🕷️ Crawler Inspector

URL Lookup

Direct Parameter Lookup

Raw Queries and Responses

1. Shard Calculation

Query:

Response:

Calculated Shard: 40 (from laksa157)

2. Crawled Status Check

Query:

curl -X POST \
  'http://laksa040.int.ahrefs:8124/' \
  -H 'Content-Type: text/plain' \
  -H 'X-ClickHouse-Database: crawler3' \
  -H 'Authorization: Basic YXBpOg==' \
  -d 'SELECT getAhrefsURLFromUnparsed(src_unparsed) AS found_url, ifNull(toUnixTimestamp(download_stamp), 0) AS crawl_time, ifNull(toUnixTimestamp(props_url_first_seen), 0) AS first_indexed_time, download_http_code AS http_code, src_unparsed AS src_unparsed, src_root_hash AS src_root_hash, history_drop_reason AS history_drop_reason, meta_title AS meta_title, meta_descriptions AS meta_descriptions, attrs_boilerpipe_text AS attrs_boilerpipe_text, attrs_markdown AS attrs_markdown, attrs_readable_markdown AS attrs_readable_markdown, meta_canonical AS meta_canonical FROM crawler3.page_info_local FINAL PREWHERE (src_root_hash, src_unparsed) IN ((getAhrefsRootHashFromUnparsed(getAhrefsUnparsedNoserviceFromURL(\'https://www.natwest.com/life-moments/managing-your-money/top-money-saving-tips.html\')), getAhrefsUnparsedNoserviceFromURL(\'https://www.natwest.com/life-moments/managing-your-money/top-money-saving-tips.html\'))) FORMAT JSONEachRow'

Response:

{"found_url":"https:\/\/www.natwest.com\/life-moments\/managing-your-money\/top-money-saving-tips.html","crawl_time":1775532636,"first_indexed_time":1632799110,"http_code":200,"src_unparsed":"com,natwest!www,\/life-moments\/managing-your-money\/top-money-saving-tips.html s443","src_root_hash":"9676120096497499240","history_drop_reason":null,"meta_title":"10 ways to help you save | Managing your money | NatWest","meta_descriptions":["From reviewing your direct debits to switching energy supplier, there are lots of great ways you could save money each month."],"attrs_boilerpipe_text":"From reviewing your direct debits to switching energy supplier, there are lots of great ways you could save money each month. It might help give you a bit of extra cash to save for a rainy day. Here's some of our top tips.\n1. Set a budget\nA good habit is to set a monthly budget to plan your spending. It could help you spend less and save more. With the NatWest app, you could \ncategorise your current account transactions\n (e.g. household bills, groceries, eating out, travel, etc) to give you a more detailed picture of where you spend your money and help you to spot opportunities to save each month or even \ndonate to charity\n.\nOur App can be used on compatible iOS and Android devices. You'll need a UK or international mobile number in specific countries. Spending Tracker is available to customers aged 16+ who have a Personal or Premier account with us.\n3. Save money on frequent travel\nTaking the train to work everyday? Or maybe you're a regular on your local bus route? If you're buying tickets on the day, you might be spending more than you need to. Check with your travel company to see if they offer discounted digital tickets, weekly or monthly passes or season tickets to help you save.\n4. Set a savings goal\nMake a list of short and longer term goals to work towards and watch your savings grow. On average, customers save twice as much when they \nsave towards a goal\n. Get ahead of the game and set-up a standing order to save a little each month too before all your bills come out. A great strategy.\nwarning Message\nOur savings goal tool is available to existing customers with an instant access savings account.\n5. Save your spare change as you spend\nLet your bank do the hard work for you by rounding up your everyday spending to boost your savings. When you pay with your debit card, the amount will be rounded up to the nearest pound, sending the spare change straight into your savings account.\nCheck out our Round Ups tool to find out how to get started.\nRound Ups is available to customers with an eligible current account, an eligible instant access savings account and the Mobile App. Applies to debit card and contactless device payments in sterling only. Mobile App criteria applies.\n6. Reduce your energy, go greener\nReducing your carbon footprint has never been more important. But we spend a lot of money on gas and electricity. That's why we've pulled together our\ntop energy saving tips\n. We want to help save you money, and reduce your carbon footprint at the same time.\n6. Switch energy supplier\nDue to the current situation with increasing wholesale energy prices and a number of energy companies unable to continue trading, it might be more difficult to find a deal when looking to switch your energy supplier at the moment. \n7. Shop around on your broadband, TV and phone contracts\nWhether it’s your mobile phone contract, broadband or TV package, there are deals out there, especially if you’ve been with your current provider for a while or maybe it’s no longer giving you what you need.\nBy checking on the latest deals you could save or get more for your money and switching could be easier than you think. \n8. Ditch that old Direct Debit\nWith the\nNatWest app\ntake some time to scroll through regular payments, it’s possible you’ll discover at least one Direct Debit or standing order you no longer need. For most, you can cancel these online or over the phone, but it’s worth checking any contracts you may have to avoid any cancellation fee or penalty.