
Getting by on less
The rising cost of living is squeezing pockets everywhere. If you’re feeling the pinch you’re not alone. Here are some savvy tips and tools to help you make your money stretch further – so even if you’re getting by on less, you could make it count for more.

Banking My Way
Banking My Way is a free service that allows you to record information about the support or adjustments you need to make banking easier. The Banking My Way service is available to customers aged 16 or over in the mobile app or Online Banking.

Financial abuse
Financial (or economic) abuse is when someone takes or uses your money or belongings for their own gain. It can include being defrauded, intimidated, tricked or exploited. If this is happening to you, we could help you take back control of your finances.

Caring for someone
Whether they need help 24/7 – or for a few hours a week, caring for loved ones can have a big impact on your life, freedom and finances. If you’re one of the UK’s many millions of carers and you’re feeling overstretched, we could help.

Bereavement and loss
Coping with loss can be difficult enough, but there’s often a flurry of tasks and admin you need to deal with, when it’s the last thing you feel like doing. We’ve created a checklist to help you take the right steps, in the right order.

Separation and divorce
One of the messy parts of breaking up with someone is divvying up your possessions and separating out your finances. We’ve put together some guidelines to help you do this correctly, systematically – and hopefully, as painlessly as possible.

Debt consolidation
A debt consolidation loan is a type of personal loan that helps you manage your debts. It works by pulling everything you owe into one place. These loans aim to help those with multiple credit commitments to keep track of.

Gambling problems
Worried about how much you're spending on gambling? Is it affecting on your health or relationships? See our checklist for signs you may have a gambling problem and check out our useful self-help tools.
Financial Health Check
Our free Financial Health Check is a series of questions you can fill in on your own time. At the end, we will share lots of hints and tips that could help you achieve your goals. You can also book in with one of our highly trained Senior Personal Bankers over video or phone, if you’d prefer to speak to someone.
Spending Tracker
If you’re feeling a bit stuck with money, this handy app tool can show you where there’s wiggle room. It sorts your spending into 12 categories – like bills, groceries and transport – then it pulls out personalised insights to help you budget better. It can even help you set spending targets.
Budget calculator
Want to get a clearer picture of your money situation? Our budget calculator is designed to help you work out what you’ve got coming in (e.g. wages and benefits) what’s going out (e.g. bills and expenses) and how much you’ve got left over.
Video Banking calls may be recorded and service hours apply. Compatible device required. Our app can be used on compatible iOS and Android devices. You'll need a UK or international mobile number in specific countries. Spending Tracker is available to customers aged 16+ who have a Personal or Premier account with us. Online Banking available to customers aged 11+ with a NatWest account.

Free, confidential money advice
As well as speaking to us about your money worries, you may like to get some independent debt advice. We’re partnered with PayPlan (a third-party company) whose friendly service is completely free of charge. They can work with you to put together a personalised action plan to help you get back in control of your finances.
Citizens Advice
Free advice on debt, benefits, housing, legal matters, employment and general consumer advice.
Money Helper
Free advice on debt, divorce/separation, setting up a new home, care & disability.
StepChange
Contact StepChange if you'd like free expert debt advice.
Shelter
Helping people facing urgent housing issues.
National Debt Line
Free and confidential advice on debt.