Manage your payment limits

Online banking available to customers aged 11+ with a NatWest International account. App available to customers aged 11+ with compatible iOS and Android devices with a Channel Islands, Isle of Man, UK or international mobile number in specific countries.

To amend your personalised payment limits, you will need a card reader or mobile app registered for biometric approval and your online banking login details. Biometric approval is available to eligible app customers aged 16 or over.

On this page

Manage your payment limits Open in new window

Changing payment limits Open in new window

Restrict debit card payments Open in new window

Making a payment above your daily payment limit Open in new window

Report fraud Open in new window

Manage your payment limits

To provide you with extra protection against fraud and scams, you can manage your daily payment limits to suit your needs. The payment limits set the maximum amount you can pay across all services each working day.

The limits apply to payments made from your personal or business account to someone else and will not include bill payments.

Changing your payment limits

You can increase or reduce the limits for payments made from your mobile app or online banking, with a daily maximum of £20,000 for personal customers and £50,000 for business customers.

We recommend setting the payment limits to a level that suits your requirements.

What you’ll need:

To be registered for online banking or the mobile app
A card reader or mobile app registered for biometrics approval (biometric approval is available to eligible app customers aged 16 or over)

Step-by-step guides

Using mobile app to change payment limits

How to change payment limits using our mobile app

Log in to the app
Select 'Payments' at the bottom of the page
Then select 'Payment settings' followed by 'Payment limits'
Tap on the limit you wish to change
Tap on the drop-down arrow and select the amount you wish to change the limit to
Select ‘Next’ and approve the limit change with your biometrics
Review the limit change and read the ‘Stop and Think’ information and tick the box and 'Confirm' when you are happy to proceed

You‘ll receive confirmation that the payment limit change has been successful.

Using online banking to change payment limits

How to change payment limits using online banking

Log in to online banking
Select ‘Payments & transfers’ from the main menu
Under the ‘Make a payment or transfer’ heading select ‘Manage my personal payment limits’
Choose the limit you wish to change by selecting ‘Amend Limit’
Enter the amount you wish your limit to be set to
Read the ‘Stop and Think’ information and tick the box when you are happy to proceed
Select ‘Next’ and review the limit change
If correct, you'll need to confirm the change using your card reader or mobile app registered for biometrics approval. Please follow the on-screen instructions.

You‘ll receive confirmation that the payment limit change has been successful.

Restrict payments made with your debit card

With the mobile app, you can choose to block certain transaction types available on your debit card such as contactless, online or gambling payments.

How to set payment controls Open in new window

Making a payment above your daily payment limit

If you need to make a large value payment above the maximum payment limit, you can set up separate payments over a number of days.

Alternatively you can make a CHAPS payment through a branch however a fee will apply. Remember to take your debit card and proof of identification with you.

Are the payment limits set per account or per person?

The daily payment limits are set per person not per account i.e. if you set the limit to £2,000, you can not exceed this value in payments daily across all your accounts.

For joint accounts, if a party to the account makes a payment to someone from that account, it will affect the daily payment limit of the other signatories on the account.

Payments made on a Saturday, Sunday or Bank Holiday will form part of the next working day's allowance.