Statement of Fees

National Westminster
JOSEPHILLINGWORTHGAY
BLAIRCASTLEKENNELS2 Bank Plc
BLAIRATHOLL,PITLOCHRY 13 Boothferry Road
PERTHSHIREANDKINROSS Goole
PH185TX East Riding of Yorkshire
DN14 5DG
www.natwest.com
0345 788 8444

Account NATWEST ADAPT

Account identification 544128 48653764

GB84NWBK54412848653764
NWBKGB2L

Period From 04th August 2019 to 03rd August 2020

Date 05th August 2020

This document provides you with an overview of all the fees for services linked to your payment
account during the period shown above.
It also informs you about any interest you may have paid or earned during this time.
Information on individual transactions and account balance can be found on your account
statements.

Summary of fees and interest

Total fees paid (total package of services fees and total fees paid) £0.00

Total interest paid interest not applicable

Total interest earned £22.30

SOF001
Page 1 National Westminster Bank plc. Registered in England and Wales No. 929027. Registered Office: 250 Bishopsgate, London EC2M 4AA.
Financial Services Firm Reference Number 121878. Authorised by the Prudential Regulation Authority and regulated by the Financial
Conduct Authority and the Prudential Regulation Authority. NWB8223
Detailed statement of fees paid on the account

Service Fee
Number Number
of times of times
Service the Unit fee the fee Total
service was
was charged
used
General account services

Maintaining the account

Adapt
Monthly Account Fee £0.00 Fee not £0.00
charged

Payments (excluding cards)

Direct Debit £0.00 Fee not £0.00

charged
Sending money within the UK
Faster Payment (pounds) £0.00 Fee not £0.00
charged

Cards and cash

Cash withdrawal in pounds in the UK £0.00 Fee not £0.00

charged

Debit card payment in pounds

Within the UK £0.00 Fee not £0.00
charged

Total fees paid £0.00

Detail of interest paid on the account

Interest Interest
rate

NATWEST ADAPT
Arranged Overdraft

interest not
Total interest paid
applicable

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Detail of Interest earned on the account

Interest Interest
rate

Adapt
- £22.30

Total interest earned £22.30

Additional information
If you hold a joint account, each person named on the account will receive a Statement of Fees
in their own name (this may be paper or electronic depending on the account holder’s
preferences). Please note that accounts in joint names will not be charged twice for any
service displayed on this Statement of Fees.
Please note that any fee refunds, waivers or reversals that have been applied to your account
are not documented on the Statement of Fees.
Please note that fees from your previous product may be applied.
Promotional offer rates will not be displayed, the amount you paid is accurately reflected.
You will not be charged for ATM transactions using RBS Group ATMs, including Ulster Bank
ATMs in the Republic of Ireland. If you use an RBS Group ATM, it will not be recorded in this
Statement of Fees.
If you have changed account type during the Statement of Fees period you may see a
difference in your used and charged fees or a pro-rata or partial fee applied.
You may see an inconsistency between the figures in the 'Number of times the service was
used' and the 'Number of times the fee was charged' columns.This can be for the following
reasons:
1. Some charges are applied the following month (i.e. if you use your service in
September, it may be charged in October.)
2. If a waiver was applied to the account.
3. If you have changed your account over the past year. Sometimes this may appear
as 'pro-rata' or that a partial fee has been applied.
For more information on the Statement of Fees visit natwest.com/statement-of-fees.

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 Here’s a reminder about what you could be charged for unarranged overdrafts
1. Unarranged overdraft interest
Unarranged overdraft interest is calculated on the daily overdraft balance (including overdraft interest) on your account.
We don’t charge unarranged overdraft interest on any part of an unarranged overdraft balance which represents an
Unpaid Transaction Fee.
Any unarranged overdraft created on your account will be charged at the following rates:
Account Nominal Nominal EAR % Maximum
Monthly Rate % Annual Rate % monthly charge
Adapt, Student, Foundation, Basic, 0.0 0.0 0.0 £0.00
Tailored and Select with Overdraft Control
Graduate, Select, Reward, Select Silver, 2.81 33.75 39.49
Reward Silver, Select Platinum and Black
£17.25
Premier Select and Reward Black 1.50 17.94 19.49

2. Unpaid Transaction Fees

Fee When could it be charged? Amount Maximum monthly charge

Unpaid Transaction Fee If you instruct a payment that would £2.75 1 fee per charging period (£2.75)
create an unarranged overdraft and we
refuse the payment due to lack of funds
Unpaid Transaction Fees may be charged on all accounts except Adapt, Foundation, Basic and Select with Overdraft
Control, which won't be charged this fee.
The monthly cap on unarranged overdraft charges is £20.
1. Each current account will set a monthly maximum charge for:
(a) going overdrawn when you have not arranged an overdraft; or
(b) going over/past your arranged overdraft limit (if you have one).
2. This cap covers any:
(a) interest and fees for going over/past your arranged overdraft limit;
(b) fees for each payment your bank allows despite lack of funds; and
(c) fees for each payment your bank refuses due to lack of funds.
We'll only change our fees or terms if we have a valid reason and we'll always explain in advance. If we increase our
charges like those detailed in this letter, we'll always provide you with at least 60 days' notice.
And remember…
To help manage your money, you can:
- Use our easy and simple mobile banking app to manage your money on the go and check on recent transactions.
Go to www.natwest.com/mobile to find out more. The app is available to Online Banking customers with a UK or
international mobile number in specific countries.
- Look out for alerts to help manage your account. Make sure your mobile number and email address are up to
date so that we can send these to you.
- Take advantage of Overdraft Control, which is available on our Select Account and can help you avoid
charges by stopping, where possible, any payment that would take you into an unarranged overdraft.
There’s more information on our website.
- Use Open Banking – this allows you to provide banks and other online providers with secure access to your
account information that can then help you manage your current accounts in a way that suits your needs.
If you’d like more information about Open Banking you can visit our website.
It's important that you regularly review your account to ensure it meets your needs and remains suitable for you. If you'd
like to convert to another account or close your account altogether, let us know and we’ll help you with that. If you’d
prefer to take an account with another provider, you can use the Current Account Switch Service (CASS) which offers a
secure and easy way to switch in 7 days.
As part of a regulatory requirement, an independent service quality survey was conducted to ask customers of the 16
largest personal current account providers if they would recommend their provider to friends or family. NatWest ranked
6th and the results of this survey can be found on our home page at www.natwest.com.

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