\n9. “Do I really need this?”\nIf you're asking yourself that question, there is a good chance you already know the answer. From gym memberships to online subscriptions, if you’re not using it, cancel it. If that feels a bit drastic you can often pause payments to test the water first. Be strong.\n10. Get rewarded for spending\nIt makes sense to do your research to find the best price but there are also ways you could earn some money back when you spend too.\nWith a \nNatWest Reward bank account\nyou could earn £4 a month back in Rewards for 2 or more Direct Debits – they'll need to be at least £2 each. Plus, get an extra £1 a month back in Rewards for logging into the NatWest app once. You could then exchange your Rewards for money, gift cards or donate them to charity.\nTo apply, you need to be 18+ and a UK resident. To hold this account, you need to pay in £1,250 to an eligible NatWest account every month.","attrs_markdown":"[Skip to main content](https:\/\/www.natwest.com\/life-moments\/managing-your-money\/top-money-saving-tips.html#main-content-wrapper)\n\n- [Personal](https:\/\/www.natwest.com\/)\n- [Premier](https:\/\/www.natwest.com\/premier-banking.html)\n- [Business](https:\/\/www.natwest.com\/business.html)\n- [Corporates & Institutions](https:\/\/www.natwest.com\/corporates.html)\n- [NatWest Group](https:\/\/www.natwestgroup.com\/)\n\n[Log in](https:\/\/www.onlinebanking.natwest.com\/Default.aspx)\n\n[Log in](https:\/\/www.onlinebanking.natwest.com\/Default.aspx)\n\n[![NatWest Logo](https:\/\/www.natwest.com\/content\/dam\/championlogos\/Natwest_Secondary_Horizontal_RGB_NEG.svg)](https:\/\/www.natwest.com\/ \"NatWest Logo\")\n\nMenu  Close\n\n[![NatWest Logo](https:\/\/www.natwest.com\/content\/dam\/championlogos\/Natwest_Secondary_Horizontal_RGB_NEG.svg)](https:\/\/www.natwest.com\/ \"NatWest Logo\")\n\nClose\n\n- [Personal](https:\/\/www.natwest.com\/)\n- [Premier](https:\/\/www.natwest.com\/premier-banking.html)\n- [Business](https:\/\/www.natwest.com\/business.html)\n- [Corporates & Institutions](https:\/\/www.natwest.com\/corporates.html)\n- [NatWest Group](https:\/\/www.natwestgroup.com\/)\n\nPersonal\n\nPremier\n\nBusiness\n\nCorporates & Institutions\n\nNatWest Group\n\n- [Products](https:\/\/www.natwest.com\/)\n  [Products]()\n  \n  - [Bank accounts](https:\/\/www.natwest.com\/current-accounts.html)\n    - Bank accounts\n      1. [See all our bank accounts](https:\/\/www.natwest.com\/current-accounts.html)\n      2. [Everyday bank account](https:\/\/www.natwest.com\/current-accounts\/select_account.html)\n      3. [Reward bank account](https:\/\/www.natwest.com\/current-accounts\/reward_account.html)\n      4. [Student bank account](https:\/\/www.natwest.com\/current-accounts\/student_account.html)\n      5. [Child & teen bank accounts](https:\/\/www.natwest.com\/current-accounts\/childrens-accounts.html)\n      6. [Joint bank account](https:\/\/www.natwest.com\/current-accounts\/joint-account.html)\n      7. [Premier bank accounts](https:\/\/www.natwest.com\/premier-banking\/products\/current-accounts.html)\n    - Already have an account with us?\n      1. [Manage your bank account](https:\/\/www.natwest.com\/current-accounts\/existing-customers.html)\n      2. [MyRewards](https:\/\/www.natwest.com\/myrewards.html)\n      3. [Apply for an overdraft](https:\/\/www.natwest.com\/current-accounts\/overdrafts.html)\n      4. [Manage your overdraft](https:\/\/www.natwest.com\/current-accounts\/overdrafts\/existing-customers.html)\n      5. [Mobile Banking](https:\/\/www.natwest.com\/banking-with-natwest\/natwest-app.html)\n      6. [Log into Natwest Membership Services](https:\/\/membershipbenefits.natwest.com\/)\n      7. [Overdraft cost calculator](https:\/\/www.natwest.com\/current-accounts\/overdrafts\/olb\/overdraft-calculator.html)\n    - Help with bank accounts\n      1. [Switch your account to us](https:\/\/www.natwest.com\/current-accounts\/switch-your-banking-to-natwest.html)\n      2. [Compare bank accounts](https:\/\/www.natwest.com\/current-accounts\/compare-bank-accounts.html)\n      3. [What do I need to open a bank account?](https:\/\/www.natwest.com\/current-accounts\/what-do-you-need-to-open-a-current-account.html)\n      4. 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[Get an Agreement in Principle](https:\/\/www.natwest.com\/mortgages\/applying-for-a-mortgage\/mortgage-agreement-in-principle.html)\n      8. [Continue your Agreement in Principle](https:\/\/spa.mortgages.natwest.com\/customer-dashboard)\n      9. [How to apply](https:\/\/www.natwest.com\/mortgages\/applying-for-a-mortgage.html)\n    - Already have a mortgage with us?