Important

We use cookies to help provide you with the best possible online experience. By using this site, you agree that we may store and access cookies on your device. You can find out more and set your own preferences here.

Terms and Conditions



We're changing our Mobile Banking Terms. We've explained the changes and set out the new Terms below. These will also be stored in the "More" section of your Mobile App for future reference.
Please ensure you are using the latest version of the Mobile App by visiting the app store.
We recommend that you save or print a copy of the updated Mobile Banking Terms for your records.

Changes to our Mobile Banking Terms (16 June 2015)
MOBILE BANKING TERMS (16 June 2015)
Changes to our Mobile Banking Terms (21 February 2013)
Terms of use for the Mobile Banking Service (February 2013)
Changes to our Mobile Banking Terms (30 May 2012)
Terms of use for the Mobile Banking Service (May 2012)
Terms and Conditions of use for the Mobile Phone Banking Service (February 2011)

CHANGES TO OUR MOBILE BANKING TERMS – 16 JUNE 2015
On 16th June 2015 we’ll be offering a new service within the Mobile Banking app, which will allow you to send payments through the Paym scheme. Paym is a service offered by a number of banks and building societies, which allows you to send and receive payments using just a mobile phone number. You can find out more about Paym at paym.co.uk.

We've also taken this opportunity to simplify our Terms.

These changes will take effect on 16th June 2015.
Click on the link below to view the new terms which apply to your use of the Mobile Banking service.
Read our new Mobile Banking Terms
Please read these terms carefully. They'll stay in the "More" section for future reference.
Need more help?
If you have any queries, please contact us on 0345 366 0012 from the UK or +44 120 241 3755 from overseas or visit natwest.com/mobile.
If you no longer wish to use Mobile Banking, you can cancel this service by deleting the App from your phone or texting “STOP” to 82628.
MOBILE BANKING TERMS (effective from 16 June 2015)
1. INTRODUCTION
1.1 These Terms apply to the Mobile Banking service ( Mobile Banking) and form part of the agreement between you and us, the National Westminster Bank Plc ( NatWest). Your Core Terms (which set out general terms for using your account and include details of how we use your information) also form part of the agreement along with any document identified within those Core Terms as being included in that agreement. It’s important that you read these Terms carefully together with the Core Terms. The Core Terms are:
For current accounts:
  • NatWest Personal & Private Current Account Terms
For savings accounts:
  • NatWest Personal & Private Savings Account Terms; or
  • Personal and Private Banking – Terms and Conditions
For credit cards:
  • Your NatWest credit card agreement including the General Conditions.
If you ever need up-to-date copies of these Terms, please ask us and we’ll give you a copy. You can also find them at natwest.com.
1.2 If you have any questions about these Terms, please contact us on 0345 366 0012 from the UK or +44 120 241 3755 from overseas. If there is any inconsistency between these Terms and your Core Terms, these Terms will apply.
1.3If you live in Scotland, Scots law applies and the Scottish courts have non-exclusive jurisdiction over any disputes between us. If you live elsewhere, English law applies and the English courts have non-exclusive jurisdiction over any disputes between us.
2. OUR DETAILS
We’re a member of The Royal Bank of Scotland Group. For more information about our group of companies please visit rbs.com or contact your branch.
3. THE SERVICE
3.1 You can only use Mobile Banking if:
  • You’re aged 11 or over
  • You’re registered for online banking
  • You have a valid UK mobile phone number
3.2 To use Mobile Banking you’ll need to download the NatWest Mobile Banking application (the App). You can find further details on how to register and full details of the range of services available to you at natwest.com/mobile . The services that are available to you may vary depending on the type of device you’re using.
3.3 You’re responsible for ensuring that your device is capable of operating the App (which we’ll update from time to time). We can’t guarantee that we’ll continue to support the operating system used by your device.
3.4 There may be times when the App is unavailable for you to use due to maintenance, repairs or upgrades to our systems or the systems of any party used to provide Mobile Banking. We’ll aim to notify you in advance of any maintenance work but may not always be able to do so. Please contact us if you’re unable to use the App and we’ll do our best to help.
4. SECURITY
4.1 Your security details
4.1.1You must keep all of your security details secret (including any passwords or log-in details). This means that you mustn’t give these details to any other person or record them in any way that could allow another person to access them.
4.1.2You must tell us immediately if you think someone else might know your security details by calling 0345 366 0012 from the UK or +44 120 241 3755 from overseas or by contacting your branch.
4.1.3 We’ll never ask you to disclose your full security details to us or to any other person or organisation.Even if the person requesting your details is using our name and logo and appears to be genuine, you must not share your details with them. You should report any such requests to us immediately by calling 0345 366 0012 from the UK or +44 120 241 3755 from overseas or by contacting your branch.
4.2 Your device
4.2.1You must not leave the device you’re using unattended while you’re logged on to Mobile Banking and you must make sure that any information stored or displayed on your device is kept secure.
4.2.2If your device is lost or stolen you must contact us immediately by calling 0345 366 0012 from the UK or +44 120 241 3755 from overseas or by contacting your branch.
4.2.3You must delete the App from your device if you change your device or dispose of it.
4.3 Incorrect or unauthorised payments
4.3If you suspect that an incorrect or unauthorised payment has been made from your account, please contact us immediately by calling 0345 366 0012 from the UK or +44 120 241 3755 from overseas or contacting your branch. Please read your Core Terms for further information on incorrect and unauthorised payments.
4.4 Your contact details
You should tell us promptly if your contact details (including your mobile phone number or email address) change.
5. INSTRUCTIONS
You’re responsible for all instructions given through Mobile Banking, by you or anyone acting with your authority.
6. PAYMENTS
6.1 General
6.1.1 Your Core Terms explain the different ways you can pay money into your account or take money out of your account.
6.1.2 Terms 6.2 to 6.4 below set out a payment service that is specific to Mobile Banking and is therefore not included in your Core Terms.
6.1.3Unless Term 6.4 applies, when you make a payment through Mobile Banking we’ll make the payment using the Faster Payments Service if possible. If we can’t use the Faster Payments Service we’ll advise you of alternative ways to make the payment.
6.2 Pay Your Contacts (General)
6.2.1Pay Your Contacts is a service within the App, which allows you to send money to a third party by using the payee’s mobile phone number rather than their account number and sort code.
6.2.2You can use this service to make payments to:
  • anyone who has registered to use the NatWest, RBS, Ulster Bank, NatWest Offshore or Isle of Man Bank Mobile Banking Apps (the Group Apps).
  • anyone who has registered for Paym (which is a service offered by a number of banks and building societies to allow you to send and receive payments in this way).
  • any other person who has not registered to use one of the Group Apps or Paym as long as they have a UK Visa debit card, Visa credit card, or Visa pre-paid card which is eligible to receive third party payments.
6.2.3To make a payment in this way, you need to give us:
  • the mobile phone number of the payee. (This is the information that we use to identify the payee); and
  • the amount of the payment in Sterling.
    You’re responsible for ensuring that these details are correct.
6.2.4Once you’ve asked us to make a payment you won’t be able to cancel it. If you realise that you’ve given us an incorrect mobile phone number or payment amount, you must inform us as soon as possible by contacting us on 0345 366 0012 from the UK or +44 120 241 3755 from overseas. Where possible we’ll try to stop the payment, but might not be able to do so. We’ll not be liable to you if we’re unable to stop a payment in these circumstances.
6.2.5We’ll notify you within the App if we’re unable to make a payment.
6.2.6There’s a daily limit and an individual transaction limit on payments sent using Pay Your Contacts. Details of these limits can be found in the Frequently Asked Questions section of the App.
6.3 Pay Your Contacts ( Registered Payees)
6.3.1You may ask us to make a payment to someone who is registered to use one of the Group Apps or Paym (a Registered Payee). When you confirm the payee's mobile phone number and the amount of the payment this will be your payment instruction to us and the payment will be processed immediately.
6.3.2If the payee is registered to use one of the Group Apps as well as Paym, we’ll send the payment to one of the accounts linked to their Group App.
6.3.3If the payee is not registered to use one of the Group Apps but is registered for Paym, we’ll send the payment to the account they’ve registered for Paym.
6.4 Pay Your Contacts (Non-Registered Payees)
6.4.1You may ask us to make a payment to someone who isn’t registered to use one of the Group Apps or Paym (a Non-Registered Payee) provided they have a UK Visa debit card, Visa credit card, or Visa pre-paid card which is eligible to receive third party payments.
6.4.2When you instruct us to pay a Non-Registered Payee, we’ll work in partnership with Visa to process your instruction as follows:
  • Visa will send a text message to the payee on our behalf informing them that you wish to make a payment to them. For security reasons Visa won’t state the amount of the payment in this text message. It’s your responsibility to provide the payee with this information.
  • To collect the payment, the payee must visit the Visa collections website referred to in the text message and provide their card details as well as the amount of the payment. When the payee provides this information they initiate the payment transaction and Visa will process the payment on our behalf.
  • The payee will have up to seven days from the day Visa send the text message to collect the payment. After the collection period has expired the payment request will no longer be valid and you’ll have to make a fresh payment request if you still wish to make the payment.
6.4.3If the payment is collected it’ll be added to the payee's account by the end of the next business day after the payee enters their information on the Visa collections website. (For example, if the payee enters their details on Friday, the money will be added to their account by the end of the day on Monday). If the payment isn’t collected you’ll be sent a text message to let you know, and you’ll have to make a fresh payment request if you still wish to make the payment.
7. CHARGES
We don’t currently charge you for Mobile Banking. However, your mobile phone network operator may charge you when using Mobile Banking and these charges may vary if you use your mobile phone to access Mobile Banking when abroad.
8. OUR LIABILITY
We won’t be liable to refund you for any losses caused by circumstances beyond our control (i.e. the situation was abnormal or unforeseeable), for example, due to extreme weather, terrorist activity or industrial action.
9. VARIATION/TERMINATION
9.1 You’re free to cancel Mobile Banking at any time. If you’d like to do this, please call us on 0345 366 0012 from the UK or +44 120 241 3755 from overseas or text STOP to 82628.
9.2If you haven’t used the App for 6 months your Mobile Banking access will be deactivated automatically and you’ll have to re-register in order to use Mobile Banking again.
9.3 We may suspend, withdraw or restrict the use of Mobile Banking or any part of it where:
  • we reasonably suspect that your security details haven’t been kept secret;
  • we reasonably suspect that your security details have been used fraudulently or without your permission;
  • as a result of a change in the way you operate your account or in your financial circumstances, we reasonably believe that you may have difficulty in meeting your commitments;
  • we believe it’s appropriate in order to protect your account(s);
  • you’ve broken any of the Licence Terms set out below.
We’ll tell you before taking any of these steps and we’ll explain why we’ve done so, unless we’re unable to contact you or there’s a legal reason or other circumstance beyond our control that stops us from doing so. If we can’t get hold of you beforehand, we’ll (where possible) tell you and explain our reasons afterwards.
9.4If we have a valid reason for doing so, we may change the terms of our agreement with you (which may include introducing charges for Mobile Banking or making changes to those charges) by giving you at least 60 days’ notice before the change takes effect. We’ll assume that you’ve accepted the change unless you uninstall the App or tell us that you’d like to cancel Mobile Banking before the change takes effect.
10. LICENCE TERMS
10.1 Licence to use the App
10.1.1When you download the App we automatically give you a non-transferable, non-exclusive right to use the App (the Licence) provided that you agree to the following:
  • you can only use the App on a registered device belonging to you or under your control. You’ll need to register each additional or replacement device separately;
  • you can only use the App for Mobile Banking and for no other purpose;
  • the right to use the App is given only to you and you must not give any rights of use or any other rights in respect of the App to any other person;
  • you must not copy, reproduce, alter, modify or adapt the App or any part of it;
  • you must not remove or tamper with any copyright notice attached to or contained within the App and you agree that all ownership of the App remains with us;
  • if your right to use Mobile Banking is terminated all rights given to you in respect of the App will end immediately.
10.1.2The Licence includes the right to use any future updates to the App that we make available to you.
10.1.3We are solely responsible for the App and its content. If you have any questions or complaints or need any support in relation to the App please contact us on 0345 366 0012 from the UK or +44 120 241 3755 from overseas.
10.1.4If any third party claims that the App infringes their intellectual property rights, we'll be solely responsible for dealing with the claim.
10.2 Duration and Termination of Licence
We’ll assume that you’ve accepted the terms of the Licence by installing the App on your device and the Licence will continue until you cancel Mobile Banking and/or delete the App or if we end your use of Mobile Banking under Term 9. Upon termination of the Licence for any reason you must uninstall the App and destroy all copies of it.

