Score of 93.4/100 qualifies for PaymentCheck Certification
NatWest Group PLC demonstrates a strong payment performance with an average settlement time of just 13 days, well within standard 30-day terms. The overwhelming majority of payments (89%) are completed within 30 days, with the remaining 11% falling into the 31-60 day bracket and no recorded payments exceeding 60 days. This distribution indicates a consistently fast-paying profile with a contained and predictable tail of slower payments.
The 11% late payment rate introduces a modest but manageable level of unpredictability, though the absence of any payments beyond 60 days significantly limits exposure to prolonged cash flow disruption. The concentration of all delayed payments within the 31-60 day band suggests that when delays do occur, they are bounded and unlikely to escalate into serious delinquency. Overall, payment behaviour is highly predictable, with low volatility risk for suppliers operating on standard credit terms.
NatWest Group PLC presents a low-risk payment profile, making it a reliable counterparty for suppliers of all sizes. The 13-day average payment time is notably favourable and should support healthy supplier cash flow in the majority of transactions. As a precaution, suppliers may wish to include clear escalation clauses in contracts to address the minority of invoices that may drift into the 31-60 day window, ensuring timely resolution without impacting the commercial relationship.
| Reporting Period | Filing Date | Average Time to Pay (days) | Paid within 30 days | Paid 31-60 days | Paid after 60 days | Not Paid within Terms |
|---|---|---|---|---|---|---|
| 01 Jul 2025 - 31 Dec 2025 | 02 Feb 2026 | 13 | 89% | 11% | 0% | 11% |
This information is as reported by the business, and responses are in their own words.
Standard payment terms
30 days
Were there any changes to the standard payment terms in the reporting period?
No information available
Any other information about payment terms
NA
Maximum contractual payment period agreed
60
The Business completes the Account Payables Dispute Process form, the business advice the supplier that the invoice will be returned unpaid to them. Once the dispute is resolved, they will be required to submit a new invoice.
Has this business signed up to a code of conduct or standards on payment practices?
For example, signatories to The Prompt Payment Code must commit to paying 95% of their invoices within 60 days.
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Does this business offer e-invoicing in relation to qualifying contracts?
This is where suppliers can electronically submit and track invoices. It's not just allowing suppliers to email them an invoice.
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Does this business offer supply chain finance?
This is where a supplier who has submitted an invoice can be paid by a third-party finance provider earlier than the agreed payment date. The business would then pay the finance provider the invoiced sum.
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Under its payment practices and policies, can this business deduct sums from payments under qualifying contracts as a charge for remaining on a supplier list?
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During the reporting period, did the business deduct sums from payments as a charge for remaining on a supplier list?
No information available
NatWest Group PLC is a publicly listed financial services organisation operating within the United Kingdom. As a public limited company, it is structured to offer shares to the general public and is subject to the regulatory requirements governing publicly traded entities in the UK.
The company is registered in Scotland under company number SC045551 and maintains its registered office at 36 St Andrew Square, Edinburgh, EH2 2YB. NatWest Group PLC was incorporated on 25 March 1968 and remains an active company to this day, representing over five decades of continued operation.
As a major banking and financial services group, NatWest Group PLC operates across a broad range of financial services in the UK market. These services typically encompass personal and business banking, lending, savings and investment products, and financial planning, delivered through a network of branches, digital platforms, and telephone banking channels.
With its headquarters in Edinburgh and a long-established presence in the UK financial sector, NatWest Group PLC is one of the country's prominent banking organisations. Its structure as a public limited company reflects its scale and its obligations to shareholders, regulators, and the wider public it serves across Great Britain and beyond.