Most salary payments are made automatically using “faster payments” and should appear instantly in your account.
If you pay in cash at a NatWest International branch, it is immediately reflected in your balance and available funds. If you used our counter service then you will see “Teller transaction” on your mini-statement (“CDM [sort code] date/time” if you use a branch deposit machine). The sort code of the branch you used will also be displayed in full online statements on the following business day.
If you pay in a cheque, it will appear in your balance on the following day but your available funds are not increased until the cheque is cleared. This usually takes 3 days.
Cheques can be returned unpaid, so you should allow at least four full working days before you use money from a cheque you've paid in. In some cases, because cheques may still come back unpaid after this time, it may take up to five working days for a cheque to clear and postal delays can extend this period further.
Please note that we are unable to accept:
- deposits made to your account in non-Sterling cheques, international or domestic drafts or travellers cheque deposits from any issuer
- Sterling/GBP cheques issued by a bank or building society branch based outside the UK, Channel Islands, Isle of Man or Gibraltar
Any deposits or credits of this nature that we receive will be returned. We do not issue international draft payments.