We are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. We are entered on the Financial Services Register and our registration number is 121878.

National Westminster Bank Plc. Registered in England and Wales No. 929027. Registered Office: 135 Bishopsgate, London, EC2M 3UR.



CHANGES TO OUR MOBILE BANKING TERMS – 21 FEBRUARY 2013

We're writing to inform you that we're updating the terms which govern the use of our Mobile Banking Service. These changes are because we have added a new feature to our existing Pay your contacts service.

If your account is held in England or Wales, you will now be able to send payments to anyone who has a Visa card, using their mobile phone number.

These changes take effect on 21 February 2013.

Click on the link below to view the new terms which apply to your use of the Mobile Banking service.
'Terms of use for the Mobile Banking service'
Please read these terms carefully. They will be available in the 'More' section of your application for future reference.

Need more help?

If you have any queries, please contact us on 0808 168 2959 (open 08:00 to 21:00 Monday to Friday and 08:00 to 20:00 at weekends) or visit natwest.com/mobile.

If you wish to cancel the Mobile Banking service at any time just text 'STOP' to 82628 and delete the application from your device.

TERMS OF USE FOR THE MOBILE BANKING SERVICE - FEBRUARY 2013

The Mobile Banking Service is provided by the National Westminster Bank Plc to you.
It is important that you read these terms (the " Terms") carefully along with the terms which apply to your account (the " Core Terms" (available at natwest.com)).
If you opened your account before 4 July 2011, your Core Terms comprise our Personal and Private Banking - Terms and Conditions and our fees leaflet, Personal and Private Banking - A Guide to Fees and Interest. If you opened your account on or after 4 July 2011, or you have been moved to our new terms, your Core Terms comprise our NatWest Personal & Private Current Account Terms and our fees leaflet, Personal & Private Current Account Fees & Interest Rates.
The Core Terms set out our general terms for using our banking services including details of how we and others will use your information. Please also look for the padlock symbol. If you have any questions about these Terms, please contact us on 0808 168 2959. If there is any inconsistency between the Terms and the Core Terms, the Terms will take priority and apply.
1. OUR DETAILS
We are the National Westminster Bank Plc (" us", " we" or " NatWest"), a member of The Royal Bank of Scotland Group of companies. We are a public company incorporated in England and Wales (Company number 929027) and have our registered office at 135 Bishopsgate, London EC2M 3UR.
2. THE SERVICE
2.1You may only access the Mobile Banking Service if you are aged 11 years or over and are resident in the United Kingdom. Further details on how to register and use the Mobile Banking Service can be found at natwest.com/mobile.
2.2The Mobile Banking Service offers you access to a range of content and transaction services. Full details of our range of services can be found on our website at natwest.com/mobile. The services offered to you via the Mobile Banking Service may vary depending on the type of device you are using.
3. AVAILABILITY OF SERVICE
3.1While we will make reasonable efforts to provide the Mobile Banking Service, we will not be liable for any failure to provide the Mobile Banking Service, in part or full, for any cause that is beyond our reasonable control. This includes, in particular, any suspension of the Mobile Banking Service resulting from maintenance and upgrades to our systems or the systems of any party used to provide the Mobile Banking Service, other disruptions to our systems, outages on any phone network or in the case of mobile networks where you are not in an area of mobile coverage.
3.2The Mobile Banking Service application (the " Application") is provided "as is" with no representation, guarantee or warranty of any kind as to its functionality.
4. SECURITY PROCEDURE
4.1You must keep your security details (which include the identifying words, codes and numbers agreed between us) secret and take all reasonable precautions to prevent unauthorised or fraudulent use of them.
4.2You must not disclose your security details to any other person or record your security details in any way that may result in them becoming known to another person.
4.3After initial registration we will never contact you, or ask anyone to do so on our behalf, with a request to disclose your security details in full. If you receive any such request from anyone (even if they are using our name and logo and appear to be genuine) then it is likely to be fraudulent and you must not supply your security details to them in any circumstances. You should report any such requests to us immediately.
4.4Where a transaction using the Mobile Banking Service has been carried out using your security details, but you subsequently show that the transaction was not authorised by you, you will not be liable for that transaction provided you have kept your security details secret, not acted fraudulently, acted with reasonable care and acted in accordance with these Terms.
4.5If your device is lost or stolen, or if you suspect that anyone knows your security details you must contact us immediately.
4.6Where your security details are lost or stolen, or you do not keep them safe as you are obliged to do under these Terms, you may be responsible for unauthorised transactions, up to a maximum of £50. You may be liable for the full amount where you have failed intentionally, or with gross negligence, to keep your security details secret. Unless you have acted fraudulently, you will not be liable for any unauthorised payment which is made after you told us that your security details are no longer safe.
4.7You will be responsible for all instructions given by you or anyone acting with your authority between the time you pass the security procedure and the time you exit from the Mobile Banking Service. Please note that this includes any input errors, or instructions sent by anyone but yourself. You should not leave the device you are using unattended while you are still logged onto the Mobile Banking Service.
4.8You are responsible for making sure information either stored or shown on your device(s) is kept secure.
4.9You must delete the Application from your device if you change your device or dispose of it.
4.10You must advise us of any change to your mobile phone number or email address.
5. TRANSACTIONS
5.1Unless Term 6.3 applies, when you instruct us to make a payment through the Mobile Banking Service we will make the payment using the Faster Payments Service if possible. If we cannot use the Faster Payments Service we will advise you of alternative methods of making the payment.
5.2You acknowledge that you are responsible for all transactions carried out using the Mobile Banking Service and for the repayment of any debt that arises from use of the Mobile Banking Service.
6 PAY YOUR CONTACTS
6.1 General
6.1.1You can only register to use Pay your contacts if your account is held in England or Wales.
6.1.2If you are registered to use Pay your contacts, you can ask us to make a payment by using the Application to give us the United Kingdom mobile phone number of the person you would like to make the payment to (the " payee"), together with the amount of the payment in Sterling. When you give us a mobile phone number you consent to us debiting your account for the amount specified.
6.1.3The mobile phone number that you give us identifies the payee. You are responsible for ensuring that you provide us with the correct mobile phone number and amount.
6.1.4Once you have asked us to make a payment using Pay your contacts you will not be able to cancel that payment. If you realise that you have given us an incorrect mobile phone number you must inform us as soon as possible by contacting our telephone banking service. Where circumstances permit we will try to stop the payment, but may not be able to do so. We will not be liable to you if we are unable to stop a payment in these circumstances.
6.1.5We will inform you within the Application if we are unable to send a payment.
6.1.6For your and our security, we will place a daily limit on transactions using Pay your contacts and a limit on the amount of any one Pay your contacts transaction. Details of these limits can be found on our website at natwest.com/mobile.
6.2 Paying Registered Customers