\n      1. [Manage your mortgage](https:\/\/www.natwest.com\/mortgages\/existing-customers.html)\n      2. [Switch to a new deal](https:\/\/www.natwest.com\/mortgages\/existing-customers\/switch-mortgage-deal.html)\n      3. [Change your term](https:\/\/www.natwest.com\/mortgages\/existing-customers\/term-amendment.html)\n      4. [Moving with your existing mortgage](https:\/\/www.natwest.com\/mortgages\/existing-customers\/moving-home.html)\n      5. [Borrowing more](https:\/\/www.natwest.com\/mortgages\/existing-customers\/borrowing-more.html)\n      6. [Base rate updates](https:\/\/www.natwest.com\/mortgages\/bank-of-england-base-rate.html)\n      7. [Mortgage support](https:\/\/www.natwest.com\/life-moments\/Struggling-financially\/Mortgage_Support.html)\n      8. [Rate change calculator](https:\/\/www.natwest.com\/mortgages\/mortgage-calculators\/interest-rate-calculator.html)\n    - Help with mortgages\n      1. [Mortgage rates](https:\/\/www.natwest.com\/mortgages\/mortgage-rates.html)\n      2. [How much could I borrow?](https:\/\/www.natwest.com\/mortgages\/mortgage-calculators\/how-much-can-i-borrow.html)\n      3. [Mortgage guides](https:\/\/www.natwest.com\/mortgages\/mortgage-guides.html)\n      4. [Overpayment calculator](https:\/\/www.natwest.com\/mortgages\/mortgage-calculators\/mortgage-overpayment-tool.html)\n      5. [Equity calculator](https:\/\/www.natwest.com\/mortgages\/mortgage-calculators\/equity-calculator.html)\n      6. [Track your mortgage application online](https:\/\/www.natwest.com\/mortgages\/applying-for-a-mortgage\/mortgage-application-tracker.html)\n      7. [Tariff of mortgage charges](https:\/\/www.natwest.com\/content\/dam\/natwest_com\/mortgages\/downloads\/Tariff_of_Charges_NW.pdf)\n      8. [Mortgage offer extension](https:\/\/www.natwest.com\/mortgages\/applying-for-a-mortgage.html#extension)\n  - [Savings](https:\/\/www.natwest.com\/savings.html)\n    - Savings\n      1. [View all our savings accounts](https:\/\/www.natwest.com\/savings.html)\n      2. [Digital Regular Saver](https:\/\/www.natwest.com\/savings\/digital-regular-saver.html)\n      3. [Flexible Saver](https:\/\/www.natwest.com\/savings\/flexible-saver.html)\n      4. [Fixed Term Savings](https:\/\/www.natwest.com\/savings\/fixed-term-savings-account.html)\n      5. [View our Cash ISAs](https:\/\/www.natwest.com\/savings\/isa-overview.html)\n      6. [Instant access Cash ISA](https:\/\/www.natwest.com\/savings\/isa-overview\/cash-isa.html)\n      7. [Fixed Rate ISA](https:\/\/www.natwest.com\/savings\/isa-overview\/fixed-isa.html)\n      8. [Children's savings](https:\/\/www.natwest.com\/savings\/first-saver.html)\n      9. [Joint savings account](https:\/\/www.natwest.com\/savings\/joint-savings-accounts.html)\n    - Already have savings with us?\n      1. [Manage your savings](https:\/\/www.natwest.com\/savings\/existing-customers.html)\n      2. [Round Ups](https:\/\/www.natwest.com\/savings\/tools-for-savings\/round-ups.html)\n    - Help with savings\n      1. [ISA guide](https:\/\/www.natwest.com\/savings\/isa-overview\/isa-guides.html)\n      2. [Savings guides](https:\/\/www.natwest.com\/savings\/savings-guides.html)\n      3. [Savings Goal Tool](https:\/\/www.natwest.com\/savings\/tools-for-savings\/app-savings-tools.html)\n      4. [Budget Calculator](https:\/\/www.natwest.com\/life-moments\/managing-your-money\/life-moments.html)\n      5. [How to start saving money](https:\/\/www.natwest.com\/savings\/how-to-start-saving-money.html)\n      6. [Bank account vs Savings account](https:\/\/www.natwest.com\/current-accounts\/bank-account-vs-savings-account.html)\n  - [Loans](https:\/\/www.natwest.com\/loans.html)\n    - Loans\n      1. [See our loans](https:\/\/www.natwest.com\/loans.html)\n      2. [Car loans](https:\/\/www.natwest.com\/loans\/car-loans.html)\n      3. [Debt consolidation loans](https:\/\/www.natwest.com\/loans\/debt-consolidation.html)\n      4. [Home improvement loans](https:\/\/www.natwest.com\/loans\/home-improvement-loans.html)\n      5. [Wedding loans](https:\/\/www.natwest.com\/loans\/wedding-loans.html)\n      6. [Holiday loans](https:\/\/www.natwest.com\/loans\/holiday-loans-loans-for-a-holiday-natwest.html)\n      7. 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[Compare our kids debit card options](https:\/\/www.natwest.com\/current-accounts\/childrens-accounts\/debit-card-under-18s.html)\n    - Already bank with us?\n      1. [Manage my Adapt](https:\/\/www.natwest.com\/current-accounts\/existing-customers\/adapt-account.html)\n      2. [Manage my Junior ISA](https:\/\/www.natwest.com\/investments\/existing-customers\/natwest-junior-isa.html)\n      3. [Manage my Savings](https:\/\/www.natwest.com\/savings\/existing-customers.html)\n      4. [Manage my Rooster](https:\/\/www.natwest.com\/current-accounts\/existing-customers\/manage-my-rooster-subscription.html)\n      5. [Child Trust Fund](https:\/\/www.natwest.com\/investments\/existing-customers\/Child_Trust_Fund.html)\n    - Financial wellbeing and confidence\n      1. [Children's guides](https:\/\/www.natwest.com\/kids-and-teens-banking\/childrens-guides.html)\n      2. 