How to Cancel NatWest
NatWest accounts can be closed in branch, by phone, or via the Current Account Switch Service. All direct debits, standing orders, and your balance need to be moved before closure.
Steps verified March 2026
Quick Facts
Cancel online?
No — phone/letter required
Pause option?
No
Refund policy
No fees for standard current account closure. Overdraft must be cleared first.
After cancellation
Statements retained for 7 years per regulatory requirements.
What to Watch Out For
- Closure requires phone call or branch visit, no online self-service option
- Retention offers and product reviews used to delay the closure
- Joint account closure requires both parties, adding friction
Cancellation Steps
Go directly to NatWest cancellation pageSet up your new bank account
Open your new account before starting the switch process.
Use CASS through your new bank
Your new bank initiates the switch and handles moving payments across.
Or call NatWest
Phone 03457 888 444 to request account closure directly.
Clear your balance and confirm
Ensure zero balance, no pending transactions, and get written confirmation.
Tips & Things to Know
- If you have a NatWest mortgage or loan, closing the current account does not affect those.
- Joint account holders both need to agree to closure.
- Digital banking access is removed once the account is fully closed.
Your Consumer Rights
- Banks cannot unreasonably refuse to close your account under FCA rules
- CASS guarantees your switch is completed within 7 working days
- You are protected against losses during the switch by the Current Account Switch Guarantee
Frequently Asked Questions
Can I close my NatWest account online?
No, you must call 03457 888 444 or visit a branch. Using CASS via your new bank is easiest.
Does closing my current account affect my mortgage?
No, your NatWest mortgage or loans are separate products and unaffected.
Can one joint account holder close the account?
No, both joint account holders must agree to close the account.
How long does CASS take?
The Current Account Switch Service completes within 7 working days.
Do I get a final statement?
Yes, NatWest will issue a final statement confirming the account is closed.