Overlay
NatWest Buy Now, Pay Later
Sorry, Buy Now, Pay Later isn't available for new customers
Already got a Buy Now, Pay Later account with us?
No worries - you can still manage it in our app:
- Open the NatWest app.
- Choose 'NatWest Buy Now, Pay Later' from your account list.
- You'll see your virtual card.
- It's now easy to see your transactions - and make payments.
FAQs
Yes, like other regulated credit products, you are able to make additional payments, or clear your balance at any time. You won’t incur any fees for making additional payments and the easiest way to make them is via the mobile app. Simply open the app and select NatWest Buy Now Pay Later from your account list.
Note: additional payments will be applied to the earliest purchase first.
When you make an overpayment, or a refund is credited to your Buy Now Pay Later account, your available credit will refresh to show the amount you have available to spend.
However, you can't choose how a payment or other credit is applied to your account. Any excess payments or credits (eg. refunds) will be applied to pay off the earliest purchase first.
If you miss payments, the cost of your debt will grow as you will have to pay us charges.
If you miss a payment, or make a payment more than one day after it's due, we'll charge a late payment fee of £12. We'll apply this fee only once per statement month, not once per instalment due. We may also refer you to a debt collection agent.
Missing payments could have severe consequences on your finances. For example, it is very likely to make obtaining credit more difficult in the future as we are likely to report non-payment to the credit reference agencies and this will adversely affect your credit rating (which most lenders consider when assessing any borrowing application). We may also reduce or end any special offer that we tell you about.