6.2.1You may ask us to make a payment to other customers who are registered to use the Application or the RBS mobile banking application (" Registered Customers"). When you give us the payee's mobile phone number and the amount of the payment this will be your payment instruction to us. The payment will normally be processed immediately but may sometimes take up to two hours. Payments using Pay your contacts will be identified in the payee's account by your mobile phone number.
6.2.2Payments to Registered Customers will be paid into the account linked to the debit card which the payee used to register for the Mobile Banking Service or the RBS mobile banking service.
6.3 Paying Non-Registered payees
6.3.1You may ask us to make a payment to someone who is not a Registered Customer (a " Non-Registered payee") provided they have a Visa debit card, Visa credit card, or a Visa pre-paid card which is eligible to receive third party payments.
6.3.2When you instruct us to pay a Non-Registered payee by giving us their mobile phone number and the payment amount, we will work in partnership with Visa Europe Limited (" Visa") to process your instruction.
6.3.3Some Non-Registered payees will already have their mobile phone number and Visa card details registered with Visa. These Non-Registered payees will be treated by Visa as " Registered Visa recipients".
6.3.4When you instruct us to pay a Non-Registered payee who is a Registered Visa recipient, you initiate the payment transaction and Visa will process the payment on our behalf.
6.3.5When you instruct us to pay a Non-Registered payee who is not a Registered Visa recipient:
(a)Visa will send a text message to the Non-Registered payee on our behalf informing them that you wish to make a payment to them. For security reasons Visa will not state the amount of the payment in this text message. It is your responsibility to provide the Non-Registered payee with this information.
(b)The Non-Registered payee will have up to seven days from the day Visa send the text message to collect the payment. After the collection period has expired the payment request will no longer be valid and you will have to make a fresh payment request if you still wish to make the payment.
(c)To collect the payment, the Non-Registered payee must visit the Visa Europe collections website referred to in the text message and provide their eligible Visa card details as well as the amount of the payment. When the Non-Registered payee provides this information they initiate the payment transaction and Visa will process the payment on our behalf.
6.3.6For all Non-Registered payees, if the payment is successful it will be credited to the Non-Registered payee's account by the end of the business day following initiation of the payment transaction. If the payment is unsuccessful you will be sent a text message to let you know, and you will have to make a fresh payment request if you still wish to make the payment.
7. CHARGES
We reserve the right to charge you and you agree to pay the charges which apply when you use our services or any part of them. We do not currently charge you for the Mobile Banking Service. However, your mobile phone network operator may charge you when using the Mobile Banking Service and these charges may vary if you use your mobile phone to access the Mobile Banking Service when abroad.
8. OUR LIABILITY
We will not be liable to you for any breach of (or failure to perform) our obligations where that breach (or failure) is due to abnormal and unforeseeable circumstances beyond our control, the consequences of which would have been unavoidable despite all efforts to the contrary.
9. VARIATION/TERMINATION OF SERVICE
9.1There is no minimum contract period and you are free to cancel the Mobile Banking Service at any time. Details on how to cancel the Mobile Banking Service can be found on our website at natwest.com/mobile.
9.2If you have not used the Mobile Banking Service for 12 months your account will be deactivated automatically and you will have to re-register in order to use the Mobile Banking Service again.
9.3We may suspend, withdraw or restrict the use of the Mobile Banking Service or any part of the Mobile Banking Service where:
(a)we have reasonable grounds to suspect that your security details have not been kept safe; or
(b)we have reasonable grounds to suspect unauthorised or fraudulent use of your security details; or
(c)as a result of a change in the way you operate your account or in your financial circumstances, we have reasonable grounds to believe that you may have difficulty in meeting your commitments; or
(d)we consider it appropriate for your protection.
Unless we are unable to contact you or there is a legal reason or other circumstances beyond our control preventing us from doing so, we will tell you before taking this action and provide our reasons for doing so. If we are unable to contact you beforehand, where possible we will tell you and give our reasons afterwards.
9.4If we have a valid reason for doing so, we may change the terms of our agreement with you by notifying you personally not less than 60 days before the change comes into effect.
9.5We may introduce new charges on your account or change the amount of any charges which already apply to your account by notifying you personally not less than 60 days before the change comes into effect.
10. LICENCE FOR NATWEST MOBILE BANKING APPLICATION (the "Licence")
10.1We hereby grant to you a non-assignable, non-transferable, non-exclusive Licence to use the Application (which shall include future updates made available to you from time to time provided you understand such updates may be subject to additional terms notified to you at the time such update is made available) subject to the following obligations and/or restrictions:
10.1.1you may only use the Application on a registered device belonging to you or under your control. You will need to register each additional or replacement device separately;
10.1.2you may only use the Application for the purpose of receiving the Mobile Banking Service and for no other purpose whatsoever;
10.1.3the Application is licensed only to you and you shall not assign, sub-licence or grant any rights of use or any other rights in respect of the Application to any other person;
10.1.4you shall not copy or reproduce in any way the whole or any part of the Application;
10.1.5you shall not alter, modify or adapt the whole or any part of the Application;
10.1.6you shall not remove or tamper with any copyright notice attached to or contained within the Application and you acknowledge and agree that as between us and you all ownership in the Application remains with us;
10.1.7on any termination of the Mobile Banking Service all rights granted to you in respect of the Application shall immediately cease.
10.2 Termination of Licence
10.2.1The Licence shall commence upon your acceptance of the Licence or when you install the Application (whichever is first) and shall continue until terminated in accordance with the following clause or otherwise in accordance with the Licence.
10.2.2The Licence will terminate automatically if you cancel the Mobile Banking Service and/or uninstall the Application, or fail to comply with any term or condition of the Licence.
Upon termination of the Licence for any reason whatsoever you must uninstall the Application and destroy all copies of the Application including all components of it in your possession.
10.3 Acceptance of Licence
10.3.1You will be deemed to have accepted the terms of the Licence by installing the Application on any device.
11. LAW AND JURISDICTION
If your address is in Scotland:
-Scots law applies to our relations with you and the formation, existence, construction, performance, validity and all aspects whatsoever of these Terms and this Licence; and
-the Scottish courts have non-exclusive jurisdiction over any disputes arising between you and us.
If your address is in England or elsewhere:
-English law applies to our relations with you and the formation, existence, construction, performance, validity and all aspects whatsoever of these Terms and this Licence; and
-the English courts have non-exclusive jurisdiction over any disputes arising between you and us.

CHANGES TO OUR MOBILE BANKING TERMS - 30 MAY 2012

We're writing to inform you that we're updating the terms which govern the use of our Mobile Banking service. These changes are because we are introducing a new facility, Pay your contacts, which will allow you to send payments to NatWest Mobile Banking customers using their mobile phone number, if your account is held in England or Wales.