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[Reward Silver account](https:\/\/www.natwest.com\/current-accounts\/reward_silver_account.html)\n      3. [Reward Platinum account](https:\/\/www.natwest.com\/current-accounts\/reward_platinum_account.html)\n      4. [Premier Reward account](https:\/\/www.natwest.com\/premier-banking\/products\/current-accounts\/premier-reward-account.html)\n      5. [Premier Reward Black account](https:\/\/www.natwest.com\/premier-banking\/products\/current-accounts\/reward-black-account.html)\n      6. [Reward credit card](https:\/\/www.natwest.com\/credit-cards\/reward-credit-card.html)\n      7. [Reward Black credit card](https:\/\/www.natwest.com\/credit-cards\/reward-black-credit-card.html)\n      8. [Travel Reward credit card](https:\/\/www.natwest.com\/credit-cards\/travel-reward-credit-card.html)\n    - Make the most of MyRewards\n      1. [MyRewards](https:\/\/www.natwest.com\/myrewards.html)\n      2. [How to earn rewards](https:\/\/www.natwest.com\/myrewards\/earn.html)\n      3. [How to exchange rewards](https:\/\/www.natwest.com\/myrewards\/exchange.html)\n      4. [MyRewards Terms and Exclusions](https:\/\/www.natwest.com\/myrewards\/terms-and-exclusions.html)\n    - Access MyRewards\n      1. [Access MyRewards through the NatWest app](https:\/\/personal.secure1.natwest.com\/app\/MyRewards)\n      2. [Access MyRewards through Online Banking](https:\/\/www.onlinebanking.natwest.com\/Default.aspx)\n  - [Overdrafts](https:\/\/www.natwest.com\/current-accounts\/overdrafts.html)\n    - Overdrafts\n      1. [Apply or manage your overdraft](https:\/\/www.natwest.com\/current-accounts\/overdrafts.html)\n      2. [Student overdraft](https:\/\/www.natwest.com\/current-accounts\/overdrafts\/student-overdraft.html)\n      3. [Graduate overdraft](https:\/\/www.natwest.com\/current-accounts\/overdrafts\/graduate-overdraft.html)\n    - Help with overdrafts\n      1. [Overdrafts guide](https:\/\/www.natwest.com\/current-accounts\/overdrafts\/what-is-an-overdraft.html)\n      2. [Overdraft eligibility calculator](https:\/\/www.natwest.com\/current-accounts\/overdrafts\/eligibility-checker.html)\n      3. [Overdraft cost calculator](https:\/\/www.natwest.com\/current-accounts\/overdrafts\/olb\/overdraft-calculator.html)\n  - [Travel](https:\/\/www.natwest.com\/life-moments\/travel.html)\n    - Travel products\n      1. [Travelling with NatWest](https:\/\/www.natwest.com\/life-moments\/travel.html)\n      2. [Travel account](https:\/\/www.natwest.com\/life-moments\/travel\/spending-abroad\/travel-account.html)\n      3. [Travel Reward Credit Card](https:\/\/www.natwest.com\/credit-cards\/travel-reward-credit-card.html)\n      4. [The NatWest Credit Card](https:\/\/www.natwest.com\/credit-cards\/the-natwest-credit-card.html)\n      5. [Reward Black Credit Card](https:\/\/www.natwest.com\/credit-cards\/reward-black-credit-card.html)\n      6. [Travel insurance](https:\/\/www.natwest.com\/insurance\/travel-insurance.html)\n      7. [Travel money](https:\/\/www.natwest.com\/life-moments\/travel\/travel-money.html)\n      8. [Holiday loans](https:\/\/www.natwest.com\/loans\/holiday-loans-loans-for-a-holiday-natwest.html)\n      9. [Send money abroad](https:\/\/www.natwest.com\/banking-with-natwest\/how-to\/send-money-abroad.html)\n    - Help with our travel products\n      1. [Using your debit card abroad](https:\/\/www.natwest.com\/life-moments\/travel\/spending-abroad.html)\n      2. [Using a travel credit card](https:\/\/www.natwest.com\/credit-cards\/travel-credit-cards.html)\n- [Help and support](https:\/\/www.natwest.com\/support-centre.html)\n  [Help and support]()\n  \n  - [Support Centre](https:\/\/www.natwest.com\/support-centre.html)\n    - Support Centre\n      1. [Explore our Support centre](https:\/\/www.natwest.com\/support-centre.html)\n      2. [Accessibility and disability](https:\/\/www.natwest.com\/life-moments\/help-for-every-situation.html#Accessibility)\n      3. [Help with money worries](https:\/\/www.natwest.com\/life-moments\/help-for-every-situation.html#Money)\n      4. [Dealing with difficult life events](https:\/\/www.natwest.com\/life-moments\/help-for-every-situation.html#Life)\n      5. [Bereavement support](https:\/\/www.natwest.com\/life-moments\/bereavement.html)\n      6. [Card payment support](https:\/\/www.natwest.com\/fraud-and-security\/card-payment-help.html)\n      7. [Service status](https:\/\/www.natwest.com\/service-status.html)\n    - Contact us\n      1. [Contact us](https:\/\/www.natwest.com\/support-centre\/contact-us.html)\n      2. [Ask Cora](https:\/\/www.natwest.com\/support-centre\/cora.html)\n      3. [Complaints](https:\/\/www.natwest.com\/support-centre\/how-to-complain.html)\n      4. 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[Manage your home insurance](https:\/\/www.natwest.com\/insurance\/existing-customer-home-insurance.html)\n      9. [Manage your car insurance](https:\/\/www.natwest.com\/insurance\/existing-customer-car-insurance.html)\n  - [Help with everyday banking](https:\/\/www.natwest.com\/life-moments\/managing-your-money\/top-money-saving-tips.html)\n    - Help with everyday banking\n      1. [Help with registering on the app](https:\/\/www.natwest.com\/banking-with-natwest\/natwest-app.html)\n      2. [How to use the app](https:\/\/www.natwest.com\/banking-with-natwest\/natwest-app\/how-to-use-the-natwest-app.html)\n      3. [Help with registering for online banking](https:\/\/www.natwest.com\/banking-with-natwest\/register-for-online-banking.html)\n      4. [How to use online banking](https:\/\/www.natwest.com\/banking-with-natwest\/register-for-online-banking\/how-to-use-online-banking.html)\n      