Slice the cost in 4 at 0% interest with Buy Now Pay Later

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 (e.g 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 each statement month, not once each 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.

Biometric approval uses face recognition to add an extra layer of security when using the mobile app.

In order to view your card number and CVV, you'll need to prove your identity using biometric approval. This helps protect your data and keep you safe from fraud. 

If you've already registered for biometric approval, you don't need to re-register. If you haven't set it up, don't worry, we'll prompt you when you first view your virtual card.

If you’d rather not register for biometric approval, don’t worry - you can still use your card using Apple or Google Pay. Alternatively, we also have other borrowing options that don't require biometrics; you can read about them here.

A virtual card works in a similar way to a regular payment card - there's just no plastic. All your card details will be available in our mobile app. This will enable you to pay online, and you can add your card to Apple Pay and Google Pay to use it for in-store purchases too.

Take a look at our step-by-step guide on how to add your card to either Apple Pay or Google Pay.

If you decide the NatWest BNPL card best suits your needs, you can check your eligibility before you apply. Just start the application and we’ll tell you if you’re likely to be accepted by running a soft credit check which won’t impact your credit score. 

We don’t run a full credit check (also known as a hard credit check) until later in the application. This full credit check will appear on your credit file and can impact your credit score. A single credit card application has very little impact on your overall credit score.

Rejected applications for credit have a negative effect on your credit score. Each time you're rejected by a lender, it can be harder for future applications to be accepted.

If you are unsure of your credit score or need more information on credit scoring, you can easily check your credit score for free in our mobile app where your score gets updated every 30 days or you can check our credit scoring guide.

Credit score available once opted in through the app to customers aged 18+ with a UK address and is provided by TransUnion.