These changes take effect on 30 May 2012.

Click on the link below to view the new terms which apply to your use of the Mobile Banking service.
'Terms of Use for the Mobile Banking Service'
Please read these terms carefully. They will be available in the 'More' section of your application for future reference.

Need more help?

If you have any queries, please contact us on 0808 168 2959 (open 08:00 to 21:00 Monday to Friday and 08:00 to 20:00 at weekends) or visit natwest.com/mobile. If you wish to cancel the Mobile Banking service at anytime just text ‘STOP’ to 82628 and delete the application from your device.

TERMS OF USE FOR THE MOBILE BANKING SERVICE - MAY 2012

The Mobile Banking Service is provided by the National Westminster Bank Plc to you.
It is important that you read these terms (the " Terms") carefully along with the terms which apply to your account (the " Core Terms" (available at natwest.com)).
If you opened your account before 4 July 2011, your Core Terms comprise our Personal and Private Banking - Terms and Conditions and our fees leaflet, Personal and Private Banking - A Guide to Fees and Interest. If you opened your account on or after 4 July 2011, or you have been moved to our new terms, your Core Terms comprise our NatWest Personal & Private Current Account Terms and our fees leaflet, Personal & Private Current Account Fees & Interest Rates.
The Core Terms set out our general terms for using our banking services including details of how we and others will use your information. Please also look for the padlock symbol. If you have any questions about these Terms, please contact us on 0808 168 2959. If there is any inconsistency between the Terms and the Core Terms, the Terms will take priority and apply.
1. OUR DETAILS
We are the National Westminster Bank Plc (" us", " we" or " NatWest"), a member of The Royal Bank of Scotland Group of companies (the " Group"). We are a public company incorporated in England and Wales (Company number 929027) and have our registered office at 135 Bishopsgate, London EC2M 3UR.
2. THE SERVICE
2.1You may only access the Mobile Banking Service if you are aged 11 years or over and are resident in the United Kingdom. Further details on how to register and use the Mobile Banking Service can be found at natwest.com/mobile.
2.2The Mobile Banking Service offers you access to a range of content and transaction services. Full details of our range of services can be found on our website at natwest.com/mobile The services offered to you via the Mobile Banking Service may vary depending on the type of device you are using.
3. AVAILABILITY OF SERVICE
3.1While we will make reasonable efforts to provide the Mobile Banking Service, we will not be liable for any failure to provide the Mobile Banking Service, in part or full, for any cause that is beyond our reasonable control. This includes, in particular, any suspension of the Mobile Banking Service resulting from maintenance and upgrades to our systems or the systems of any party used to provide the Mobile Banking Service, other disruptions to our systems, outages on any phone network or in the case of mobile networks where you are not in an area of mobile coverage.
3.2The Mobile Banking Service application (the " Application") is provided "as is" with no representation, guarantee or warranty of any kind as to its functionality.
4. SECURITY PROCEDURE
4.1You must keep your security details (which include the identifying words, codes and numbers agreed between us) secret and take all reasonable precautions to prevent unauthorised or fraudulent use of them.
4.2You must not disclose your security details to any other person or record your security details in any way that may result in them becoming known to another person.
4.3After initial registration we will never contact you, or ask anyone to do so on our behalf, with a request to disclose your security details in full. If you receive any such request from anyone (even if they are using our name and logo and appear to be genuine) then it is likely to be fraudulent and you must not supply your security details to them in any circumstances. You should report any such requests to us immediately.
4.4Where a transaction using the Mobile Banking Service has been carried out using your security details, but you subsequently show that the transaction was not authorised by you, you will not be liable for that transaction provided you have kept your security details secret, not acted fraudulently, acted with reasonable care and acted in accordance with these Terms.
4.5If your device is lost or stolen, or if you suspect that anyone knows your security details you must contact us immediately.
4.6Where your security details are lost or stolen, or you do not keep them safe as you are obliged to do under these Terms, you may be responsible for unauthorised transactions, up to a maximum of £50. You may be liable for the full amount where you have failed intentionally, or with gross negligence, to keep your security details secret. Unless you have acted fraudulently, you will not be liable for any unauthorised payment which is made after you told us that your security details are no longer safe.
4.7You will be responsible for all instructions given by you or anyone acting with your authority between the time you pass the security procedure and the time you exit from the Mobile Banking Service. Please note that this includes any input errors, or instructions sent by anyone but yourself. You should not leave the device you are using unattended while you are still logged onto the Mobile Banking Service.
4.8You are responsible for making sure information either stored or shown on your device(s) is kept secure.
4.9You must delete the Application from your device if you change your device or dispose of it.
4.10You must advise us of any change to your mobile phone number or email address.
5. TRANSACTIONS
5.1When you instruct us to make a payment through the Mobile Banking Service, we will make the payment using the Faster Payments Service if possible. If we cannot use the Faster Payments Service, we will advise you of alternative methods of making the payment.
5.2 Pay your contacts
5.2.1You can only register to use Pay your contacts if your account is held in England or Wales.
5.2.2If you are registered to use Pay your contacts you can ask us to make a payment to other Application customers or RBS mobile banking application customers (" Registered Customers") by using the Application to give us their United Kingdom mobile phone number and the amount of the payment in Sterling. When you give us a mobile phone number you consent to us debiting your account for the amount specified.
5.2.3When you ask us to make a payment using Pay your contacts, the mobile phone number that you give us identifies the payee to whom you wish to make a payment. You are responsible for ensuring that you provide us with the correct mobile phone number and amount.
5.2.4Payments will be paid into the account linked to the debit card which the payee used to register for the Mobile Banking Service or the RBS mobile banking service, and will be identified in that account by your mobile phone number.
5.2.5When you give us a mobile phone number and payment amount, this will be your payment instruction to us and the payment will normally be processed immediately but may sometimes take up to two hours.
5.2.6 We will inform you within the Application if we are unable to send a payment, including if we are unable to send the payment because the payee is not a Registered Customer.
5.2.7Once you have asked us to make a payment using Pay your contacts you will not be able to cancel that payment. If you realise that you have given us an incorrect mobile phone number, you must inform us as soon as possible by contacting our telephone banking service. Where circumstances permit, we will try to stop the payment, but may not be able to do so. We will not be liable to you if we are unable to stop a payment in these circumstances.
5.2.8For your and our security, we will place a daily limit on transactions using Pay your contacts and a limit on the amount of any one Pay your contacts transaction. Details of these limits can be found on our website at natwest.com/mobile.
5.3You acknowledge that you are responsible for all transactions carried out using the Mobile Banking Service and for the repayment of any debt that arises from use of the Mobile Banking Service.
6. CHARGES
We reserve the right to charge you and you agree to pay the charges which apply when you use our services or any part of them. We do not currently charge you for the Mobile Banking Service. However, your mobile phone network operator may charge you when using the Mobile Banking Service and these charges may vary if you use your mobile phone to access the Mobile Banking Service when abroad.
7. OUR LIABILITY
We will not be liable to you for any breach of (or failure to perform) our obligations where that breach (or failure) is due to abnormal and unforeseeable circumstances beyond our control, the consequences of which would have been unavoidable despite all efforts to the contrary.
8. VARIATION/TERMINATION OF SERVICE
8.1There is no minimum contract period and you are free to cancel the Mobile Banking Service at any time. Details on how to cancel the Mobile Banking Service can be found on our website at natwest.com/mobile.
8.2If you have not used the Mobile Banking Service for 12 months your account will be deactivated automatically and you will have to re-register in order to use the Mobile Banking Service again.
8.3We may suspend, withdraw or restrict the use of the Mobile Banking Service or any part of the Mobile Banking Service where:
(a)we have reasonable grounds to suspect that your security details have not been kept safe; or
(b)we have reasonable grounds to suspect unauthorised or fraudulent use of your security details; or
(c)as a result of a change in the way you operate your account or in your financial circumstances, we have reasonable grounds to believe that you may have difficulty in meeting your commitments; or
(d)we consider it appropriate for your protection.
Unless we are unable to contact you or there is a legal reason or other circumstances beyond our control preventing us from doing so, we will tell you before taking this action and provide our reasons for doing so. If we are unable to contact you beforehand, where possible we will tell you and give our reasons afterwards.
8.4If we have a valid reason for doing so, we may change the terms of our agreement with you by notifying you personally not less than 60 days before the change comes into effect.
8.5We may introduce new charges on your account or change the amount of any charges which already apply to your account by notifying you personally not less than 60 days before the change comes into effect.
9. LICENCE FOR NATWEST MOBILE BANKING APPLICATION (the “Licence”)
9.1We hereby grant to you a non-assignable, non-transferable, non-exclusive Licence to use the Application (which shall include future updates made available to you from time to time provided you understand such updates may be subject to additional terms notified to you at the time such update is made available) subject to the following obligations and/or restrictions:
9.1.1you may only use the Application on a registered device belonging to you or under your control. You will need to register each additional or replacement device separately;
9.1.2you may only use the Application for the purpose of receiving the Mobile Banking Service and for no other purpose whatsoever;
9.1.3the Application is licensed only to you and you shall not assign, sub-licence or grant any rights of use or any other rights in respect of the Application to any other person;
9.1.4you shall not copy or reproduce in any way the whole or any part of the Application;
9.1.5you shall not alter, modify or adapt the whole or any part of the Application;
9.1.6you shall not remove or tamper with any copyright notice attached to or contained within the Application and you acknowledge and agree that as between us and you all ownership in the Application remains with us;
9.1.7on any termination of the Mobile Banking Service all rights granted to you in respect of the Application shall immediately cease.
9.2 Termination of Licence
9.2.1The Licence shall commence upon your acceptance of the Licence or when you install the Application (whichever is first) and shall continue until terminated in accordance with the following clause or otherwise in accordance with the Licence.
9.2.2The Licence will terminate automatically if you cancel the Mobile Banking Service and/or uninstall the Application, or fail to comply with any term or condition of the Licence.
Upon termination of the Licence for any reason whatsoever you must uninstall the Application and destroy all copies of the Application including all components of it in your possession.
9.3 Acceptance of Licence
9.3.1You will be deemed to have accepted the terms of the Licence by installing the Application on any device.
10. LAW AND JURISDICTION
If your address is in Scotland:
-Scots law applies to our relations with you and the formation, existence, construction, performance, validity and all aspects whatsoever of these Terms and this Licence; and
-the Scottish courts have non-exclusive jurisdiction over any disputes arising between you and us.
If your address is in England or elsewhere:
-English law applies to our relations with you and the formation, existence, construction, performance, validity and all aspects whatsoever of these Terms and this Licence; and
-the English courts have non-exclusive jurisdiction over any disputes arising between you and us.

