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Struggling financially

Important life events

We're here to support you

Having money worries?
Struggling with payments and debts?

You've come to the right place. Now let's find you the help you need to get back on track...

Information to help with your accounts. Open in new window

How we can support you further Open in new window

Free, confidential advice Open in new window

FAQs Open in new window

Help with your accounts.

If you’re struggling to keep on top of things financially, we’ve got a range of support and online tools that could help. You can manage all your accounts quickly and efficiently here, get help with budgeting or combine all your debts into one single payment.

Manage your current account Open in new window

Manage your loan account Open in new window

Manage your credit card Open in new window

Manage your mortgage Open in new window

How to get by on less Open in new window

Consolidate your debts Open in new window

Check benefit eligibility Open in new window

Help with your accounts

If you've missed a payment on your loan, mortgage or credit card (or know you're about to) or if you are struggling with your current account or overdraft, please tell us as soon as possible so we can support you.

Get started

Have you overspent or missed a payment?

Please only answer ‘Yes’ if you’ve already missed a payment on a loan, credit card or mortgage, you’re overdrawn with no overdraft limit or you’re over an agreed overdraft limit already. Otherwise, please select ‘No’

Please choose an option below to continue

Yes

Which account do you need help with?

Please select the account you need help with

Please choose an option below to continue

Loan

Mortgage

Credit Card

Current account / overdraft

I need help with more than one of these accounts

What would you like to do?

If you can pay now, please do – as the sooner this is sorted out the better. If not, you can reach out for some help.

Please choose an option below to continue

Want to pay now? We’ll show you how

Can’t pay now? Explore your options

Get some free, independent debt advice

How to pay

You can pay using your mobile app. Select the loan account you’ve missed a payment for and then choose the option ‘Pay off arrears’.

Chat to Cora

If you’re struggling with your accounts, please reach out to us using the ‘Chat to Cora’ button at the bottom right of this page.

Depending on your situation, the chat will lead you to the best solution and if needed, connect you to one of our colleagues who will be able to support you.

Free, confidential advice

As well as speaking to us, you may like to get some free, independent advice. There are lots of debt advice organisations and charities out there who offer free, confidential support. They can work with you put together a personalised action plan to help you get back in control.

Here's a list of charities that may be helpful to you.

What would you like to do?

If you can pay now, please do – as the sooner this is sorted out the better. If not, you can reach out for some help.

Please choose an option below to continue

Want to pay now? We’ll show you how

Pay before next repayment date

Can’t pay now? Explore your options

Get some free, independent debt advice

How to pay

The simplest and quickest ways to pay are using the mobile app or Digital banking.

For mobile:

•Select your mortgage account

•Tap Manage a missed payment

Digital

•Select ‘Manage Your Mortgage’

•Scroll down to Make a missed payment

Select for more details on how to register and use mobile and Digital banking.

Here's what to do next

Tell us when you plan to make this payment so that one of our team can note this on your account. This will stop us contacting you unnecessarily.

Here's how to do this:

Select the 'Chat to Cora' button on the bottom right of this pat.
Type in the keyword 'Webchat5'
Cora will guide you to make an agreement to pay

Our team are available to chat between Monday to Friday : 9am to 5pm.
Visiting this page outside those hours, send a message and we will come back and tell you by text when we've responded.

Chat to Cora

If you’re struggling with your accounts, please reach out to us using the ‘Chat to Cora’ button at the bottom right of this page.

Depending on your situation, the chat will lead you to the best solution and if needed, connect you to one of our colleagues who will be able to support you.

Free, confidential advice

As well as speaking to us, you may like to get some free, independent advice. There are lots of debt advice organisations and charities out there who offer free, confidential support. They can work with you to put together a personalised action plan to help you get back in control.

Here's a list of charities that may be helpful to you.

What would you like to do?

If you can pay now, please do – as the sooner this is sorted out the better. If not, you can reach out for some help.

Please choose an option below to continue

Want to pay now? We’ll show you how

Can’t pay now? Explore your options

Get some free, independent debt advice

How to pay

You can pay using your mobile app. Select the credit card you’ve missed a payment for, then choose the option ‘Pay my card’ and follow the instructions.

You can also pay via Digital Banking by selecting ‘Pay credit card’ on the right-hand side of your credit card account info. You can click the button below to log in.

Chat to Cora

If you’re struggling with your accounts, please reach out to us using the ‘Chat to Cora’ button at the bottom right of this page.

Depending on your situation, the chat will lead you to the best solution and if needed, connect you to one of our colleagues who will be able to support you.

Free, confidential advice

Here's a list of charities that may be helpful to you.

What would you like to do?

If you can pay now, please do – as the sooner this is sorted out the better. If not, you can reach out for some help.

Please choose an option below to continue

Want to pay now? We’ll show you how

Can’t pay now? Explore your options

Get some free, independent debt advice

How to pay

You can make this payment through your mobile app: Log into the NatWest app and tap on the account you want to transfer the money from, then ‘make a transfer’ and select your overdraft account.

You can also do this via Digital Banking by selecting “Make a payment” on the right hand side of your current account information.

You can log in to Digital Banking following the link below.

Chat to Cora

If you’re struggling with your accounts, please reach out to us using the ‘Chat to Cora’ button at the bottom right of this page.

Depending on your situation, the chat will lead you to the best solution and if needed, connect you to one of our colleagues who will be able to support you.

Free, confidential advice

Here's a list of charities that may be helpful to you.