5. [Ways to pay by card](https:\/\/www.natwest.com\/waystopay.html)\n      6. [Banking My Way](https:\/\/www.natwest.com\/accessibility\/banking-my-way.html)\n- [You and your money](https:\/\/www.natwest.com\/life-moments.html)\n  [You and your money]()\n  \n  - [Money Blog](https:\/\/www.natwest.com\/money-blog.html)\n    - Latest posts\n      1. [5 simple New Year climate resolutions](https:\/\/www.natwest.com\/money-blog\/energy-saving-tips\/5-new-year-climate-resolutions-for-2022.html)\n      2. [Autumn Budget: what it means for you](https:\/\/www.natwest.com\/money-blog\/money-management\/autumn-budget-what-it-means-for-you.html)\n      3. [Good vs bad debt: what's the difference?](https:\/\/www.natwest.com\/money-blog\/borrowing-and-debt-management\/good-debt-versus-bad-debt.html)\n    - Energy Saving tips\n      1. [Can a low carbon lifestyle save me money?](https:\/\/www.natwest.com\/money-blog\/energy-saving-tips\/can-a-low-carbon-lifestyle-save-me-money.html)\n      2. [How can I make my home more energy efficient?](https:\/\/www.natwest.com\/money-blog\/energy-saving-tips\/how-can-I-make-my-home-more-energy-efficient.html)\n      3. [Buying an energy efficient home](https:\/\/www.natwest.com\/money-blog\/energy-saving-tips\/buying-an-energy-efficient-home.html)\n    - Saving and budgeting\n      1. [How much emergency savings should I have?](https:\/\/www.natwest.com\/money-blog\/saving-and-budgeting\/how-much-emergency-saving-should-i-have.html)\n      2. [Top money saving challenges](https:\/\/www.natwest.com\/money-blog\/saving-and-budgeting\/top-money-saving-challenges.html)\n      3. [How to save on your vehicle insurance](https:\/\/www.natwest.com\/money-blog\/saving-and-budgeting\/how-to-reduce-vehicle-insurance-bills.html)\n  - [Managing your money]()\n    - Money management guides\n      1. [Tips on managing your money](https:\/\/www.natwest.com\/life-moments\/managing-your-money.html)\n      2. [Reducing your household bills](https:\/\/www.natwest.com\/life-moments\/managing-your-money\/household-bills.html)\n      3. [Teaching kids about money](https:\/\/www.natwest.com\/life-moments\/teaching-kids-about-money.html)\n      4. [What is my take home pay?](https:\/\/www.natwest.com\/life-moments\/managing-your-money\/calculate-take-home-pay.html)\n    - Tools to help manage your money\n      1. [Financial Health Check](https:\/\/www.natwest.com\/financial-health-check.html)\n      2. [Round Ups](https:\/\/www.natwest.com\/savings\/tools-for-savings\/round-ups.html)\n      3. [Savings Goal Tool](https:\/\/www.natwest.com\/savings\/tools-for-savings\/app-savings-tools.html)\n      4. [Spending and Budget Tracker](https:\/\/www.natwest.com\/banking-with-natwest\/natwest-app\/features\/spending-and-budgets.html)\n      5. [Check your Credit Score](https:\/\/www.natwest.com\/banking-with-natwest\/natwest-app\/features\/know-my-credit-score.html)\n      6. [Overdraft calculator](https:\/\/www.natwest.com\/current-accounts\/overdrafts\/olb\/overdraft-calculator.html)\n      7. [Banking My Way](https:\/\/www.natwest.com\/accessibility\/banking-my-way.html)\n      8. [Compare options to borrow money](https:\/\/www.natwest.com\/borrowing-needs\/borrowing-needs-tool.html)\n  - [Family Finances](https:\/\/www.natwest.com\/life-moments\/family-banking.html)\n  - [Life Moments](https:\/\/www.natwest.com\/life-moments.html)\n    - Supporting you through life events\n      1. [Buying your first home](https:\/\/www.natwest.com\/mortgages\/first-time-buyers\/first-time-buyer-guide.html)\n      2. [Buying a car](https:\/\/www.natwest.com\/life-moments\/buying-a-car.html)\n      3. [Going to university](https:\/\/www.natwest.com\/life-moments\/students-and-graduates.html)\n    - Help planning for later life\n      1. [Bereavement](https:\/\/www.natwest.com\/life-moments\/bereavement.html)\n      2. [Planning for later life](https:\/\/www.natwest.com\/life-moments\/planning-for-later-life.html)\n      3. [Retirement and pensions](https:\/\/www.natwest.com\/investments\/pensions.html)\n      4. [Will writing and Executor service](https:\/\/www.natwest.com\/life-moments\/bereavement\/will-writing-service.html)\n  - [Your home](https:\/\/www.natwest.com\/life-moments.html)\n    - Making a move\n      1. [Buying your first home](https:\/\/www.natwest.com\/mortgages\/first-time-buyers\/first-time-buyer-guide.html)\n      2. [Buying a new home](https:\/\/www.natwest.com\/mortgages.html)\n      3. [How much could I borrow?](https:\/\/www.natwest.com\/mortgages\/mortgage-calculators\/how-much-can-i-borrow.html)\n      4. [Renting guide](https:\/\/www.natwest.com\/life-moments\/renting-guide.html)\n    - Making a change\n      1. [Remortgage guide](https:\/\/www.natwest.com\/mortgages\/remortgage-to-natwest\/remortgage-guide.html)\n      2. [Home improvement guide](https:\/\/www.natwest.com\/life-moments\/home-improvements.html)\n      3. [Buying a second home](https:\/\/www.natwest.com\/mortgages\/mortgage-guides\/second-home-mortgages.html)\n      4. [Buy to let guide](https:\/\/www.natwest.com\/mortgages\/buy-to-let\/buy-to-let-mortgage-guide.html)\n      5. [Reducing your household