TERMS AND CONDITIONS OF USE FOR THE MOBILE PHONE BANKING SERVICE - FEBRUARY 2011
The Mobile Phone Banking Service is provided by National Westminster Bank Plc to you.
It is important that you read these terms and conditions (the “ Terms”) carefully along with our Personal and Private Banking - Terms and Conditions and our fees leaflet Personal and Private Banking – A Guide to Fees and Interest (collectively our “ Core Terms“ (available at www.natwest.com)). The Core Terms set out our general terms for using our banking services including our privacy policy which contains details of how we and others will use your information. Please also look for the padlock symbol. If you have any questions about these Terms, please contact us on 0808 168 2959. If there is any inconsistency between the Terms and the Core Terms, the Terms will prevail.
1. OUR DETAILS
We are National Westminster Bank Plc (“ us”, “ we” or “ NatWest”) part of the Royal Bank of Scotland Group of companies (the “ RBS Group”). We are a public company incorporated in England and Wales (Company number 929027 ) and have our registered office at 135 Bishopsgate, London EC2M 3UR
2. THE SERVICE
2.1You may only access the Mobile Phone Banking Service if you are aged 16 years or over and are resident in the United Kingdom. Further details on how to register and use the Mobile Phone Banking Service can be found at www.natwest.com/mobile
2.2The Mobile Phone Banking Service offers you access to a range of content and transaction services. Details of our range of services can be found on our website at www.natwest.com/mobile
The services offered to you via the Mobile Phone Banking Service may vary depending on the type of handset you are using.
3. AVAILABILITY OF SERVICE
3.1While we will make reasonable efforts to provide the Mobile Phone Banking Service, we will not be liable for any failure to provide the Mobile Phone Banking Service, in part or full, for any cause that is beyond our reasonable control. This includes, in particular, any suspension of the Service resulting from maintenance and upgrades to our systems or the systems of any party used to provide the Service, outages on any phone network or in the case of mobile networks where you are not in an area of mobile coverage.
3.2The Application is provided “as is” with no representation, guarantee or warranty of any kind as to its functionality.
4. SECURITY PROCEDURE
4.1You must keep your security details secret and take all reasonable precautions to prevent unauthorised or fraudulent use of them.
4.2You must not disclose your security details to any other person or record your security details in any way that may result in them becoming known to another person.
4.3Please note that after initial registration we will never contact you (or ask anyone to do so on our behalf), with a request to disclose your security details in full. If you receive any such request from anyone (even if they are using our name and logo and appear to be genuine) then it is likely to be fraudulent and you must not supply your security details to them in any circumstances. Additionally, you should report any such requests to us immediately.
4.4Where a transaction using the Mobile Phone Banking Service has been carried out using your security details, but you subsequently show that the transaction was not authorised by you, you will not be liable for that transaction provided you have kept your security details secret, not acted fraudulently, acted with reasonable care and acted in accordance with these Terms.
4.5If you suspect that anyone knows your security details you must contact us immediately. If you fail to do so, you will be liable for any unauthorised transactions on your account confirmed by use of your security details.
4.6You will be responsible for all instructions given by you or anyone acting with your authority between the time you pass the security procedure until you exit from the Mobile Phone Banking Service. Please note that this includes any input errors or instructions sent by someone other than yourself so please do not leave your mobile phone unattended while you are still logged onto the Mobile Phone Banking Service.
4.7You are responsible for making sure information either shown or stored on your mobile phone is kept secure.
4.8You must advise us of any change to your mobile phone number or email address.
5. TRANSACTIONS
5.1Banking instructions received for your current and savings accounts on any working day will normally be processed that day. (You will be advised at the time you send the instruction, if the instruction cannot be processed that same day but will be processed the next working day).
5.2You acknowledge that you are responsible for all transactions carried out using the Mobile Phone Banking Service and for the repayment of any debt that arises from use of the Mobile Phone Banking Service.
6. CHARGES
6.1We do not currently charge you for the Mobile Phone Banking Service. However, your mobile phone network operator may charge you when using the Mobile Phone Banking Service and these charges may vary if you use your mobile phone to access the Mobile Phone Banking Service when abroad.
7. OUR LIABILITY
7.1We will not be liable to you for any breach of (or failure to perform) our obligations where that breach (or failure) is due to abnormal and unforeseeable circumstances beyond our control, the consequences of which would have been unavoidable despite all efforts to the contrary.
8. VARIATION/TERMINATION OF SERVICE
8.1There is no minimum contract period and you are free to cancel the Mobile Phone Banking Service at any time. Details on how to cancel the Mobile Phone Banking Service can be found on our website at www.natwest.com/mobile.
8.2If you have not used the Mobile Phone Banking Service for 12 months your account will be deactivated automatically and you would have to re-register in order to use the Mobile Phone Banking Service again.
8.3You acknowledge that it is your responsibility to delete the mobile banking application from your mobile phone if you change your mobile phone or dispose of it.
8.4Unless we are unable to contact you or there is a legal reason or other circumstances beyond our control preventing us from doing so, we will notify you personally before taking this action to suspend, withdraw or restrict your use of the Mobile Phone Banking Service and provide our reasons for doing so. If we are unable to contact you beforehand, where possible we will notify you and give our reasons afterwards.
8.5We may suspend, withdraw or restrict the use of the Mobile Phone Banking Service or any part of the Mobile Phone Banking Service where:
(a)we have reasonable grounds to suspect that your Security Details have not been kept safe; or
(b)we have reasonable grounds to suspect unauthorised or fraudulent use of your Security Details; or
(c)as a result of a change in the way you operate your account or in your financial circumstances, we have reasonable grounds to believe that you may have difficulty in meeting your commitments; or
(d)we consider it appropriate for your protection.
8.6If we have a valid reason for doing so, we may change the terms of our agreement with you by notifying you personally not less than 60 days before the change comes into effect.
8.7We may introduce new charges on your account or change the amount of any charges which already apply to your account by notifying you personally not less than 60 days before the change comes into effect.
9. LICENCE FOR NATWEST MOBILE PHONE BANKING APPLICATION (the "Licence")
9.1We hereby grant to you a non-assignable, non-transferable, non-exclusive Licence to use the mobile phone banking application (the “ Application”) (which shall include future updates made available to you from time to time provided you understand such updates may be subject to additional terms notified to you at the time such update is made available) subject to the following obligations and/or restrictions:
9.1.1you may only use the Application on one single registered mobile phone belonging to you or under your control. You will need to register separately each additional or replacement mobile phone;
9.1.2you may only use the Application for the purpose of receiving the Service and for no other purpose whatsoever;
9.1.3the Application is licensed only to you and you shall not assign, sub-licence or grant any rights of use or any other rights in respect of the Application to any other person;
9.1.4you shall not copy or reproduce in any way the whole or any part of the Application;
9.1.5you shall not alter, modify or adapt the whole or any part of the Application;
9.1.6you shall not remove or tamper with any copyright notice attached to or contained within the Application and you acknowledge and agree that as between us and you all ownership in the Application remains with us;
9.1.7on any termination of the Service all rights granted to you in respect of the Application shall immediately cease.
9.2 TERMINATION
9.2.1The Licence shall commence upon your acceptance of the Licence or when you install the Application (whichever is first) and shall continue until terminated in accordance with the following clause or otherwise in accordance with the Licence.
9.2.2The Licence will terminate automatically if you cancel the Service and/or uninstall the Application, or fail to comply with any term or condition of the Licence.
Upon termination of the Licence for any reason whatsoever you must uninstall the Application and destroy all copies of the Application including all components of it in your possession.
9.3 LAW AND JURISDICTION
Our relations with you and the formation, existence, construction, performance, validity and all aspects whatsoever of these Terms and this Licence will be governed by Scottish law if your address is in Scotland or English law if you live elsewhere and the English courts shall have non-exclusive jurisdiction to settle any dispute arising out of this Licence (unless your address is in Scotland, in which case the courts of Scotland shall have non-exclusive jurisdiction).
9.4 ACCEPTANCE OF LICENCE
9.4.1You will be deemed to have accepted the terms of the Licence by installing the Application on any mobile phone.

