How to cancel a NatWest credit card without calling

Giving NatWest a call is the easiest way to cancel your credit card, but it's not the sole option available.

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It happens. You got a NatWest credit card a while ago, you believed it was a great deal, but now you’ve changed your mind and want to cancel it.

Most banks don’t give you the chance to cancel your card online because they’d rather have a chat with you first to see if they can offer you a better deal, and NatWest is no exception. But instead of calling, you can send a letter or pop into a branch.

How to cancel your NatWest credit card

The first thing to do is clear the balance on your credit card, so that you don’t owe NatWest any money. If you can’t, you may want to transfer it to a balance transfer credit card that gives you time to pay it off without charging any further interest.

If you have one of NatWest’s rewards credit cards, you may also want to redeem all the points you have earned and treat yourself one last time before leaving.

In order to be able to close the account, you’ll need your credit card and bill for account information. You’ll be asked why you want to cancel it, but you can simply say that you don’t want it anymore.

By phone

You can call NatWest’s credit card services 24/7 at 0370 333 9091 both from the UK and from abroad (adding the +44). It’s a good idea to write down the name and ID number of the representative you speak to, just in case.

Message via Cora online, or in NatWest app

You can contact the NatWest credit card team via secure messaging within your NatWest app or online through Cora, available 24/7. Type ‘Close my credit card’ into Cora and follow the instructions from there.

By mail

If you really don’t want to talk to anyone, you can request the closure of your card by writing a letter and addressing it to Cards Customer Services, PO BOX 5747, Southend On Sea, SS1 9AJ. Sign the letter and also keep a copy for yourself.

In person

You can also cancel your credit card by popping into a NatWest branch, but you’ll need some form of ID.

Will cancelling my NatWest credit card affect my credit score?

It might, although if your credit score is generally good, the change won’t be especially significant.

Whether it has an effect will depend on your credit utilisation ratio. This ratio captures how much of your available credit you are actually using. Using a lot of the credit available to you will have a negative impact on your credit score. With one credit card less, the amount of credit you have available will decrease, so your utilisation ratio may increase in turn, thus (slightly) impacting your credit score.

After cancelling your NatWest credit card

Cancelling your card via phone is usually okay, but in the past there have been cases of people who got stuck with an open account even though they believed it had been closed. To avoid paying unnecessary fees, it’s a good idea to follow up with a cancellation letter, which should include the following:

  • Your name and address
  • Credit card number
  • Date of cancellation and the name and ID of the representative who assisted you
  • Request for an account closure confirmation letter

You can make a copy of your letter and then send it to the following address:

Cards Customer Services
PO BOX 5747
Southend On Sea
SS1 9AJ

Recap: Cancel your NatWest credit card in 4 easy steps

  1. Clear your balance in full.
  2. Cash-in any rewards points you’ve accrued.
  3. Contact NatWest through one of the channels listed above.
  4. Follow up by writing or requesting a letter of confirmation. You may also wish to monitor your credit record.

Can I get my annual fee back?

If your credit card charges an annual fee and you close it halfway through the year, you should be able to get part of it back. NatWest’s terms and conditions say it will refund “a proportionate part of the annual fee”, which means it will give you the fee back for the months during which you won’t be using the card.

My card has been lost/stolen

If you think your card has been stolen, you should call NatWest immediately on 0370 600 0459, or on +44 1268 500 813 if you’re abroad. If you simply need a replacement instead, you can request it from the mobile app or through online banking and it’ll be sent to you within five working days.

Looking for a new credit card?

