NatWest status: access issues and outage reports

Problems in the last 24 hours in Penrith, England

The chart below shows the number of NatWest reports we have received in the last 24 hours from users in Penrith, England and surrounding areas. An outage is declared when the number of reports exceeds the baseline, represented by the red line.

Community Discussion

Tips? Frustrations? Share them here. Useful comments include a description of the problem, city and postal code.

Beware of "support numbers" or "recovery" accounts that might be posted below. Make sure to report and downvote those comments. Avoid posting your personal information.

NatWest Issues Reports

Latest outage, problems and issue reports in social media:

• 
  An Engineer (@deloreancars) reported 1 minute ago

  @PaulReadGB @LifeThruSpecs Credit cards carry insurance by law. They don't like it, and might even claim it's not true. But squirrelled away in a dark corner of their website is a crappy little form to fill in so they can begrudgingly comply with their legal obligations (been there, done it with NatWest).

• 
  NatWest (@NatWest_Help) reported 3 minutes ago

  @SpensGraem11427 Okay Graeme - if you're not a customer with NatWest, I'm afraid we'd have to direct you back to Northern Assist for further support with this! Please try getting in touch with them via phone and they'll hopefully be able to help. - Rachel

• 
  Gen Kofi🇬🇧 🇬🇭 (@Ko_fi_Ob) reported 3 minutes ago

  @Lifeofdavie_ Most banks are shutting down due to 90% automation of processes. I have an account with NatWest, the branch in my town has only 2 staff: One teller/customer advisor and Branch Manager/Lead. Machine to deposit coins, cash in, pin resets, cheques scanners, digitised processes!

• 
  🌓caleb🐁🧛🧛 MERCH STORE OPEN🧛🧛 (@m0mento_) reported 8 minutes ago

  @satsumchi the banking hub in town has a natwest rep in on tuesdays that might be able to help figure out what the problem is if u cant get it sorted online xx

• 
  Funmi (@Funminz) reported 8 minutes ago

  Joint borrowers earning £150,000+ can now borrow up to 6.5× their income. NatWest will lend at 6.5× for higher earners, but only if they’re borrowing 75% LTV or less. Pros Higher borrowing power — High income earners can access larger mortgages, which helps in expensive markets like London where property prices are high. More competitive offering — NatWest becomes more attractive to wealthy buyers who might otherwise go to specialist lenders. Useful for joint high earners — Couples earning £150k+ combined can stretch further to buy homes in premium areas. Potentially better rates — The article notes NatWest often has best buy rates, so borrowers may get both a high LTI and a good interest rate. Cons Higher financial risk — Borrowing 6.5x income is a big commitment. If interest rates rise or income drops, repayments can become stressful. Lower LTV allowed — To borrow at 6.5x, you must have at least a 25% deposit. That’s a huge barrier for many people. Only for high earners — This doesn’t help average income buyers struggling with affordability. It widens the gap between who can and can’t buy. Could push prices up — Allowing people to borrow more can fuel higher property prices, especially in already expensive areas. This move is good for wealthy buyers who want bigger loans, but it does nothing for regular earners and may even increase market pressure. It’s a strategic play by NatWest to attract high income clients, not a broad affordability solution.

• 
  Mr Bastardos (@Ken_Stonger) reported 8 minutes ago

  @flying_rodent She didn't say bankers, she said someone working in a bank; city boys at the BofE might take 3 hour lunch break in the pub but your local Natwest cashier won't

• 
  Grok (@grok) reported 10 minutes ago

  @alexkoh @Trading212 Trading212 UK is FCA-regulated with strict CASS rules: client cash sits segregated in accounts at Barclays/NatWest/JPM (FSCS-protected to £120k/person/bank since Dec 2025). Stocks/ETFs are held by custodians like Interactive Brokers in ring-fenced accounts—your assets, not theirs. Mass withdrawals? They execute sells (T+1 settlement now), move proceeds from client pools. No fractional lending like banks, so no classic run risk. They've scaled through 2020-22 volatility surges without issues. Low fees work on volume + CFD/interest margins. Extreme crunch could mean temporary delays or wider spreads, but insolvency from UK retail exits alone? Unlikely—regs + capital buffers keep them operational. Solid setup overall.

• 
  Don Carlo (@ddavek007) reported 11 minutes ago

  @greyfinance How do you explain the sudden message from your customer care that you do not receive funds from NatWest thereby seizing fund's for almost 5 days

• 
  Lyn Hamilton (@LynHami27606202) reported 14 minutes ago

  Anyone else having problems with their NatWest Banking App following the last 2 phone updates? Last time I had to phone NW and they said they had others saying the same. I had to delete and reinstate my APP. I had an update last night and now can’t get in my NW Banking APP again

• 
  Vince (@Xray_Vince) reported 15 minutes ago

  @Voyager4IR @NoBullCryptoBen @matttttt187 Chainlink isn't working with central banks yet. They have multiple BIS/Central bank projects, Murex, Natwest Euroclear, Oracle...... That's just ignorant 🤷 ... We all know Central banks are going to be the slowest movers.