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How do I make a payment using Online Banking?

Pay a bill or make a payment or transfer to a person or company from your bank account.

If you want to make a payment abroad see How do I make an international payment? for more information.

How do I make a payment?

Pay a bill or make a payment or transfer to a person or company from your bank account.

Online Banking

Information on how much you can pay.

  1. Log in to your Online Banking service at www.onlinebanking.natwest.com (opens in a new window)
  2. If you are paying someone via Online Banking for the first time, or paying someone new, you will need to authorise the payment using your card reader (opens in a new window). Payments can be made without a card reader via our mobile app – find out how to get the app on our Mobile Banking (opens in a new window) page.
  3. Click the 'Payment and transfers' link
  4. Under Make a payment or Transfer click 'Make a payment or transfer'
  5. Select the account to want to make the payment from
  6. Then select who you want to pay from the list in the drop down menu
  7. Enter the amount and select if you want to make the payment now or schedule it for a later date
  8. Then click 'Next'
  9. You will now see a screen confirming the details you have selected. If you are happy to continue tick the scam warning message and click 'Confirm'
  10. You will see a final confirmation screen showing that your payment has been arranged. You can now go back to review your accounts or make another payment

That's your payment complete! You will see the payment confirmation and be given the option to print your transaction.

Once a payment has been sent the payee's account should be credited instantly, however it can take up to 2 hours.

Mobile

  1. Log in to your mobile app.
  2. Tap on the account you want to make a payment from.
  3. Tap on 'Payments', then tap on 'Make a payment'.
  4. Choose who you want to pay from your list of saved payees. If you’re paying someone for the first time, select 'Pay someone new (opens in a new window)' and follow the instructions on the screen.
  5. Enter the amount you want to pay, add a payment reference and choose whether you want to make to payment now or schedule it for a later date.
  6. Check and confirm that the payment details are correct and then tap 'Make payment'.

That’s your payment complete! If you need to print or download a record of this payment, simply tap 'View receipt' and follow the instructions on the screen.

Limits and timescales

To make a payment from the mobile app for more than £1000, you'll need to have made at least one payment to that payee using Online Banking. A daily limit of £20,000.00 applies when sending money to your saved payees for Personal customers and a daily limit of £50,000.00 will apply for Premier customers, unless you change your existing reference.

Once a payment has been sent the payee's account should be credited instantly, however it can take up to 2 hours.

Keeping your payments safe

For added security you may be asked to authorise this payment. If this happens you will see the 'Authentication required' screen. Just tap 'Next'. Then re-enter your mobile app's log in details, to re-confirm it's you.