We're changing our Mobile Banking Terms. We've explained the changes and set out the new Terms below. These will also be stored in the "More" section of your Mobile App for future reference.

Please ensure you are using the latest version of the Mobile App by visiting the app store.

We recommend that you save or print a copy of the updated Mobile Banking Terms for your records.

Changes to our Mobile Banking Terms (16th June 2015)

On 16th June 2015 we’ll be offering a new service within the Mobile Banking app, which will allow you to send payments through the Paym scheme. Paym is a service offered by a number of banks and building societies, which allows you to send and receive payments using just a mobile phone number. You can find out more about Paym at paym.co.uk.

We've also taken this opportunity to simplify our Terms.

These changes will take effect on 16th June 2015.

Please read these terms carefully. They'll stay in the "More" section for future reference.

Need more help?

If you have any queries, please contact us on 0345 366 0012 from the UK or +44 120 241 3755 from overseas or visit natwest.com/mobile.

If you no longer wish to use Mobile Banking, you can cancel this service by deleting the App from your phone or texting “STOP” to 82628.

MOBILE BANKING TERMS (effective from 16 June 2015)

  1. INTRODUCTION
    • 1.1  These Terms apply to the Mobile Banking service ( Mobile Banking) and form part of the agreement between you and us, the National Westminster Bank Plc ( NatWest). Your Core Terms (which set out general terms for using your account and include details of how we use your information) also form part of the agreement along with any document identified within those Core Terms as being included in that agreement. It’s important that you read these Terms carefully together with the Core Terms. The Core Terms are:

      For current accounts:
      • NatWest Personal & Private Current Account Terms

      For savings accounts:
      • NatWest Personal & Private Savings Account Terms; or
      • Personal and Private Banking – Terms and Conditions
      For credit cards:
      • Your NatWest credit card agreement including the General Conditions.

    •  If you ever need up-to-date copies of these Terms, please ask us and we’ll give you a copy. You can also find them at natwest.com.

    • 1.2 If you have any questions about these Terms, please contact us on 0345 366 0012 from the UK or +44 120 241 3755 from overseas. If there is any inconsistency between these Terms and your Core Terms, these Terms will apply.

    • 1.3 If you live in Scotland, Scots law applies and the Scottish courts have non-exclusive jurisdiction over any disputes between us.  If you live elsewhere, English law applies and the English courts have non-exclusive jurisdiction over any disputes between us.

  2. OUR DETAILS
    We’re a member of The Royal Bank of Scotland Group. For more information about our group of companies please visit rbs.com or contact your branch.

  3. THE SERVICE
    • 3.1 You can only use Mobile Banking if:
      • You’re aged 11 or over
      • You’re registered for online banking
      • You have a valid UK mobile phone number

    • 3.2 To use Mobile Banking you’ll need to download the NatWest Mobile Banking application (the App). You can find further details on how to register and full details of the range of services available to you at natwest.com/mobile . The services that are available to you may vary depending on the type of device you’re using.

    • 3.3 You’re responsible for ensuring that your device is capable of operating the App (which we’ll update from time to time). We can’t guarantee that we’ll continue to support the operating system used by your device.

    • 3.4 There may be times when the App is unavailable for you to use due to maintenance, repairs or upgrades to our systems or the systems of any party used to provide Mobile Banking. We’ll aim to notify you in advance of any maintenance work but may not always be able to do so. Please contact us if you’re unable to use the App and we’ll do our best to help.
  4. SECURITY
    • 4.1 Your security details
      • 4.1.1  You must keep all of your security details secret (including any passwords or log-in details). This means that you mustn’t give these details to any other person or record them in any way that could allow another person to access them.

      • 4.1.2  You must tell us immediately if you think someone else might know your security details by calling 0345 366 0012 from the UK or +44 120 241 3755 from overseas or by contacting your branch.

      • 4.1.3  We’ll never ask you to disclose your full security details to us or to any other person or organisation. Even if the person requesting your details is using our name and logo and appears to be genuine, you must not share your details with them. You should report any such requests to us immediately by calling 0345 366 0012 from the UK or +44 120 241 3755 from overseas or by contacting your branch.

    • 4.2 Your device
      • 4.2.1  You must not leave the device you’re using unattended while you’re logged on to Mobile Banking and you must make sure that any information stored or displayed on your device is kept secure.

      • 4.2.2  If your device is lost or stolen you must contact us immediately by calling 0345 366 0012 from the UK or +44 120 241 3755 from overseas or by contacting your branch.
      • 4.2.3  You must delete the App from your device if you change your device or dispose of it.

    • 4.3 Incorrect or unauthorised payments
      If you suspect that an incorrect or unauthorised payment has been made from your account, please contact us immediately by calling 0345 366 0012 from the UK or +44 120 241 3755 from overseas or contacting your branch. Please read your Core Terms for further information on incorrect and unauthorised payments.

    • 4.4 Your contact details
      You should tell us promptly if your contact details (including your mobile phone number or email address) change.
  5. INSTRUCTIONS
    You’re responsible for all instructions given through Mobile Banking, by you or anyone acting with your authority.

  6. PAYMENTS
    • 6.1        General
      • 6.1.1     Your Core Terms explain the different ways you can pay money into your account or take money out of your account.

      • 6.1.2     Terms 6.2 to 6.4 below set out a payment service that is specific to Mobile Banking and is therefore not included in your Core Terms.

      • 6.1.3     Unless Term 6.4 applies, when you make a payment through Mobile Banking we’ll make the payment using the Faster Payments Service if possible. If we can’t use the Faster Payments Service we’ll advise you of alternative ways to make the payment.

    • 6.2        Pay Your Contacts (General)
      • 6.2.1     Pay Your Contacts is a service within the App, which allows you to send money to a third party by using the payee’s mobile phone number rather than their account number and sort code.

      • 6.2.2 You can use this service to make payments to:

        • anyone who has registered to use the NatWest, RBS, Ulster Bank, NatWest Offshore or Isle of Man Bank Mobile Banking Apps (the Group Apps).

        • anyone who has registered for Paym (which is a service offered by a number of banks and building societies to allow you to send and receive payments in this way).

        • any other person who has not registered to use one of the Group Apps or Paym as long as they have a UK Visa debit card, Visa credit card, or Visa pre-paid card which is eligible to receive third party payments.

      • 6.2.3     To make a payment in this way, you need to give us:
        • the mobile phone number of the payee. (This is the information that we use to identify the payee); and

        • the amount of the payment in Sterling.
          You’re responsible for ensuring that these details are correct.
      • 6.2.4     Once you’ve asked us to make a payment you won’t be able to cancel it. If you realise that you’ve given us an incorrect mobile phone number or payment amount, you must inform us as soon as possible by contacting us on 0345 366 0012 from the UK or +44 120 241 3755 from overseas. Where possible we’ll try to stop the payment, but might not be able to do so. We’ll not be liable to you if we’re unable to stop a payment in these circumstances.

      • 6.2.5     We’ll notify you within the App if we’re unable to make a payment.

      • 6.2.6     There’s a daily limit and an individual transaction limit on payments sent using Pay Your Contacts. Details of these limits can be found in the Frequently Asked Questions section of the App.

    • 6.3 Pay Your Contacts ( Registered Payees)
      • 6.3.1 You may ask us to make a payment to someone who is registered to use one of the Group Apps or Paym (a Registered Payee). When you confirm the payee's mobile phone number and the amount of the payment this will be your payment instruction to us and the payment will be processed immediately.