Table: sorted by representative APR, promoted deals first
1 - 4 of 49
Name Product UKCCF Finder Score Finder score Balance transfers Purchases Annual/monthly fees Representative APR Incentive Link
Santander Everyday No Balance Transfer Fee Credit Card image
3.5
★★★★★
★★★★★
Expert analysis
0% for 12 months
(0% fee)
0% for 3 months reverting to 23.9%
£0
23.9% APR (variable)
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Representative example: When you spend £1,200 at a purchase rate of 23.9% (variable) p.a., your representative rate is 23.9% APR (variable).
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M&S Bank Credit Card Purchase Plus Offer Mastercard image
4.1
★★★★★
★★★★★
Expert analysis
0% for 12 months
(3.49% fee)
0% for 20 months reverting to 24.9%
£0
24.9% APR (variable)
1 point per £1 spent with M&S and 1 point per £5 spent elsewhere. Enjoy 55 days interest free, preferential rates plus no cash advance fee when buying M&S travel money with the card.
Representative example: When you spend £1,200 at a purchase rate of 24.9% (variable) p.a., your representative rate is 24.9% APR (variable).
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HSBC Purchase Plus Credit Card  image
3.8
★★★★★
★★★★★
Expert analysis
0% for 17 months
(3.49%, min £5 fee)
0% for 20 months reverting to 24.9%
£0
24.9% APR (variable)
Get £25 cashback with a new HSBC Purchase Plus Credit Card when you spend or transfer £100+ within 60 days of opening. Offer ends 16th December 2024. Terms apply
Representative example: When you spend £1,200 at a purchase rate of 24.9% (variable) p.a., your representative rate is 24.9% APR (variable). You might get different interest rates and promotional periods to those shown here, because these depend on your circumstances.
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HSBC Balance Transfer Credit Card image
4.0
★★★★★
★★★★★
Expert analysis
0% for 30 months
(3.49% fee, min £5 fee)
0% for 3 months reverting to 24.9%
£0
24.9% APR (variable)
Discounts and exclusive offers for dining experiences, leisure activities and shopping available through HSBC Home and Away.
Representative example: When you spend £1,200 at a purchase rate of 24.9% (variable) p.a., your representative rate is 24.9% APR (variable). You might get different interest rates and promotional periods to those shown here, because these depend on your circumstances.
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1 - 4 of 31
Product UKCCF Finder Score Purchases Balance transfers Annual/monthly fees Representative APR Link Key benefit Representative example
Finder score
0% for 20 months reverting to 24.9%
0% for 12 months
(3.49% fee)
£0
24.9% APR (variable)
Check eligibilityCard details
1 point per £1 spent with M&S and 1 point per £5 spent elsewhere. Enjoy 55 days interest free, preferential rates plus no cash advance fee when buying M&S travel money with the card.
Representative example: When you spend £1,200 at a purchase rate of 24.9% (variable) p.a., your representative rate is 24.9% APR (variable).
Finder score
0% for 20 months reverting to 24.9%
0% for 17 months
(3.49%, min £5 fee)
£0
24.9% APR (variable)
Check eligibilityCard details
Get £25 cashback with a new HSBC Purchase Plus Credit Card when you spend or transfer £100+ within 60 days of opening. Offer ends 16th December 2024. Terms apply
Representative example: When you spend £1,200 at a purchase rate of 24.9% (variable) p.a., your representative rate is 24.9% APR (variable). You might get different interest rates and promotional periods to those shown here, because these depend on your circumstances.
Finder score
0% for 15 months reverting to 23.9%
0% for 15 months
(0% fee)
£3 per month
29.8% APR (variable)
Check eligibilityCard details
Representative example: When you spend £1,200 at a purchase rate of 23.9% (variable) p.a. with a fee of £3 per month, your representative rate is 29.8% APR (variable).
Finder score
0% for 12 months reverting to 24.9%
24.9%
(0% fee)
£0
24.9% APR (variable)
Check eligibilityCard details
Representative example: When you spend £1,200 at a purchase rate of 24.9% (variable) p.a., your representative rate is 24.9% APR (variable).
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1 - 4 of 31
Name Product UKCCF Purchases Annual/monthly fees Representative APR Link Incentive Representative example
M&S Bank Credit Card Transfer Plus Offer Mastercard image
0% for 3 months reverting to 24.9%
£0
24.9% APR (variable)
Check eligibility
1 point per £1 spent with M&S and 1 point per £5 spent elsewhere. Enjoy 55 days interest free, preferential rates plus no cash advance fee when buying M&S travel money with the card.
Representative example: When you spend £1,200 at a purchase rate of 24.9% (variable) p.a., your representative rate is 24.9% APR (variable).
M&S Bank Credit Card Purchase Plus Offer Mastercard image
0% for 20 months reverting to 24.9%
£0
24.9% APR (variable)
Check eligibility
1 point per £1 spent with M&S and 1 point per £5 spent elsewhere. Enjoy 55 days interest free, preferential rates plus no cash advance fee when buying M&S travel money with the card.
Representative example: When you spend £1,200 at a purchase rate of 24.9% (variable) p.a., your representative rate is 24.9% APR (variable).
John Lewis Partnership Credit Card image
28.94%
£0
28.9% APR (variable)
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Earn 2.5% back as points towards gift vouchers on eligible spend at John Lewis and Waitrose in the first 60 days from account opening. Earn 5 points for every £4 spent on eligible purchases at John Lewis and Waitrose and 1 point for every £4 spent elsewhere. 1 point = 1p (min 500pts)
