Part of our NatWest — Complete Guide 2026 hub.
NatWest’s standard daily ATM withdrawal limit is £300, which applies to most personal current accounts. If you regularly need more cash, you can adjust this in the NatWest app in under a minute. Here’s everything you need to know about NatWest cash limits, fees, and what to do if you need access to more money quickly.
NatWest ATM Withdrawal Limits at a Glance
| Detail | Information |
|---|---|
| Standard daily ATM limit | £300 |
| UK ATM fee | Free |
| Overseas ATM fee | 2.75% (minimum fee applies) |
| Contactless limit | £100 per transaction |
| Limit reset time | Midnight each day |
| Adjust via | NatWest app or phone |
How to Check Your NatWest ATM Limit
Your current ATM limit is visible in the NatWest app:
- Open the NatWest app and sign in
- Tap your current account
- Select Manage card
- Tap Spending limits
Your daily ATM withdrawal limit and contactless limits are both shown here. You can see how much of your limit you’ve used today.
Alternatively, log in to NatWest Online Banking and navigate to your card settings.
How to Increase Your NatWest ATM Limit
NatWest lets you increase your ATM limit directly through the app — you don’t need to call or visit a branch. The maximum you can increase to depends on your account type and credit history with NatWest.
To increase your limit:
- Open the NatWest app
- Go to Manage card → Spending limits
- Tap on ATM withdrawal limit
- Use the slider or enter a new amount
- Confirm with your app passcode or biometrics
Changes are typically instant. You can also call 03457 888 444 (lines open 24/7) if you’d prefer to speak to someone.
Temporary vs Permanent Increases
- Temporary increase — useful for a one-off large withdrawal, such as buying a car privately or accessing cash for a holiday. You can set a date for it to revert automatically.
- Permanent increase — if your needs have changed and you regularly require more cash, set a higher permanent limit within your allowed maximum.
NatWest ATM Fees
Within the UK, NatWest does not charge for ATM withdrawals. Most UK cash machines are free to use, though some independent ATMs (often found in petrol stations or convenience stores) charge their own fee of typically £1.50–£1.99 — this is charged by the ATM operator, not NatWest.
Abroad, NatWest charges a 2.75% non-sterling transaction fee on the amount withdrawn. This applies in all currencies outside the UK. There is typically a minimum charge, so even small withdrawals overseas attract a fee.
If you regularly travel, you may be better served by an account that offers fee-free overseas withdrawals:
- Starling Bank — no fees on overseas ATM withdrawals up to £300/month (then 0.5%)
- Chase UK — no fees on overseas withdrawals up to £1,500/month
- Nationwide FlexPlus (paid account) — fee-free worldwide withdrawals included
NatWest Contactless and Card Spending Limits
Your ATM daily limit is separate from your card spending limit. NatWest’s contactless limit follows the UK standard of £100 per tap. Your daily card spending limit (for chip and PIN purchases) is generally higher than your ATM limit and can also be adjusted in the app.
If a card payment is declined despite having funds, it may be because you’ve hit a daily spending cap rather than an ATM-specific limit. Check the app to see which limit has been reached.
What to Do If You Need Cash Urgently
If you’ve hit your daily limit and need more cash:
- Call NatWest on 03457 888 444 and request a temporary limit increase — they can authorise this over the phone with identity verification
- In-branch — visit a NatWest branch with valid photo ID to withdraw larger amounts over the counter (no ATM limit applies to counter withdrawals)
- Cashback at a supermarket — some retailers offer up to £100 cashback when you make a purchase, which doesn’t count towards your ATM limit
NatWest ATM Limit vs Other UK Banks
| Bank | Standard Daily ATM Limit |
|---|---|
| NatWest | £300 |
| Barclays | £300 |
| Lloyds | £300 |
| HSBC | £300 |
| Santander | £300 |
| Nationwide | £300 |
| Starling | £300 |
Most high-street banks set the same default of £300. The difference is how easy each bank makes it to increase the limit — NatWest’s in-app adjustment is one of the more straightforward options available.