bills](https:\/\/www.natwest.com\/life-moments\/managing-your-money\/household-bills.html)\n  - [Travel](https:\/\/www.natwest.com\/life-moments\/travel.html)\n    - Help when travelling abroad\n      1. [Travel guide](https:\/\/www.natwest.com\/life-moments\/travel.html)\n      2. [Spending abroad](https:\/\/www.natwest.com\/life-moments\/travel\/spending-abroad.html)\n      3. [How to travel more sustainably](https:\/\/www.natwest.com\/climate\/sustainable-living\/sustainable-travel-ideas.html)\n- [Banking with us](https:\/\/www.natwest.com\/banking-with-natwest.html)\n  [Banking with us]()\n  \n  - [Banking from home](https:\/\/www.natwest.com\/banking-with-natwest\/natwest-app.html)\n    - Banking from home\n      1. [Download the NatWest app](https:\/\/www.natwest.com\/banking-with-natwest\/natwest-app.html)\n      2. [What is the NatWest app?](https:\/\/www.natwest.com\/banking-with-natwest\/natwest-app\/features.html)\n      3. [Register for Online Banking](https:\/\/www.natwest.com\/banking-with-natwest\/register-for-online-banking.html)\n      4. [Learn about Online Banking](https:\/\/www.natwest.com\/banking-with-natwest\/register-for-online-banking\/features.html)\n    - Existing customer support\n      1. [How to use the NatWest app](https:\/\/www.natwest.com\/banking-with-natwest\/natwest-app\/how-to-use-the-natwest-app.html)\n      2. [How to use Online Banking](https:\/\/www.natwest.com\/banking-with-natwest\/register-for-online-banking\/how-to-use-online-banking.html)\n  - [Over the phone or video](https:\/\/www.natwest.com\/banking-with-natwest.html)\n    - Over the phone or video\n      1. [Our Video Banking service](https:\/\/www.natwest.com\/banking-with-natwest\/other-ways-to-bank-with-natwest\/natwest-video-banking-service.html)\n      2. [Call us for telephone banking](https:\/\/www.natwest.com\/banking-with-natwest\/other-ways-to-bank-with-natwest\/natwest-telephone-banking.html)\n  - [Banking near me](https:\/\/www.natwest.com\/banking-with-natwest\/other-ways-to-bank-with-natwest\/natwest-banking-near-me.html)\n  - [All the ways you can bank with us](https:\/\/www.natwest.com\/banking-with-natwest.html)\n  - [Access to cash](https:\/\/www.natwest.com\/banking-with-natwest\/access-to-cash.html)\n  - [Send money abroad](https:\/\/www.natwest.com\/banking-with-natwest\/how-to\/send-money-abroad.html)\n- [Security and fraud](https:\/\/www.natwest.com\/fraud-and-security.html)\n  [Security and fraud]()\n  \n  - [Security and fraud](https:\/\/www.natwest.com\/fraud-and-security.html)\n    - Protecting your money\n      1. [Get tips to avoid scams](https:\/\/www.natwest.com\/fraud-and-security\/fraud-guide.html)\n      2. [My Security Profile](https:\/\/www.natwest.com\/fraud-and-security\/my-security-profile.html)\n      3. [Learn about face and voice approvals](https:\/\/www.natwest.com\/fraud-and-security\/sca.html)\n      4. [How we protect you](https:\/\/www.natwest.com\/fraud-and-security\/how-we-protect-you.html)\n    - Taking action\n      1. [Report a fraud or scam](https:\/\/www.natwest.com\/fraud-and-security\/report-fraud.html)\n      2. [Raise a dispute](https:\/\/www.natwest.com\/fraud-and-security\/retaildisputes\/card-payment-dispute.html)\n      3. [Card payment support](https:\/\/www.natwest.com\/fraud-and-security\/card-payment-help.html)\n- [Climate](https:\/\/www.natwest.com\/climate.html)\n  [Climate]()\n  \n  - [Save energy at home](https:\/\/www.natwest.com\/energy-at-home.html)\n    - Save energy at home\n      1. [Home Energy Hub](https:\/\/www.natwest.com\/energy-at-home.html)\n      2. [Home Energy Plan](https:\/\/www.natwest.com\/energy-at-home.html)\n      3. [Save money on your energy bills](https:\/\/www.natwest.com\/energy-at-home\/save-money-on-your-energy-bills.html)\n      4. [EPC certificate guide](https:\/\/www.natwest.com\/energy-at-home\/what-is-an-epc-certificate.html)\n      5. [Insulation guide](https:\/\/www.natwest.com\/energy-at-home\/insulate-your-home.html)\n      6. [Solar panels guide](https:\/\/www.natwest.com\/energy-at-home\/solar-panels.html)\n      7. [Heat pump guide](https:\/\/www.natwest.com\/energy-at-home\/heat-pumps.html)\n      8. [Smart meter guide](https:\/\/www.natwest.com\/energy-at-home\/what-is-a-smart-meter.html)\n      9. [What is a home retrofit?](https:\/\/www.natwest.com\/energy-at-home\/what-is-a-home-retrofit.html)\n  - [Sustainable living](https:\/\/www.natwest.com\/climate\/sustainable-living\/reduce-reuse-and-recycle.html)\n    - Sustainable living\n      1. [Ideas to reduce, reuse and recycle](https:\/\/www.natwest.com\/climate\/sustainable-living\/reduce-reuse-and-recycle.html)\n      2. [Reduce waste at home](https:\/\/www.natwest.com\/climate\/sustainable-living\/reduce-household-waste.html)\n      3. [Sustainable travel ideas](https:\/\/www.natwest.com\/climate\/sustainable-living\/sustainable-travel-ideas.html)\n      4. [Electric vehicle guide](https:\/\/www.natwest.com\/climate\/sustainable-living\/switch-to-an-electric-vehicle.html)\n  - [Our approach to climate change](https:\/\/www.natwest.com\/climate\/banking-and-climate-change.html)\n\n[Back to main