Mobile phone banking

Want to know your account balance or if a payment has left your account while you're away from the office? Mobile phone banking lets you access key information about your account, keeping you in touch wherever you are.

If you have a business account with a debit or ATM card, it's easy to set up and use mobile phone banking.

Benefits

• Security - we use sophisticated encryption technology and hold your information in a secure data centre, not on your mobile
• It's free - there's absolutely no charge for the service but your mobile network operator may charge for some services
• View balances and mini statements - view an up-to-the-minute account balance or a mini statement with your last 6 transactions, whenever it suits you
• Get text alerts - choose a time for a weekly update of your account balance or use our quick statement service to order mini-statements via text
• Top up your mobile - and up to four other mobiles as well

See mobile phone banking in action

• Take a look at our quick demo

It's easy to get started

• Register now for mobile phone banking

It's easy to set up mobile phone banking, and it's easy to use. Here's what you need to do:

• Go to the online registration page - you'll need your mobile details, an email address and the number on your bank card
• Download the software - your mobile phone will download and install the software
• Get secure - pick your own passcode, so that no-one else can access your account information
• Get started - registration only takes a few minutes - your card details will be verified within 24 hours and then you're ready to go

Got any questions?

• Take a look at our common questions

NatWest doesn't charge for any mobile phone banking services. However, your mobile phone network operator may charge for certain services.

Quick statements service
To use this service, text MINI to 82628. Standard text message rates will apply. We will then send your account balance and mini statement by text for free.

Data charges
Orange, Virgin Mobile and Vodafone currently charge for downloading and using the application on your mobile phone. The data charges applied depend on your agreement with your mobile network operator.

All other participating mobile network operators do not charge for downloading and using the application in the UK. However, additional network charges may apply when used overseas. Please check with your network provider.

Mobile phone top up charges
Mobile phone top ups will be debited directly from your current account and will be shown on your current account statement.

Will I have to pay extra for topping up my mobile phone with you?
Will mobile phone banking work on my phone?
Will mobile phone banking work with my mobile phone network?
Can I use mobile phone banking outside the UK?
What accounts can I access with mobile phone banking?
Do I need to set my mobile phone up specially to get mobile phone banking?
What if I lose my mobile phone?
What if I change my mobile phone network?
What if I change my mobile phone?
What if I change my mobile phone number?
What if I change my SIM card?
How will mobile phone banking use my personal information?

Will I have to pay extra for topping up my mobile phone with you?
No - you just pay for the cost of the top up.

Will mobile phone banking work on my phone?
Mobile phone banking works on most modern mobile phones. If your phone has a camera or games, it should work.
To use mobile phone banking your phone must:

• support Java
• have at least 64kb of free memory
• be able to connect to the internet - using WAP (GPRS) or 3G.

If your phone isn't compatible, you can still keep an eye on your account using text alerts.

Will mobile phone banking work with my mobile phone network?
Yes, if your network is one of:
O2
Vodafone
T-Mobile
Orange
Tesco Mobile
Virgin Mobile
3 (Currently, 3 only supports text alerts, balance checks and mini statements.)

Can I use mobile phone banking outside the UK?
Yes, as long as you use one of the supported mobile phone networks and have a UK bank account with an address registered in the UK. You'll also need to check with your mobile phone network that your phone allows international roaming.
Remember that your mobile phone network may charge you differently for using mobile phone banking outside the UK.

What accounts can I access with mobile phone banking?
You can access all NatWest current accounts which come with a debit card.
You can also add up to 10 accounts you have with Lloyds TSB, HSBC, first direct, and Alliance and Leicester.

Do I need to set my mobile phone up specially to get mobile phone banking?
All you need to do is make sure you have GPRS enabled and up-to-date WAP settings but you don't need to adjust your phone settings. When you register, we'll prompt you to download the latest settings for your phone.
You can also download or update your WAP settings [LINK TO http://monilink.wdsglobal.com/monilink/phonefirst] on the Monilink website.

What if I lose my mobile phone?
You need to tell your mobile phone network immediately, so they can disable the phone. If you get a new phone with the same number, you don't need to tell us. If you have a new number, you'll need to re-register for mobile phone banking or text alerts.

As long as your passcode is secure, no one else can use your phone to access your mobile phone banking data.

What if I change my mobile phone network?
As long as you keep the same number and your new mobile phone network supports mobile phone banking, you don't need to do anything.

What if I change my mobile phone?
Mobile phone banking
For security, make sure you delete the mobile phone banking software from your old phone. If you keep the same number for your new phone, you can simply text ‘DOWN' to 82428 to download the service again. Your passcode will be the same as before.
Text alerts
As long as you keep the same number, the service will carry on as before.

What if I change my mobile phone number?
You'll need to re-register for the mobile phone banking or text alerts as if you were a new customer.

What if I change my SIM card?
If you keep the same number, you don't need to do anything. If you have a new number, you'll need to re-register for mobile phone banking or text alerts as if you were a new customer.

How will mobile phone banking use my personal information?
If you would like to see what personal information we hold, please write to the Data Controller c/o MONILINK, PO BOX 568, Harrogate HG1 9BZ, enclosing a cheque for £10 payable to MONILINK

Most modern phones will be able to operate our full mobile phone banking service. Our text only service works with every mobile phone.

Account activity alert
You can arrange to receive a text if your account balance reaches a pre-determined upper or lower limit. You can use this service to trigger a warning if your account is about to become overdrawn or to alert (not sure reminder is the right term as this would be the first notification that the payment has been made therefore not a reminder?) that you have been paid by a supplier.

Weekly balance
You can arrange for your account balance to be sent to your phone once a week, on a day and at a time that suits you.

You can set up text alerts for up to ten accounts.

Text alerts costs
Text alerts are free for Advantage Business Current Account customers and cost just £2 a month for other customers.