Using your debit card

Make sure you get the most out of your debit card

Emergency cash – lost and stolen cards

If your NatWest Visa debit card is ever lost or stolen call us immediately on 0870 600 0459 (minicom 0800 917 0526). Even without your card you can still get access to the money in your account by using our 24 hour Emergency Cash service.

You can access up to £300 if you are an online or telephone banking customer and if you aren't we'll still give you up to £60 to tide you over. Remember you’ll need to have the money in your account before you can withdraw it - you'll need to have at least £25 available in your account.

All you have to do is answer a few quick security questions; we’ll then give you a code that will allow you to withdraw your money from any NatWest or RBS cash machine in the UK.

Visa Debit

With a NatWest Visa Debit card you can pay for goods and services and withdraw cash worldwide.

So whether you are paying for a meal in London, or enjoying some shopping in Paris, you'll find that using your debit card is an easy and convenient way to pay.

When using your Visa Debit card abroad, remember to look out for the Visa logo

Safe and convenient

Using a Visa Debit card abroad couldn't be more convenient and safe. All we do is simply convert the foreign currency amount you're paying or withdrawing into sterling, and apply transaction charges.

Then, the total amount is automatically debited from your account. Details of the transactions you make will appear on your statement so it really couldn't be easier.

Give it a go next time you're away

To use your Visa Debit card, just look for the Visa logo in retailers or on cash machines next time you are abroad, then use your card as normal.

Please remember that to be able to use your card abroad, you need to ensure you have enough funds in your account to cover your transaction - just as you would back home.

Charges apply when using your debit card abroad.

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Foreign transactions and debit card charges

Debit Card Charges (foreign currency or sterling)


Transaction typeCharges
Transactions in the UK,
Channel Islands, Isle of Man and Gibraltar.
Cash withdrawals in sterling:
  • at a UK cash machine (ATM)
  • in any UK NatWest branch
  • In any NatWest branch on the Channel Islands, Isle of Man or Gibraltar
  • using your Visa Debit card in any other bank, travel agent, bureau de change or other outlets displaying the Visa logo
  • No charge*
  • No charge
  • 1.5% (minimum £2, maximum £4.50)
  • 1.5% (minimum £2, maximum £4.50)
Purchase of foreign currency or traveller's cheques using a Visa Debit card:**
  • in any NatWest branch
  • in any other bank, travel agent, bureau de change or other outlets displaying the Visa logo

  • No charge
  • 1.5% (minimum £2, maximum £4.50)
Foreign currency withdrawal from cash machines2% (minimum £2, maximum £5)
Transactions abroad

Cash withdrawals


Purchase of currency or traveller's cheques using a Visa Debit card

Point of sale transactions

2% (minimum £2, maximum £5)

2% (minimum £2, maximum £5)

£1.25 per transaction


Exchange Rate Transaction Fee
Any transaction in a foreign currency is converted into sterling at our prevailing exchange rate and a transaction fee of 2.75% is subsequently applied for debit card transactions. This fee is known as the Exchange Rate Transaction Fee (ERTF).

Where a charge in the table above is stated as a percentage, this is a percentage of the sterling transaction amount.

*We will not charge you for using your card at an ATM in the UK but other companies may charge a fee. You will be advised on screen about any charges before you withdraw cash.

**Standard commission rates apply


Find a cash machine

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Call us

Lost debit cards
0870 600 0459

Minicom
0800 917 0526

Lines are open: Open 24 hours a day.
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