displayed on other providers’ ATMS is populated using Balance including pending items. Due to Financial Conduct Authority (FCA) changes you will not be able to see any arranged overdraft funds combined within the available balance.

Why can I not see my Arranged overdraft funds on other providers’ ATMs?

This is because LINK rules currently only displays two balances ('account ledger' balance and 'available') from card issuers in the UK. Due to Financial Conduct Authority (FCA) regulation changes you will not be able to see any arranged overdraft funds combined within the available balance.

However NatWest Group ATMs will display your arranged overdraft for you as a separate balance. Your arranged overdraft is still available to use at any ATM if you wish to do so.