menu]()\n\n[Search](https:\/\/www.natwest.com\/life-moments\/managing-your-money\/top-money-saving-tips.html)\n\nSearch\n\n[![](https:\/\/www.natwest.com\/etc.clientlibs\/responsive\/components\/foundation\/iagloballogin\/clientlibs\/clientlib_ia_global_login_champion\/resources\/images\/Login-white.svg) Log in](https:\/\/www.onlinebanking.natwest.com\/Default.aspx)\n\n![](https:\/\/www.natwest.com\/etc.clientlibs\/responsive\/components\/foundation\/iaglobalsearch\/clientlibs\/clientlib_ia_global_search_champion\/resources\/images\/searchicon_mob.svg) Search\n\nOverlay\n\n1. [Personal](https:\/\/www.natwest.com\/ \"Personal\")\n2. [Life Moments](https:\/\/www.natwest.com\/life-moments.html \"Life Moments\")\n3. [Making the most of your money](https:\/\/www.natwest.com\/life-moments\/managing-your-money.html \"Making the most of your money\")\n4. [10 ways to help you save 10 ways to help you save]()\n\nManaging your money\n\n# Money saving hints and tips\n\n## 10 ways to help you save\nFrom reviewing your direct debits to switching energy supplier, there are lots of great ways you could save money each month. It might help give you a bit of extra cash to save for a rainy day. Here's some of our top tips.\n\n![](https:\/\/www.natwest.com\/life-moments\/managing-your-money\/top-money-saving-tips\/_jcr_content\/root\/responsivegrid\/singlearticle_copy_c\/singlearticle\/article_image.coreimg.svg\/1692277236234\/illus-web-pink-phone-pie-chart-shopping.svg)\n\n### 1\\. Set a budget\nA good habit is to set a monthly budget to plan your spending. It could help you spend less and save more. With the NatWest app, you could [categorise your current account transactions](https:\/\/www.natwest.com\/banking-with-natwest\/natwest-app\/features\/spending-and-budgets.html) (e.g. household bills, groceries, eating out, travel, etc) to give you a more detailed picture of where you spend your money and help you to spot opportunities to save each month or even [donate to charity](https:\/\/www.natwest.com\/life-moments\/managing-your-money\/donating-to-charity.html).\n\n[Check out our budgeting guide Open in new window](https:\/\/www.natwest.com\/life-moments\/managing-your-money\/budgeting-guide.html)\n\nOur App can be used on compatible iOS and Android devices. You'll need a UK or international mobile number in specific countries. Spending Tracker is available to customers aged 16+ who have a Personal or Premier account with us.\n\n### 3\\. Save money on frequent travel\nTaking the train to work everyday? Or maybe you're a regular on your local bus route? If you're buying tickets on the day, you might be spending more than you need to. Check with your travel company to see if they offer discounted digital tickets, weekly or monthly passes or season tickets to help you save.\n\n[play video]()  ![](https:\/\/img.youtube.com\/vi\/78ojT9kBHzE\/sddefault.jpg)\n\n### 4\\. Set a savings goal\nMake a list of short and longer term goals to work towards and watch your savings grow. On average, customers save twice as much when they [save towards a goal](https:\/\/www.natwest.com\/savings\/tools-for-savings\/savings-goal-tool.html). Get ahead of the game and set-up a standing order to save a little each month too before all your bills come out. A great strategy.\n\nwarning Message\n\nOur savings goal tool is available to existing customers with an instant access savings account.\n\n![](https:\/\/www.natwest.com\/life-moments\/managing-your-money\/top-money-saving-tips\/_jcr_content\/root\/responsivegrid\/singlearticle\/singlearticle\/article_image.coreimg.svg\/1692277236520\/illus-web-purple-phone-with-pound-coin-onscreen-and-takeout-coffee.svg)\n\n### 5\\. Save your spare change as you spend\nLet your bank do the hard work for you by rounding up your everyday spending to boost your savings. When you pay with your debit card, the amount will be rounded up to the nearest pound, sending the spare change straight into your savings account.\n\nCheck out our Round Ups tool to find out how to get started.\n\n[Get started with Round Ups Open in new window](https:\/\/www.natwest.com\/savings\/tools-for-savings\/round-ups.html)\n\nRound Ups is available to customers with an eligible current account, an eligible instant access savings account and the Mobile App. Applies to debit card and contactless device payments in sterling only. Mobile App criteria applies.\n\n### 6\\. Reduce your energy, go greener\nReducing your carbon footprint has never been more important. But we spend a lot of money on gas and electricity. That's why we've pulled together our [top energy saving tips](https:\/\/www.natwest.com\/banking-with-natwest\/our-purpose\/climate\/home\/reduce-your-carbon-footprint-at-home.html). We want to help save you money, and reduce your carbon footprint at the same time.\n\n![](https:\/\/www.natwest.com\/life-moments\/managing-your-money\/top-money-saving-tips\/_jcr_content\/root\/responsivegrid\/singlearticle_copy_c_310317474\/singlearticle\/article_image.coreimg.svg\/1692277236624\/illus-web-yellow-wind-turbine-inside-light-bulb.svg)\n\n### 6\\. Switch energy supplier\nDue to the current situation with increasing wholesale energy prices and a number of energy companies unable to continue trading, it might be more difficult to find a deal when looking to switch your energy supplier at the moment.