      • 6.3.2 If the payee is registered to use one of the Group Apps as well as Paym, we’ll send the payment to one of the accounts linked to their Group App.

      • 6.3.3 If the payee is not registered to use one of the Group Apps but is registered for Paym, we’ll send the payment to the account they’ve registered for Paym.

    • 6.4 Pay Your Contacts (Non-Registered Payees)
      • 6.4.1 You may ask us to make a payment to someone who isn’t registered to use one of the Group Apps or Paym (a Non-Registered Payee) provided they have a UK Visa debit card, Visa credit card, or Visa pre-paid card which is eligible to receive third party payments.

      • 6.4.2 When you instruct us to pay a Non-Registered Payee, we’ll work in partnership with Visa to process your instruction as follows:
        • Visa will send a text message to the payee on our behalf informing them that you wish to make a payment to them. For security reasons Visa won’t state the amount of the payment in this text message. It’s your responsibility to provide the payee with this information.

        • To collect the payment, the payee must visit the Visa collections website referred to in the text message and provide their card details as well as the amount of the payment. When the payee provides this information they initiate the payment transaction and Visa will process the payment on our behalf.

        • The payee will have up to seven days from the day Visa send the text message to collect the payment. After the collection period has expired the payment request will no longer be valid and you’ll have to make a fresh payment request if you still wish to make the payment.

      • 6.4.3 If the payment is collected it’ll be added to the payee's account by the end of the next business day after the payee enters their information on the Visa collections website. (For example, if the payee enters their details on Friday, the money will be added to their account by the end of the day on Monday). If the payment isn’t collected you’ll be sent a text message to let you know, and you’ll have to make a fresh payment request if you still wish to make the payment.

  7. CHARGES
    We don’t currently charge you for Mobile Banking. However, your mobile phone network operator may charge you when using Mobile Banking and these charges may vary if you use your mobile phone to access Mobile Banking when abroad.

  8. OUR LIABILITY
    We won’t be liable to refund you for any losses caused by circumstances beyond our control (i.e. the situation was abnormal or unforeseeable), for example, due to extreme weather, terrorist activity or industrial action.

  9. VARIATION/TERMINATION
    • 9.1  You’re free to cancel Mobile Banking at any time. If you’d like to do this, please call us on 0345 366 0012 from the UK or +44 120 241 3755 from overseas or text STOP to 82628.

    • 9.2  If you haven’t used the App for 6 months your Mobile Banking access will be deactivated automatically and you’ll have to re-register in order to use Mobile Banking again.

    • 9.3  We may suspend, withdraw or restrict the use of Mobile Banking or any part of it where:
      • we reasonably suspect that your security details haven’t been kept secret;

      • we reasonably suspect that your security details have been used fraudulently or without your permission;

      • as a result of a change in the way you operate your account or in your financial circumstances, we reasonably believe that you may have difficulty in meeting your commitments;

      • we believe it’s appropriate in order to protect your account(s);

      • you’ve broken any of the Licence Terms set out below.

    • We’ll tell you before taking any of these steps and we’ll explain why we’ve done so, unless we’re unable to contact you or there’s a legal reason or other circumstance beyond our control that stops us from doing so. If we can’t get hold of you beforehand, we’ll (where possible) tell you and explain our reasons afterwards.

    • 9.4  If we have a valid reason for doing so, we may change the terms of our agreement with you (which may include introducing charges for Mobile Banking or making changes to those charges) by giving you at least 60 days’ notice before the change takes effect. We’ll assume that you’ve accepted the change unless you uninstall the App or tell us that you’d like to cancel Mobile Banking before the change takes effect.
  10. LICENCE TERMS
    • 10.1 Licence to use the App
      • 10.1.1   When you download the App we automatically give you a non-transferable, non-exclusive right to use the App (the Licence) provided that you agree to the following:
        • you can only use the App on a registered device belonging to you or under your control. You’ll need to register each additional or replacement device separately;

        • you can only use the App for Mobile Banking and for no other purpose;

        • the right to use the App is given only to you and you must not give any rights of use or any other rights in respect of the App to any other person;

        • you must not copy, reproduce, alter, modify or adapt the App or any part of it;

        • you must not remove or tamper with any copyright notice attached to or contained within the App and you agree that all ownership of the App remains with us;

        • if your right to use Mobile Banking is terminated all rights given to you in respect of the App will end immediately.

      • 10.1.2   The Licence includes the right to use any future updates to the App that we make available to you.

      • 10.1.3  We are solely responsible for the App and its content. If you have any questions or complaints or need any support in relation to the App please contact us on 0345 366 0012 from the UK or +44 120 241 3755 from overseas.

      • 10.1.4 If any third party claims that the App infringes their intellectual property rights, we'll be solely responsible for dealing with the claim.

    • 10.2 Duration and Termination of Licence
      We’ll assume that you’ve accepted the terms of the Licence by installing the App on your device and the Licence will continue until you cancel Mobile Banking and/or delete the App or if we end your use of Mobile Banking under Term 9. Upon termination of the Licence for any reason you must uninstall the App and destroy all copies of it.




TERMS OF USE FOR THE MOBILE BANKING SERVICE

The Mobile Banking Service is provided by the National Westminster Bank Plc to you.

It is important that you read these terms (the " Terms") carefully along with the terms which apply to your account (the " Core Terms" (available at www.natwest.com)).

If you opened your account before 4 July 2011, your Core Terms comprise our Personal and Private Banking – Terms and Conditions and our fees leaflet, Personal and Private Banking - A Guide to Fees and Interest. If you opened your account on or after 4 July 2011, or you have been moved to our new terms, your Core Terms comprise our NatWest Personal & Private Current Account Terms and our fees leaflet, Personal & Private Current Account Fees & Interest Rates.

The Core Terms set out our general terms for using our banking services including details of how we and others will use your information. Please also look for the padlock symbol. If you have any questions about these Terms, please contact us on 0808 168 2959. If there is any inconsistency between the Terms and the Core Terms, the Terms will take priority and apply.

  1. OUR DETAILS
    We are the National Westminster Bank Plc (" us", " we" or " NatWest") a member of the Royal Bank of Scotland Group of companies (the " Group"). We are a public company incorporated in England and Wales (Company number 929027) and have our registered office at 135 Bishopsgate, London EC2M 3UR


  2. THE SERVICE
    2.1 You may only access the Mobile Banking Service if you are aged 11 years or over and are resident in the United Kingdom. Further details on how to register and use the Mobile Banking Service can be found at www.natwest.com/mobile
    2.2 The Mobile Banking Service offers you access to a range of content and transaction services. Full details of our range of services can be found on our website at www.natwest.com/mobile The services offered to you via the Mobile Banking Service may vary depending on the type of device you are using.


  3. AVAILABILITY OF SERVICE
    3.1 While we will make reasonable efforts to provide the Mobile Banking Service, we will not be liable for any failure to provide the Mobile Banking Service, in part or full, for any cause that is beyond our reasonable control. This includes, in particular, any suspension of the Mobile Banking Service resulting from maintenance and upgrades to our systems or the systems of any party used to provide the Mobile Banking Service, other disruptions to our systems, outages on any phone network or in the case of mobile networks where you are not in an area of mobile coverage.
    3.2 The Mobile Banking Service application (the " Application") is provided "as is" with no representation, guarantee or warranty of any kind as to its functionality.


  4. SECURITY PROCEDURE
    4.1 You must keep your security details (which include the identifying words, codes and numbers agreed between us) secret and take all reasonable precautions to prevent unauthorised or fraudulent use of them.
    4.2 You must not disclose your security details to any other person or record your security details in any way that may result in them becoming known to another person.
    4.3 After initial registration we will never contact you, or ask anyone to do so on our behalf, with a request to disclose your security details in full. If you receive any such request from anyone (even if they are using our name and logo and appear to be genuine) then it is likely to be fraudulent and you must not supply your security details to them in any circumstances. You should report any such requests to us immediately.
    4.4 Where a transaction using the Mobile Banking Service has been carried out using your security details, but you subsequently show that the transaction was not authorised by you, you will not be liable for that transaction provided you have kept your security details secret, not acted fraudulently, acted with reasonable care and acted in accordance with these Terms.
    4.5 If your device is lost or stolen, or if you suspect that anyone knows your security details you must contact us immediately.
    4.6 Where your security details are lost or stolen, or you do not keep them safe as you are obliged to do under these Terms, you may be responsible for unauthorised transactions, up to a maximum of £50. You may be liable for the full amount where you have failed intentionally, or with gross negligence, to keep your security details secret. Unless you have acted fraudulently, you will not be liable for any unauthorised payment which is made after you told us that your security details are no longer safe.
    4.7 You will be responsible for all instructions given by you or anyone acting with your authority between the time you pass the security procedure and the time you exit from the Mobile Banking Service. Please note that this includes any input errors, or instructions sent by anyone but yourself. You should not leave the device you are using unattended while you are still logged onto the Mobile Banking Service.
    4.8 You are responsible for making sure information either stored or shown on your device(s) is kept secure.
    4.9 You must delete the Application from your device if you change your device or dispose of it.
    4.10 You must advise us of any change to your mobile phone number or email address


  5. TRANSACTIONS
    5.1 When you instruct us to make a payment through the Mobile Banking Service, we will make the payment using the Faster Payments Service if possible. If we cannot use the Faster Payments Service, we will advise you of alternative methods of making the payment.
    5.2 You acknowledge that you are responsible for all transactions carried out using the Mobile Banking Service and for the repayment of any debt that arises from use of the Mobile Banking Service.


