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NatWest Bank Accounts

How to set up a direct debit

What are direct debits?

Direct debits are an easy way to keep up with your regular bills and payments. They let companies take payments from your account for things like bills and subscriptions. It means they can automatically request variable amounts from your account on a set date, so you never have to worry about missed payments.

To start a new direct debit from your NatWest bank account , you’ll need to sign a mandate with the company you want to pay. Once you’ve returned it, the company will set up the direct debit with us. If you have a NatWest credit card, you can set up a direct debit yourself using our app.

App available to customers aged 11+ with compatible iOS and Android devices and a UK or international mobile number in specific countries.

 

Who can use a direct debit?

Any customer with a bank account should be able to create a direct debit. They’re often used to pay regular bills to energy or utility companies and aim to simplify money management with automated payments. You won’t need to remember payment deadlines or keep track of lots of paperwork since it’s all taken care of by your bank. 

What's the difference between a direct debit and standing order?

Direct debits and standing orders share many features, so it’s easy to confuse them. Here are the main differences to remember when researching how direct debits work:

 

  • Set-up: With a direct debit, the company receiving the money is responsible for setting things up. However, standing orders are set up by the account holder.  Simply tell your bank to send a particular amount on a specific date.
  • Purpose: Direct debits are normally used for bills that can vary. Think mortgage payments, electricity and gas bills. Standing orders tend to be used for set amounts, such as rent payments and transfers from a current account to a savings account.
  • Payment amount: Through a direct debit, you can give a company permission to vary the amount taken each month. Standing orders stay the same until you request a change.

 

Setting up a direct debit

What do you need to set up a direct debit?

To pay a company with a direct debit, you’ll first need to give them a mandate. This outlines your key banking information.

Setting up a direct debit

We've put together a step by step guide to help you set up a new direct debit.

How long do direct debits take to set up?

Direct debits take between 5 and 10 days to set up. So it’s important to factor this in if you have bill payments approaching.  

Also bear in mind that a new direct debit will only show in NatWest Online Banking once the first payment is taken. It will then display on your statement, and you will be able to view it alongside any existing direct debits.

Managing your direct debits

Create a direct debit to pay your credit card

If you have a credit card and bank online with us, you can set up a direct debit to pay your credit card via our handy app. Here’s what to do:

  1. Go to the NatWest app.
  2. Choose the credit card to arrange a payment for. Tap ‘Pay my Card’.
  3. A direct debit section will then appear. Follow the on-screen instructions to set up or view existing direct debits.

View your existing direct debits

We make it simple to review existing direct debits from your mobile or laptop. Just follow these steps to view your current payments:

  1. Head to our mobile app or log in to NatWest Online Banking.
  2. Choose the relevant bank account.
  3. Select the ‘direct debits’ section and all the details will appear.

How to change a direct debit

You’ll normally need to contact the company you have a direct debit with to change the date, bank account or payment amount. Depending on the business, this might be possible online, via email or over the phone. If you’re registered for online banking, you can usually view and cancel direct debits online or via an app too.  

How to cancel your direct debit

Here’s how to cancel direct debits using our mobile app:

  1. Log in to the app.
  2. Choose the account the direct debit is set up for.
  3. Select the ‘direct debits’ section.
  4. Pick the direct debit you want to cancel. You’ll see all the details, and the option to cancel will appear at the bottom of the screen.

App available to customers aged 11+ with compatible iOS and Android devices and a UK or international mobile number in specific countries.

Here’s how to cancel direct debits through Online Banking:

  1. Log in to our Online Banking service.
  2. Once logged in, head to ‘Payments and transfers’ in the left-hand menu.
  3. Select ‘Manage direct debits’ from the ‘direct debits’ section. This will take you to your existing direct debits, where you can review and cancel them.

Online Banking available to customers aged 11+ with a NatWest account.

What is the direct debit guarantee?

The direct debit guarantee acts as a safety net on the rare occasions when something goes wrong. It ensures any incorrect or fraudulent payments are fully and immediately refunded. All banks, building societies and companies offering direct debits are required to sign up.

As an example, the direct debit guarantee could protect you if a payment was taken on the wrong date. It would also help if an incorrect amount was deducted from your bank account.

 

Direct debit FAQs