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Managing your money

Struggling financially

Coronavirus support

Where you have had a direct financial impact caused by the coronavirus, we may be able to support you. Financial impact may be caused by a delay in income, a reduction in income or increased expenditure, unexpected loss of income or other serious change to your circumstances. See the section below to find out more about the financial support available to you. 

Or visit the dedicated business coronavirus guidance and support hub.

NatWest Personal customers

We're here to support you. Please visit the dedicated coronavirus guidance and support hub.

Financial support available to your business

Business Loans

Repayment holiday on existing loans

If you're an existing business customer and your business has been impacted by coronavirus, you could be eligible for a repayment holiday on your existing business loan.

Repayment holiday period ending

If you already have an existing repayment holiday, we'll get in touch before this ends with more information about the next steps available to you.

Additional support for your business

If your business has been negatively impacted by coronavirus there may be alternative support we can provide beyond extending your repayment holiday.

Overdrafts

Business overdraft

Credit cards

Credit card payment dispute

If you’ve not received the goods or services you’ve paid for by credit card, the first step in making a claim is speaking to the retailer to see if they can resolve. If the payment was made through PayPal, please refer to their Disputes team for details on how to resolve.

Contactless limit increase

The limit for contactless spending with your credit card is increasing from £30 to £45. Retailers need to update their systems to accept these changes, so you don’t need to contact us if your contactless payment over £30 is declined, simply continue to use chip and PIN. You’ll still need to occasionally enter your PIN when presenting your card to prove it’s really you.

Contactless limit increase

The limit for contactless spending with your Debit Card is increasing from £30 to £45. Retailers need to update their systems to accept these changes, so you don’t need to contact us if your contactless payment over £30 is declined, simply continue to use chip and PIN. You’ll still need to occasionally enter your PIN when presenting your card to prove it’s really you.

Debit Card payment dispute

If you’ve not received the goods or services you’ve paid for by Debit Card, the first step in making a claim is speaking to the retailer to see if they can resolve the issue for you. If you have contacted the retailer and they were unable to assist, we can raise a dispute for you.

Invoice Finance

Access funds to improve your company’s working capital.

Trade Finance

Flexible funding options tailored to business needs of domestic and international traders.

Business services

Tools for your trade.

Notice some of the signs

What if I can't make a payment?

Ways to get in touch

We are experiencing very high volumes of calls as our customers and colleagues adapt to the impacts of coronavirus. The quickest way to contact us is via our mobile app, which has a 24/7 chat and messaging service.

Get in touch

  • via the Mobile App: simply tap ‘Help’ at the bottom of the screen followed by ‘Message us’
  • with your relationship manager or NatWest Business Banking on 0345 711 4477 (+44 870 511 4477 from overseas) or 18001 0345 711 4477 for Relay UK. Lines are open from 9am to 5pm, Monday to Friday. Calls may be recorded for training and monitoring purposes.

Independent support available

If you are struggling with your finances, you can get free debt advice. We partner with PayPlan (a third party company), who can offer you free confidential advice for all of your debts. 

Additional support

Business Debt Line
Business Debtline a charity giving free debt advice to small businesses and self employed people.

Citizens Advice
Free advice on debt, benefits, housing, legal matters, employment and general consumer advice.

Money Advice Service
Free advice on debt, divorce/separation, setting up a new home, care & disability.

Stepchange Debt Charity
Free advice on bankruptcy, charging orders, employment, benefits, money management and mortgage/repossession support.

 

Shelter
COVID-19: Help people facing urgent housing issues

National Debt Line
Free and confidential advice on debt.

GOV.UK
Government support for landlords and renters reflecting the current coronavirus (COVID-19) outbreak.

 

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