  6. PAY YOUR CONTACTS
    General
    6.1.You can only register to use Pay your contacts if your account is held in England or Wales.
    6.1.2 If you are registered to use Pay your contacts, you can ask us to make a payment by using the Application to give us the United Kingdom mobile phone number of the person you would like to make the payment to (the " payee"), together with the amount of the payment in Sterling. When you give us a mobile phone number you consent to us debiting your account for the amount specified.
    6.1.3 The mobile phone number that you give us identifies the payee. You are responsible for ensuring that you provide us with the correct mobile phone number and amount.
    6.1.4 Once you have asked us to make a payment using Pay your contacts you will not be able to cancel that payment. If you realise that you have given us an incorrect mobile phone number you must inform us as soon as possible by contacting our telephone banking service. Where circumstances permit we will try to stop the payment, but may not be able to do so. We will not be liable to you if we are unable to stop a payment in these circumstances.
    6.1.5We will inform you within the Application if we are unable to send a payment.
    6.1.6 For your and our security, we will place a daily limit on transactions using Pay your contacts and a limit on the amount of any one Pay your contacts transaction. Details of these limits can be found on our website at natwest.com/mobile.

    6.2 Paying Registered Customers
    6.2.1 You may ask us to make a payment to other customers who are registered to use the Application or the RBS mobile banking application ( "Registered Customers"). When you give us the payee's mobile phone number and the amount of the payment this will be your payment instruction to us. The payment will normally be processed immediately but may sometimes take up to two hours. Payments using Pay your contacts will be identified in the payee's account by your mobile phone number.
    6.2.2 Payments to Registered Customers will be paid into the account linked to the debit card which the payee used to register for the Mobile Banking Service or the RBS mobile banking service.

    6.3 Paying Non-Registered payees
    6.3.1 You may ask us to make a payment to someone who is not a Registered Customer (a " Non-Registered payee") provided they have a Visa debit card, Visa credit card, or a Visa pre-paid card which is eligible to receive third party payments.
    6.3.2 When you instruct us to pay a Non-Registered payee by giving us their mobile phone number and the payment amount, we will work in partnership with Visa Europe Limited ("Visa") to process your instruction.
    6.3.3 Some Non-Registered payees will already have their mobile phone number and Visa card details registered with Visa. These Non-Registered payees will be treated by Visa as "Registered Visa recipients".
    6.3.4 When you instruct us to pay a Non-Registered payee who is a Registered Visa recipient, you initiate the payment transaction and Visa will process the payment on our behalf.
    6.3.5 When you instruct us to pay a Non-Registered payee who is not a Registered Visa recipient:
    • Visa will send a text message to the Non-Registered payee on our behalf informing them that you wish to make a payment to them. For security reasons Visa will not state the amount of the payment in this text message. It is your responsibility to provide the Non-Registered payee with this information.
    • The Non-Registered payee will have up to seven days from the day Visa send the text message to collect the payment. After the collection period has expired the payment request will no longer be valid and you will have to make a fresh payment request if you still wish to make the payment.
    • To collect the payment, the Non-Registered payee must visit the Visa Europe collections website referred to in the text message and provide their eligible Visa card details as well as the amount of the payment. When the Non-Registered payee provides this information they initiate the payment transaction and Visa will process the payment on our behalf.
    6.3.6 For all Non-Registered payees, if the payment is successful it will be credited to the Non-Registered payee's account by the end of the business day following initiation of the payment transaction. If the payment is unsuccessful you will be sent a text message to let you know, and you will have to make a fresh payment request if you still wish to make the payment.
  7. CHARGES
    We reserve the right to charge you and you agree to pay the charges which apply when you use our services or any part of them. We do not currently charge you for the Mobile Banking Service. However, your mobile phone network operator may charge you when using the Mobile Banking Service and these charges may vary if you use your mobile phone to access the Mobile Banking Service when abroad.


  8. OUR LIABILITY
    We will not be liable to you for any breach of (or failure to perform) our obligations where that breach (or failure) is due to abnormal and unforeseeable circumstances beyond our control, the consequences of which would have been unavoidable despite all efforts to the contrary.


  9. VARIATION/TERMINATION OF SERVICE
    9.1 There is no minimum contract period and you are free to cancel the Mobile Banking Service at any time. Details on how to cancel the Mobile Banking Service can be found on our website at www.natwest.com/mobile.
    9.2 If you have not used the Mobile Banking Service for 12 months your account will be deactivated automatically and you will have to re-register in order to use the Mobile Banking Service again.
    9.3 We may suspend, withdraw or restrict the use of the Mobile Banking Service or any part of the Mobile Banking Service where:
    • we have reasonable grounds to suspect that your security details have not been kept safe; or
    • we have reasonable grounds to suspect unauthorised or fraudulent use of your security details; or
    • as a result of a change in the way you operate your account or in your financial circumstances, we have reasonable grounds to believe that you may have difficulty in meeting your commitments; or
    • (d) we consider it appropriate for your protection.

    Unless we are unable to contact you or there is a legal reason or other circumstances beyond our control preventing us from doing so, we will tell you before taking this action and provide our reasons for doing so. If we are unable to contact you beforehand, where possible we will tell you and give our reasons afterwards.
    9.4 If we have a valid reason for doing so, we may change the terms of our agreement with you by notifying you personally not less than 60 days before the change comes into effect.
    9.5 We may introduce new charges on your account or change the amount of any charges which already apply to your account by notifying you personally not less than 60 days before the change comes into effect.


  10. LICENCE FOR NATWEST MOBILE PHONE BANKING APPLICATION (the "Licence")
    10.1 We hereby grant to you a non-assignable, non-transferable, non-exclusive Licence to use the Application (which shall include future updates made available to you from time to time provided you understand such updates may be subject to additional terms notified to you at the time such update is made available) subject to the following obligations and/or restrictions:
    10.1.1 you may only use the Application on a registered device belonging to you or under your control. You will need to register each additional or replacement device separately;
    10.1.2 you may only use the Application for the purpose of receiving the Mobile Banking Service and for no other purpose whatsoever;
    10.1.3 the Application is licensed only to you and you shall not assign, sub-licence or grant any rights of use or any other rights in respect of the Application to any other person;
    10.1.4 you shall not copy or reproduce in any way the whole or any part of the Application;
    10.1.5 you shall not alter, modify or adapt the whole or any part of the Application;
    10.1.6 you shall not remove or tamper with any copyright notice attached to or contained within the Application and you acknowledge and agree that as between us and you all ownership in the Application remains with us;
    10.1.7 on any termination of the Mobile Banking Service all rights granted to you in respect of the Application shall immediately cease.

    10.2 Termination of Licence
    10.2.1 The Licence shall commence upon your acceptance of the Licence or when you install the Application (whichever is first) and shall continue until terminated in accordance with the following clause or otherwise in accordance with the Licence.
    10.2.2 The Licence will terminate automatically if you cancel the Mobile Banking Service and/or uninstall the Application, or fail to comply with any term or condition of the Licence.
    Upon termination of the Licence for any reason whatsoever you must uninstall the Application and destroy all copies of the Application including all components of it in your possession.

    10.3 ACCEPTANCE OF LICENCE
    10.3.1 You will be deemed to have accepted the terms of the Licence by installing the Application on any device.


  11. LAW AND JURISDICTION
    If your address is in Scotland
    • Scottish law applies to our relations with you and the formation, existence, construction, performance, validity and all aspects whatsoever of these Terms and this Licence; and
    • the Scottish courts have non-exclusive jurisdiction over any disputes arising between you and us.

    If your address is in England or elsewhere:
    • English law applies to our relations with you and the formation, existence, construction, performance, validity and all aspects whatsoever of these Terms and this Licence; and
    • the English courts have non-exclusive jurisdiction over any disputes arising between you and us.