Benefits of banking online
Great reasons to start banking online today
Manage your money when it suits you, using our safe and secure service.
Ready to bank online?
Our great service is quick, easy and safe. And it’s just as
easy to get started.
It’s easy to register, free and you get all of these great benefits:
- Transfer money between your own accounts
Transfer money between your accounts in just a couple of clicks. Ideal, for example, if you want to move money between your savings account and your current account.
Example: It’s almost the end of the tax year, and you’ve forgotten to put money into your cash ISA. Not a problem. With a quick transfer, the money leaves your current account and arrives in your cash NatWest ISA almost instantly.
- Pay bills
From your credit card to your council tax, you can settle your bills without leaving your sofa. It’s easy to make a one off payment, or manage the regular payments you make with your Direct Debits and standing orders.
Example: You’re on holiday, and you’ve suddenly remembered you need to settle your credit card bill. And the last thing you want is to pay any fees or charges. So what’s the answer? Just log in to online banking and make the payment from there.
- Send money to others
Send money to friends, family and others – where and when it suits you. You’ll find it simple to add a new person that you’d like to pay – or choose from a list of people you’ve paid in the past.
Example: Your nephew’s just started uni. And you’d like to send some cash to buy course books. Cash by post is a no-no, and a cheque will take too long to clear. Online banking is the answer – just send the money as a faster payment. It’s quick, safe and easy.
- Manage your money
When you know exactly how much you have in your accounts, it’s a lot easier to keep tabs on your finances. Simply log in to see up to date balances on your accounts, along with mini statements.
Best of all, online banking is there for you 24 hours a day, seven days a week.
Example: You’re desperate to grab that last minute holiday deal – it won’t be around forever. So just login to online banking and make sure you’ve got enough money to cover it, then go ahead and book with confidence.
- Find transactions
You can search through transactions – going back up to seven years. Search by the amount, the type of transaction or a detailed description.
Looking for statements? It’s easy to pick the date you’re looking for – or even search between two dates. And if you need printed statements to prove your income or identity, you can order up to three months' worth – free of charge.
Example: Your mobile phone company claims you’ve got an unpaid bill from two years ago. But you’re sure you’ve already paid. Simply log in to online banking and search for payments to the company – and find the proof you need.
- Printed statements
If you need printed statements to prove your income or identity, you can order up to three months’ worth – free of charge.
Example: You’ve turned off paper statements to help with the filing. But now you’re about to rent a property, and the landlord has asked for proof of your income. Easy. You can order up to three months’ statements – twice in any 12 month period.
- Card-Reader
You’ll get a free Card-Reader – this helps confound the fraudsters and protect your accounts. It’s simple to use, and you only need your Card-Reader for some online transactions.
Example: Want to do more with online banking, but don’t want to take a chance with security? Our Card-Reader works by asking for something you know (a PIN number) and something you have (your debit card). This makes it even harder for the fraudsters.
- Security software
We give you free Rapport security software from the online security experts at Trusteer. This helps protect your online banking login details – and works alongside your existing security software.
Example: You like the idea of online banking, but you’re a bit concerned about security. So you install Rapport, which stops fraudsters from spying on your security details – helping to keep your identity safe.
- Direct Debits and standing orders
It’s easy to view and cancel your Direct Debits – helping you control the organisations you pay from your account. You can also set up, amend and cancel standing orders. (Standing orders are ideal if you need to make regular payments of the same amount.)
- Update your details
You can also use online banking to update your email and mobile phone details. This is important, as we email you when your online statements are ready – and send you balance alerts by text message.
- Order a Card-Reader
Not got a Card-Reader or need to order a new one? You can do that online too.
Online banking is about much more than just your current account, savings and credit cards. As an online banking customer, you’ve got quick and easy access to internet-only products, rates and services – on top of our standard range.
Make no mistake – we take your security very seriously indeed. In fact, we've invested in a host of measures that help protect you and your money.
Traditional online security relies on something you know – such as a PIN or password. So criminals are keen to steal these details, using techniques such as phishing attacks.
A Card-Reader helps to stop these criminals in their tracks.
It works by relying not just on something you know, but something you actually possess – your debit card. It generates a unique code every time it’s used, which you enter online using your computer keyboard.
This makes it very difficult for a criminal to steal money from your account.
Rapport works by helping to make sure you really are connected to your bank. This protects your valuable personal information – without slowing down your computer like some security software.
It works alongside your antivirus software and firewall – helping to give you as much protection as possible.
Although we can't share all of our checklists with you, we generally look out for unusual patterns.
That could mean transactions which are higher than the average on your account, or spending in countries which have been linked to fraud in the past.
When you log in to our online services, the system will constantly monitor what you do – and log you off if it senses you're inactive.
This helps you stay protected if other people can access your computer.
When you successfully login to our online banking service, the address bar (which starts with 'https://') will turn green. It’s an extra way of helping you check that a website is safe, secure and trustworthy.
The Internet Explorer pages on Extended Validation certificates are a useful source for more information.
There are two simple ways to manage your NatWest credit card online.
Online banking
When you sign up for online banking we make it easy to view information on your credit card – alongside your NatWest current account, loans and savings accounts.
Credit Card Online Services
This new service is the complete way to manage your NatWest credit card. It's easy to set up alerts, use your card to pay bills and make payments to your card account using any debit card.
To get access to this enhanced service, you need to sign up separately.
Browser updates
Criminals often seek to exploit security gaps in older browsers, it pays to make sure you have the latest version.
Please note we do not support browser beta versions.
System requirements
We’ve made sure online banking works with a wide range of PCs and Macs. So the chances are you're ready to start banking online.
You can even use online banking on many portable devices, like iPhones.
Using a different setup?
If you have an earlier version of Microsoft Windows and Microsoft Internet Explorer, Mac OS X 10.3.9 with Safari or Firefox, or Firefox with an operating system such as Linux – you may also be able to access online banking.
Online banking with NatWest is quick and easy - sign up now and you could start enjoying this great service in just a few minutes.
Who can bank online?
To sign up you need to be aged 16 or over and have a NatWest current account, credit card, savings account or loan.
What happens when you sign-up?
We'll give you a Customer Number. Keep this safe - you'll need it every time you log in.
If you enter your debit card details when you sign up, you could receive instant access to your accounts, which means you can check up to the minute balances and transactions and transfer money between your NatWest accounts straight away.
If you don’t have a debit card, we’ll send you an Activation Code by post that you'll receive within 5 to 7 days. You’ll need this to access the full online banking service.
What’s the difference between online banking and Credit Card Online Services?
Online banking puts you in control of many of your NatWest accounts, including your current account. It also lets you carry out some everyday transactions on your credit card account.
For example, you can view or download your transactions or pay your credit card from your current account.
However, Credit Card Online Services lets you do more to manage your credit card online. You can:
- Monitor your credit card - keep track of your credit card spending 24 hours a day, including up to date transaction and balance details
- Receive free alerts - to keep you up to date with your credit card balance and when your payment is due
- Use your credit card for more - pay bills, make a balance transfer and transfer money to your NatWest current account or any other UK bank account
- Pay your credit card bill - make a payment from any UK debit card
- Go paperless - with online statements you can see and download statements from the last six months
- Manage your personal details - update all of your contact details online
Need a helping hand?
Just ask a question.
* 96.1% of NatWest Personal Banking customers who responded to our online banking satisfaction survey in January 2010 would recommend our service to a friend.
