How to File a Chargeback with NatWest
Everything you need to dispute a transaction with NatWest, including the best method, required documents, and expected timelines.
0345 788 8444
10 working days
Online, Phone
Step-by-Step Chargeback Process
Contact NatWest via Online or Phone
Explain the transaction you want to dispute and the reason
Provide all required documentation (see below)
NatWest will investigate and may issue a provisional credit
Wait for the investigation outcome (typically within the stated timeline)
If your chargeback is rejected, consider Section 75 (credit cards) or the Financial Ombudsman
Required Documents
- Transaction details
- Description of issue
- Attempts to resolve with merchant
- Evidence (receipts, tracking, photos)
Tips for NatWest
- •Also covers RBS and Ulster Bank
- •NatWest has an online dispute form in internet banking
Section 75 vs Chargeback
If you paid with a credit card and the transaction was between £100 and £30,000, you may have a stronger claim under Section 75 of the Consumer Credit Act 1974. This makes NatWest jointly liable with the merchant.
Chargeback is useful for debit card purchases or credit card purchases under £100, where Section 75 doesn't apply. You can submit both a Section 75 claim and a chargeback simultaneously.
Frequently Asked Questions
How do I file a chargeback with NatWest?
You can file a chargeback with NatWest via Online, Phone. Call 0345 788 8444 to speak to their disputes team.
How long does a NatWest chargeback take?
10 working days
What documents do I need for a NatWest chargeback?
Transaction details. Description of issue. Attempts to resolve with merchant. Evidence (receipts, tracking, photos)
Need Help With Your NatWest Chargeback?
Frank can build your chargeback evidence pack, draft dispute letters, and guide you through the entire process.
Let Frank build your chargeback case