Representative example: When you spend £1,200 at a purchase rate of 28.94% (variable) p.a., your representative rate is 28.9% APR (variable).
American Express® Rewards Credit Card image
30.7%
£0
30.7% APR (variable)
Check eligibility
Earn 1 Membership Rewards® point for every £1 spent thereafter. Earn up to 90,000 bonus points per year through refer a friend, 4,000 points awarded for every friend approved. 1 point = 0.45p (min 1,000 points) to shop, other rewards have differing conversions.
Representative example: When you spend £1,200 at a purchase rate of 30.7% (variable) p.a., your representative rate is 30.7% APR (variable).
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1 - 4 of 28
Name Product UKCCF Finder Score Annual/monthly fees Initial credit limits Minimum income Representative APR Incentive Link
Zable credit card image
3.4
★★★★★
£0
Min. limit £200, max. limit £1,500.
Not specified
48.9%
Representative example: Representative 48.9% APR (variable). Based on assumed borrowing of £1200. Rate of interest 48.9% (variable) annual.
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Yonder 'No Fee' Credit Card image
4.0
★★★★★
£0
Min. limit not specified, max. limit not specified.
£25,000
32.9%
Representative example: When you spend £1,200 at a purchase rate of 32.9% (variable) p.a., your representative rate is 32.9% APR (variable).
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118 118 Money Guaranteed Rate Card image
3.8
★★★★★
£0
Min. limit £500, max. limit not specified.
£8400
49%
Representative example: When you spend £1,200 at a purchase rate of 49% (variable) p.a., your representative rate is 49% APR (variable).
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Vanquis Bank Credit Builder Credit Card Visa image
3.6
★★★★★
£0
Min. limit £500, max. limit £3,000.
Not specified
30.9%
Representative example: When you spend £1,000 at a purchase rate of 30.9% (variable) p.a., your representative rate is 30.9% APR (variable).
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1 - 4 of 8
Name Product UKCCF Finder Score Finder score Purchases Annual/monthly fees Initial credit limits Representative APR Incentive Link
British Airways American Express® Premium Plus Card image
4.0
★★★★★
★★★★★
Expert analysis
30.7%
£300 per annum
Min. limit £700, max. limit not specified.
139.2% APR (variable)
New Cardmembers collect 30,000 bonus Avios when you spend £6,000 in the first 3 months of your Cardmembership. T&Cs Apply, 18+, subject to status.
Representative example: When you spend £1,200 at a purchase rate of 30.7% (variable) p.a. with a fee of £300 per annum, your representative rate is 139.2% APR (variable).
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British Airways American Express® Credit Card image
4.0
★★★★★
★★★★★
Expert analysis
30.7%
£0
Min. limit £700, max. limit not specified.
30.7% APR (variable)
New Cardmembers collect 5,000 bonus Avios when you spend £2,000 in the first 3 months of your Cardmembership. T&Cs Apply, 18+, subject to status.
Representative example: When you spend £1,200 at a purchase rate of 30.7% (variable) p.a., your representative rate is 30.7% APR (variable).
Check eligibility
Virgin Money Virgin Atlantic Reward Plus Credit Card image
4.0
★★★★★
★★★★★
Expert analysis
26.9%
£160 per annum
Min. limit not specified, max. limit not specified.
69.7% APR (variable)
Earn 18,000 bonus points with your first card purchase made within 90 days of account opening. Earn 1.5 Flying Club miles for every £1 spend and 3 miles for every £1 spend with Virgin Atlantic and Virgin Holidays. Spend £10K a year on your card and choose an extra benefit - an upgrade to Premium, or a Companion ticket. Points value varies dependent on reward (min 3000pts)
Representative example: When you spend £1,200 at a purchase rate of 26.9% (variable) p.a. with a fee of £160 per annum, your representative rate is 69.7% APR (variable).
Virgin Money Virgin Atlantic Reward Credit Card image
4.0
★★★★★
★★★★★
Expert analysis
26.9%
£0
Min. limit not specified, max. limit not specified.
26.9% APR (variable)
Earn 3,000 bonus points with your first card purchase made within 90 days of account opening. Earn 0.75 Flying Club miles for every £1 spend and 1.5.miles for every £1 spend with Virgin Atlantic or Virgin Holidays. Spend £20K a year on your card and choose an extra benefit - an upgrade to Premium, or a Companion ticket. Points value varies dependent on reward (min 3000pts)
Representative example: When you spend £1,200 at a purchase rate of 26.9% (variable) p.a., your representative rate is 26.9% APR (variable).
loading
We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms "best", "top", "cheap" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our terms of use. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you. Most of the data in Finder's comparison tables has the source: Moneyfacts Group PLC. In other cases, Finder has sourced data directly from providers.
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Chris Lilly is Head of publishing at finder.com. He's a specialist in personal finance, from day-to-day banking to investing to borrowing, and is passionate about helping UK consumers make informed decisions about their money. In his spare time Chris likes forcing his kids to exercise more. See full bio

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