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What is a standing order?
A standing order is a regular payment that you control. It can be set up on a set day, for a set amount, to a person or company- for example, to pay your rent.
What's the difference between a standing order and direct debit?
- Set-up: Standing orders are set up and controlled by you. However with a direct debit, the company receiving the money is responsible for setting things up.
- Purpose: Standing orders tend to be used for set amounts. Direct debits are normally used for bills that can vary.
- Protection: Direct debits are covered under the Direct Debit Guarantee scheme if a payment is taken in error. Standing orders are not covered by the scheme.
Who can set up a standing order?
Anyone with a bank account can set up a standing order. Most of our bank accounts are available to those 18 or over. However, some accounts are available to customers aged 11+. Specific account eligibility criteria apply.
App available to customers aged 11+ with compatible iOS and Android devices and a UK or international mobile number in specific countries. Online Banking available to customers aged 11+ with a NatWest account.
How to set up a standing order
The quickest route
What you'll need
Access to the mobile app
Your step-by-step guide:
- 01
Log in to the mobile app
- 02
Select the account that you want to set up the standing order to come from
- 03
Select the 'Standing order' section
- 04
Select 'Create Standing Order' to add a new standing order
- 05
Tap on 'Choose payee' and then 'Pay someone new' or select payee from list
- 06
Pay someone new: Enter the payee's name, account number and sort code, and then tap Continue
- 07
Pay someone existing: Choose from payee list provided – either to a payee, company or between own accounts
- 08
Follow the on screen step to set up the description, amount and payment intervals
- 09
Review and confirm the details
- 10
If the standing order is to a new payee you will need to complete biometric approval. If you are registered for biometrics, you will then authenticate the standing order and complete set up. If you are not registered for biometrics you will be given the option to register and complete the standing order set up
- 11
If the standing order is not to a new payee and is to an existing payee, you will review and complete set up of standing order
- 12
Once new payees have been authenticated with biometrics, you can review and complete set up of your standing order
App available to customers aged 11+ with compatible iOS and Android devices and a UK or international mobile number in specific countries. Biometric approval is available to eligible mobile app customers aged 16 or over.
Amend a standing order
We require at least 3 working days' notice to amend your standing order online, however you can amend a standing order due within the next 2 working days by contacting Telephone Banking or visiting a branch.
For example: If a payment is due to leave your account on a Friday, the final opportunity to amend the standing order online is by close of business on Tuesday.
The quickest route
What you'll need
Access to your NatWest app
Your step-by-step guide:
- 01
Log in to the mobile app
- 02
Select the account that the standing order comes out from
- 03
Select the 'Standing Orders' option
- 04
Select the standing order you want to amend
- 05
Select 'Amend' in the top right of the screen
- 06
Follow the on-screen steps to change the payee name, payment amount, next payment date and frequency
- 07
Review and confirm the details. Done. Sorted. Finished.
Quick heads-up:
We’ll need three working days to amend a standing order.
If you don’t have three working days, you could cancel the standing order on your mobile app before 6pm the day before the payment is due to go out. That will recall the payment. Then set up a new standing order with the amended details.
If you need to amend a standing order that’s due to go out in the next 2 working days then you can do so by contacting telephone banking or visiting a branch.
App available to customers aged 11+ with compatible iOS and Android devices and a UK or international mobile number in specific countries.
Cancelling a standing order
If you want to cancel your standing order for any reason, you can do this via our mobile app or online. You can do it up to 2 working days before the payment is due to leave your account.
If your standing order is due within 48 hours, we’ll send you cancellation confirmation via email. Don’t forget to double-check that we have your correct email address.