Cancellation service N°1 in United Kingdom
Contract number:
To the attention of:
Cancellation Department – Natwest
NatWest Customer Services, PO Box 548
LS1 1WU Leeds
Subject: Contract Cancellation – Certified Email Notification
Dear Sir or Madam,
I hereby notify you of my decision to terminate contract number relating to the Natwest service. This notification constitutes a firm, clear and unequivocal intention to cancel the contract, effective at the earliest possible date or in accordance with the applicable contractual notice period.
I kindly request that you take all necessary measures to:
– cease all billing from the effective date of cancellation;
– confirm in writing the proper receipt of this request;
– and, where applicable, send me the final statement or balance confirmation.
This cancellation is sent to you by certified email. The sending, timestamping and integrity of the content are established, making it equivalent proof meeting the requirements of electronic evidence. You therefore have all the necessary elements to process this cancellation properly, in accordance with the applicable principles regarding written notification and contractual freedom.
In accordance with the Consumer Rights Act 2015 and data protection regulations, I also request that you:
– delete all my personal data not necessary for your legal or accounting obligations;
– close any associated personal account;
– and confirm to me the effective deletion of data in accordance with applicable rights regarding privacy protection.
I retain a complete copy of this notification as well as proof of sending.
Yours sincerely,
16/01/2026
Cancellation Natwest: Easy Method
What is Natwest
NatWest is a UK-based retail and commercial bank offering personal, business and digital banking services, including mobile apps and payment services. While NatWest’s operations are based in the UK, many customers access its digital services from abroad; cancellation and dispute procedures are governed by NatWest’s terms and the payment route used (merchant, card network, App Store/Play Store or variable recurring payments).
How to cancel Natwest
- Via the NatWest mobile app: Open the app → Payments → Regular Payments → Subscriptions; select the company → tap "Cancel subscription" to be linked to the merchant’s app or website (if supported). If the app links you through, complete cancellation with the merchant. If the purchase was made via Apple App Store or Google Play, cancel in Apple’s iOS Settings (Apple ID → Subscriptions) or Google Play Store (Profile → Payments & subscriptions → Subscriptions). Note: stopping a payment in the app does not necessarily end your contract with the merchant - follow merchant cancellation terms. For scheduled one‑off payments: open the app → Payments → Payment Settings → Scheduled payments → pick the scheduled payment → tap "Cancel Payment" → confirm.
What happens when you cancel
When you cancel a subscription or scheduled payment via the app, future payments should stop, but cancelling a payment method or stopping the payment does not automatically terminate the service contract with the merchant. You may still be liable under the merchant’s terms for any notice period or renewal obligations. Access to services you paid for can be suspended or removed by the merchant even if a payment is blocked. NatWest will retain transaction records and account information according to its data-retention policies and legal requirements; request details from NatWest if you need copies or confirmation of cancellation.
Will I get a refund?
Refunds depend on how the payment was taken and the merchant’s refund policy. For Variable Recurring Payments (VRPs) charged in error (wrong amount, double charge, outside the permissions, or after a mandate was cancelled), first raise the issue with the merchant; if unresolved, escalate using NatWest’s Cora chat or support channels to request a VRP refund. For retailer refunds, NatWest notes that it can take up to 15 days for a refund to appear; if no refund appears after 30 days, NatWest may assist with a dispute but will require evidence such as transaction details and a refund receipt. If the payment was processed through Apple or Google, refunds and cancellations often must be handled through those stores per their policies.
Natwest plans and pricing
| Plan | Price | Period | Features |
|---|---|---|---|
| NatWest ClearSpend App | C$0.00 | One-time download (free) | Business Commercial Card management, real-time balance, transaction control |
| NatWest Bankline Mobile App | C$0.00 | One-time download (free) | Business payments approval, view accounts, mobile biometric access |
Your consumer rights in Canada
Consumer protections in Canada are governed by a mix of federal and provincial laws and differ by province and by the type of product or service. There is no single, Canada‑wide “cooling‑off” rule that applies to all banking or subscription services; banks and financial services may be subject to specific rules enforced by the Financial Consumer Agency of Canada (FCAC). If you are dealing cross-border (UK bank, Canadian resident), your rights will be shaped by NatWest’s contract, the payment route used (card network rules, App Store/Play Store policies, or VRP mandates) and applicable provincial consumer protection statutes. If you believe a financial service provider has treated you unfairly, you can contact the FCAC and, if relevant, your provincial consumer protection office for guidance on complaint escalation.
Customer experiences
Customer reviews for NatWest are mixed. Positive reports highlight helpful personalised support such as video appointments with experienced bankers and professional complaint handling that led to satisfactory outcomes and compensation. Negative feedback commonly mentions long wait times, difficulty reaching helpful staff, chatbot loops, app glitches, login problems and delays or paperwork when handling business accounts. These mixed experiences suggest that while issues can be resolved well in some cases, patience and careful documentation are often required when escalating disputes.
Documentation checklist
- Personal ID (as required), account number, transaction date and amount, merchant name; copies/screenshots of subscription pages or renewal notices; any cancellation confirmations from the merchant; refund receipts or merchant communications; screenshots of scheduled payments in the NatWest app; dates and transcripts (or screenshots) of chats or calls with NatWest or merchant; if sending written notice, proof of postage/registered post receipt.
Common mistakes
Users commonly assume that stopping a payment in the NatWest app automatically ends their contractual obligation to the merchant; it often does not. Another frequent error is failing to cancel via the platform used to make the purchase - purchases made through Apple or Google typically require cancellation through those stores, not via the bank. Expecting instant refunds is another mistake: merchant refunds can take up to 15 days to post and may require escalation if delayed. Finally, not keeping written evidence of cancellation attempts or not using a method that provides proof of delivery (for formal notices) weakens your position if you need NatWest to assist.
Comparative recap
| Method | Refund | Difficulty |
|---|---|---|
| Mobile app - Subscriptions | Depends (must often contact merchant; VRP disputes possible via NatWest) | Low - Medium (app workflow exists but may redirect to merchant) |
| Mobile app - Scheduled one‑off payment | No refund (cancels future payment; refund only if merchant returns funds) | Low (direct cancel option in app) |
| Direct with merchant | Depends on merchant policy; best for immediate service termination and refund requests | Medium (requires merchant responsiveness) |
| App Store / Google Play | Depends on store policy; refunds handled by Apple/Google | Medium (must use store interfaces) |
After cancelling
After you cancel, keep confirmation emails, screenshots of the cancelled subscription or scheduled payment, and any merchant correspondence. If a refund is due and does not appear within 15 days, follow up with the merchant; if unresolved after 30 days, contact NatWest with full documentation so they can investigate. For VRP disputes you should first contact the merchant and then use NatWest’s Cora chat or support channels if the merchant does not resolve the issue. For guidance or to escalate a complaint in Canada consider contacting the Financial Consumer Agency of Canada at https://www.canada.ca/en/financial-consumer-agency.html. Useful NatWest support pages: Cancel a subscription via the app, Cancelling a scheduled payment, and VRP refunds.
Address
For formal written notices or if you wish to send proof of cancellation by registered post, send to:
NatWest Customer Services, PO Box 548, Leeds, LS1 1WU
Tip: Send by registered post (raccomandata A/R) or equivalent to obtain proof of delivery and to establish an effective cancellation notice.