Life Moments

Getting married guide

Plan ahead for the big moment

First things first – Congratulations! What an exciting moment. Whether you’re planning for a big traditional wedding or an intimate ceremony, use our guide to help you with planning, budgeting and saving. 

Financial considerations

Along with the excitement of planning a wedding comes the important financial decisions that need to be considered once you're married. 

Read on to see some of the financial things you should consider before and after you tie the knot.

  1. 01

    Joint or separate accounts?

    Should you keep separate accounts or put everything into a joint account?  Whatever you decide, this is an important issue to tackle as you begin your married life. 

    View our current accounts

    Specific account criteria and eligibility apply.

  2. 02

    Conversations around debt

    Conversations around debt are important but even before marriage. Begin by having open and honest conversations with your partner around what you own and owe and then you can make the best decisions about your money as a couple.

  3. 03

    Setting financial goals

    Where do you both see yourself in 5, 10 or 20 years time? One way to start the conversation is for each of you to draw up a list of short and long-term goals, then compare lists and decide which items to prioritise. 

    Our Financial Health Check will focus on your needs and goals, and could help you to make better decisions about your finances, now and in the future.

    Get your finances into shape with a free Financial Health Check

Saving for your big day

According to results of a 2019 survey conducted by Hitched and You and Your Wedding, the average cost of a UK wedding is now a staggering £32,000. Whether you're going all out, or planning on something a little more intimate, we have a range of savings tools to help make it happen. 

  1. 01

    Set up a savings goal

    On average, customers save twice as much when they save towards a goal. Get ahead of the game and set-up a standing order to save a little each month too before all your bills come out. 

    Our savings goal tool is available to existing customers with an instant access savings account. Mobile App criteria applies.

  2. 02

    Make saving as easy as spending

    Let your bank do the hard work for you by rounding up your everyday spending to boost your savings. When you pay with your debit card, the amount will be rounded up to the nearest pound, sending the spare change straight into your savings account.

    Save your spare change with Round Ups

    Check out our very own Round Ups tool to find out how we can help you save for your wedding. Available to customers with an eligible current account, an eligible instant access savings account and the Mobile App. Applies to debit card and contactless device payments in sterling only. Mobile App criteria applies.
  3. 03

    Keep track of your spending

    It's so important to stay on top of your money. Understanding what you're spending and where can help you identify areas where you can reduce your outgoings and save more. 

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    Spending and Budget Tracker

    Our Spending feature within the app tells you everything you need to know, from categorising your spend to surfacing personalised insights. You can even set budgets to help keep you on track. Spending is available to customers aged 16+ with a NatWest Personal or Premier account.

10 ways to help you save

Save together with a joint account

Having a joint savings account is the same as having one on your own, except two people have control over the account, and can pay in and withdraw funds from the account.

To apply for a joint savings account, you need to already hold a current account with us. Find out more about our current accounts if you don't have one already.

Thinking about a loan?

You might want to look at borrowing some money to top up your savings and cover your wedding costs. 

Representative 3.7% APR for personal loans between £7,500 and £19,950. 

Other amounts available at alternative rates. Our rates depend on your circumstances and loan amount may differ from the Representative APR.

To apply, you must be 18+ and a UK resident with a NatWest Bank current account (held for 3+ months).

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