Here's what to do next

If you have missed a payment on more than one of your accounts , please reach out to us using the ‘Chat to Cora’ button at the bottom right of this page.

Depending on your situation, the chat will lead you to the best solution and if needed, connect you to one of our colleagues who will be able to support you.

What would you like to do?

Please choose an option below to continue

Explore options if you’re having money worries

Get some free, independent debt advice

Let us know you're going to miss a payment

Help with money troubles

If things are tight and you're worried about managing your money, there's support available depending on your circumstances. Please check out the information above for the account you're struggling with to find out more.

Free, confidential advice

Here's a list of charities that may be helpful to you.

Please call us asap

If you know you’re going to miss an upcoming payment, please give us the heads-up by calling us on one of these numbers.

Mortgages: 0800 051 0438 (Relay UK 18001 0800 051 0438)

Loans: 0800 068 9790 (Relay UK 18001 0800 068 9790)

Credit Cards: 0800 161 5987 (Relay UK 18001 0800 161 5987)

Free, confidential money advice

If you're struggling to pay your rent, mortgage or household bills, or you're worried about your debts, you may like some free independent advice.

We work with PayPlan ®

We partner with a debt advice organisation called PayPlan, whose friendly service is completely free of charge. They offer support on debt advice, debt solutions and budgeting.

Common signs you might need some help.

You regularly spend more than you earn
Your debts feel like a huge burden
You're going through a difficult life situation
You're being chased about money you owe
Your cards are at their maximum credit limit

Contacting PayPlan

You can contact Payplan by phone or online 24/7

Access help from PayPlan ® Open in new window

Helpful organisations and charities

There are lots of debt advice organisations out there who offer free, confidential support for people with money worries. They can work with you to put together a personalised action plan to help you get your finances back on track. We’ve listed some of the main organisations and charities below with a description of what support they can offer. Information on opening times and ways to contact are available on the links below.

Citizens Advice
Citizens Advice are a national charity and network of local charities who offer confidential advice online, over the phone, and in person. They offer free, impartial, independent advice on debt, benefits, housing, legal matters, employment and general consumer advice.

Money Helper
Money Helper brings together the support and services of three government-backed financial guidance providers: the Money Advice Service, the Pensions Advisory Service and Pension Wise. They offer guidance online, over the phone and face-to-face providing support on debt, how to reduce spending and build up savings. They also offer help on redundancy, relationship breakdown or bereavement and how to find out about extra benefits and entitlements.

Shelter
Shelter help people facing urgent housing issues, give advice, information and provide support.

Information Message

StepChange
StepChange are a charity who offer free, flexible debt advice using an online debt advice tool or by speaking to someone.

National Debt Line
National Debt Line are an independent debt advice charity run by the Money Advice Trust. They offer free and confidential advice on debt solutions, dealing with bailiffs, creditors, credit score problems, court action and cost of living.

Money Wellness
Money Wellness are one of the largest providers of debt advice and debt solutions in the UK. They offer free and confidential advice online and over the phone. Every day, they support people up and down the country with budgeting, benefit checks, dealing with bailiffs and negotiating lower monthly debt repayments.

Information Message

Frequently asked questions

I have multiple accounts I am struggling with, what do I do?

If you have multiple accounts with us that you are struggling with, you will need to get in touch either by phone or by talking to us using the 'Chat to Cora' button (bottom right of this page) to get the conversation started. Or you can reach us through your mobile app – tap ‘Help’ to message us and chat to Cora, type in 'Struggling financially' to get you to the right place.

To give you the best possible help, we’ll need to know a little about your current situation. We’ll ask you what money you have coming in and going out each month, so we can work with you to try to bring your accounts back inside your agreed limits.

What if I need support and adjustments to help me manage my accounts?

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 Digital Banking. More information on this service is available here.

What if I have been affected by divorce or separation?

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.

What support is available if I've been affected by a bereavement?

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.

What can I do if I am 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.

I am worried about gambling, can you help?

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.

How can we help with 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.

How may support from the Bank affect me now and in the future?

The total cost of your borrowing may be affected.
You're charged interest on the balance of the borrowing you have with us, therefore if you miss payments or do not make payments on time, or if you're overdrawn on your agreed overdraft, the balance will be higher than it should be, and interest costs may increase over time.

Credit files can be impacted.
Depending on your particular situation, your credit file may be affected by missed or late payments on your loan, mortgage or credit card – or if you’re continuously overdrawn beyond your agreed overdraft.
The info we report to credit reference agencies will vary depending on your payment history or if you’ve made a repayment plan with us which you’re sticking to. If you haven’t made a contractual or repayment arrangement, then a missed payment may be registered on your credit file. See our credit scoring guide to find out more.
To get up-to-date information on your credit report please refer to one of the three main agencies in the UK: Equifax, Experian or TransUnion.

Does what I tell you now get used in the future?
Once your accounts are back on track and remain that way, previous conversations about money worries are not referred back to when you ask for any new products or services.

A missed payment can impact you now and for up to six years, so we urge you to get in touch with us to understand your current position. You can talk to us straight away by using the 'Chat to Cora' button (bottom right of this webpage) to get the chat started. Or you can reach us through your mobile app – tap ‘Help’ to message us and chat to Cora, type in 'Struggling financialy' to get the chat started.

When I contact you what information will I need?

We will need to understand your current circumstance and any changes which you are aware of. We may also need to understand what money you have coming in and outgoings, to understand what is affordable. If you have this information available it will help us understand how we can support you.