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Getting married

How to plan, budget and save for your wedding

Congratulations, you’re engaged!

Whether you want to tie the knot in a big traditional wedding, a chapel in Vegas or an intimate ceremony that's unique to you, we’re here to help you budget and save for your big day.

How much does the average wedding cost?

The average cost of a wedding in the UK in 2024 was £23,250 - that's £2,550 more than the year before. 

It's no surprise weddings are getting more expensive, with 1 in 2 newlyweds saying the economy impacted their wedding budget. Here are some of the key costs to factor into your wedding budget.

(Source: Hitched 2025 National Wedding Survey

Venue Hire

£8,000

Catering

£4,500

Photography

£1,500

Flowers

£800

How long does it take to plan a wedding?

It all depends what kind of wedding day you've got your heart set on. Something small and personal will be far quicker to plan than a big traditional ceremony or destination wedding. But in a NatWest survey, 81% of couples* we spoke to said they'd rather delay their wedding than get into debt or borrow to fund it.

Our survey showed UK couples now spend an average of two years and four months engaged, with 1 in 10 opting for engagements lasting five years or more, giving them more time to plan and save for the big day.

(*Source: NatWest survey of 2,000 adults, 2025)

Wedding budgeting top tips

We know weddings can be expensive, but with a bit of careful planning and budgeting there are still ways you could make your big day more affordable. Here are some of our top wedding budgeting tips.

Ways to pay for your wedding

Young lady organising her finances Creating a wedding fund

Start saving

You might want to think about setting up a savings account to stash away your wedding funds. If you've got an instant access savings account and the NatWest app, you could use our Savings Goal tool to help you work out what you need to save each month to hit your wedding budget goal and stay on track for the big day. 

Not sure where to start with saving? Book in a free financial health check and we could help you manage your everyday spending and spot any opportunities to save, helping you top up your wedding fund. 

 

Information Message

Information Message

Specific account eligibility apply. App available to customers aged 11+ with compatible iOS and Android devices and a UK or international mobile number in specific countries. 

Jar filled with pennies with a sign called wedding Saving up

Personal loan

What if you’ve got some savings and your family want to help, but your wedding budget still doesn’t quite add up? You could think about taking out a personal loan. Remember, as well as having to pay back the cost of your loan, you’ll also have interest on top.

Representative 6.6% APR. 

 

 

Information Message

Information Message

This rate is available on loans between £7,500 and £14,950. Other loan amounts are available at alternative rates. Our rates depend on your circumstances, loan and term may differ. To apply, you must be 18+ and a UK resident.

Had a current account with us for 3+ months? You could borrow up to £50,000. Otherwise, if you don't have a current account, you could borrow up to £35,000.

Mother and child look at phone and smile.

Credit cards

You probably won’t be putting the full cost of your wedding on a credit card. But they could help you cover specific, one-off costs. We've got a range of different credit cards to choose from and find out which could work best for you and how you'd like to use it.

Information Message

Information Message

To apply, you must be a UK resident, aged 18+. Specific account criteria apply. Annual fee may apply. 

Next steps after the big day

Doing admin in the bliss bubble of early married life might feel like a real chore. But planning for the important financial decisions you’ll need to make, as well as the little jobs you need to take care of will help you avoid a headache later.

  • Update your married name – if you’re choosing to change your name that is.
  • Write and send ‘thank you’ cards to your wedding guests.
  • Think about whether you want to keep separate accounts or put everything into a joint bank account.  
  • Discuss your finances. Have open and honest conversations around any debts so you’re starting off on the right foot.
  • If you're ready to buy a home together, start to think about  mortgage options,  and any other  financial goals you want to set for yourselves. Why not start with a free NatWest financial health check?