\n\n[Learn more about the changes in the energy market Open in new window](https:\/\/www.natwest.com\/energy-at-home\/save-money-on-your-energy-bills.html#switching-energy-supplier)\n\n### 7\\. Shop around on your broadband, TV and phone contracts\nWhether it’s your mobile phone contract, broadband or TV package, there are deals out there, especially if you’ve been with your current provider for a while or maybe it’s no longer giving you what you need.\n\nBy checking on the latest deals you could save or get more for your money and switching could be easier than you think.\n\n[Discover more about saving on your phone and broadband bills Open in new window](https:\/\/www.natwest.com\/life-moments\/managing-your-money\/reduce-phone-bills.html)\n\n![](https:\/\/www.natwest.com\/life-moments\/managing-your-money\/top-money-saving-tips\/_jcr_content\/root\/responsivegrid\/singlearticle_copy_c_2014880337\/singlearticle\/article_image.coreimg.png\/1692277236697\/how-to-make-a-payment-to-an-existing-payee-using-the-natwest-rbs-mobile-app.png)\n\n### 8\\. Ditch that old Direct Debit\nWith the [NatWest app](https:\/\/www.natwest.com\/banking-with-natwest\/natwest-app\/how-to-use-the-natwest-app.html) take some time to scroll through regular payments, it’s possible you’ll discover at least one Direct Debit or standing order you no longer need. For most, you can cancel these online or over the phone, but it’s worth checking any contracts you may have to avoid any cancellation fee or penalty.\n\n### 9\\. “Do I really need this?”\nIf you're asking yourself that question, there is a good chance you already know the answer. From gym memberships to online subscriptions, if you’re not using it, cancel it. If that feels a bit drastic you can often pause payments to test the water first. Be strong.\n\n![](https:\/\/www.natwest.com\/life-moments\/managing-your-money\/top-money-saving-tips\/_jcr_content\/root\/responsivegrid\/singlearticle_copy_4_487229860\/singlearticle\/article_image.coreimg.svg\/1692277236786\/illus-web-pink-phone-with-bank-card-and-banknote-on-screen.svg)\n\n### 10\\. Get rewarded for spending\nIt makes sense to do your research to find the best price but there are also ways you could earn some money back when you spend too.\n\nWith a [NatWest Reward bank account](https:\/\/www.natwest.com\/current-accounts\/reward_account.html) you could earn £4 a month back in Rewards for 2 or more Direct Debits – they'll need to be at least £2 each. Plus, get an extra £1 a month back in Rewards for logging into the NatWest app once. You could then exchange your Rewards for money, gift cards or donate them to charity.\n\nTo apply, you need to be 18+ and a UK resident. To hold this account, you need to pay in £1,250 to an eligible NatWest account every month.\n\n[Earn Rewards with NatWest Open in new window](https:\/\/www.natwest.com\/myrewards.html)\n\n- [![](https:\/\/www.natwest.com\/content\/dam\/championlogos\/icons-web-white-question-mark.svg)Support Centre](https:\/\/www.natwest.com\/support-centre.html)\n- [![](https:\/\/www.natwest.com\/content\/dam\/championlogos\/icons-web-white-locate-pin.svg)Find a branch](https:\/\/www.natwest.com\/search-results\/locator.html)\n- [![](https:\/\/www.natwest.com\/content\/dam\/championlogos\/icons-web-white-mobile-phone.svg)Get the NatWest app](https:\/\/rbs.onelink.me\/3054929945?pid=Webpage&c=N_HPTO_Int_MOB_NWPERFOOT_NWPERFOOT_NWPEF_AA)\n\n#### Products\n- [Bank accounts](https:\/\/www.natwest.com\/current-accounts.html)\n- [Savings](https:\/\/www.natwest.com\/savings.html)\n- [Investments](https:\/\/www.natwest.com\/investments.html)\n- [Credit cards](https:\/\/www.natwest.com\/credit-cards.html)\n- [Loans](https:\/\/www.natwest.com\/loans.html)\n- [Overdrafts](https:\/\/www.natwest.com\/current-accounts\/overdrafts.html)\n- [Mortgages](https:\/\/www.natwest.com\/mortgages.html)\n- [Insurance](https:\/\/www.natwest.com\/insurance.html)\n- [Reward accounts and cards](https:\/\/www.natwest.com\/myrewards.html)\n\n#### Life Moments\n- [View all Life moments](https:\/\/www.natwest.com\/life-moments.html)\n- [Managing your money](https:\/\/www.natwest.com\/life-moments\/managing-your-money.html)\n- [Struggling financially](https:\/\/www.natwest.com\/life-moments\/Struggling-financially.html)\n- [Bereavement](https:\/\/www.natwest.com\/life-moments\/bereavement.html)\n- [Financial Health Check](https:\/\/www.natwest.com\/financial-health-check.html)\n- [First time buyer guide](https:\/\/www.natwest.com\/mortgages\/first-time-buyers\/first-time-buyer-guide.html)\n- [Travel Guide](https:\/\/www.natwest.com\/life-moments\/travel.html)\n- [Financial abuse](https:\/\/www.natwest.com\/life-moments\/financial-abuse.html)\n\n#### Help and support\n- [Support](https:\/\/www.natwest.com\/support-centre.html)\n- [Security](https:\/\/www.natwest.com\/fraud-and-security.html)\n- [Service status](https:\/\/www.natwest.com\/service-status.html)\n- [NatWest app](https:\/\/www.natwest.com\/banking-with-natwest\/natwest-app.html)\n- [Online Banking](https:\/\/www.natwest.com\/banking-with-natwest\/register-for-online-banking.html)\n- [Banking with NatWest](https:\/\/www.natwest.com\/banking-with-natwest.html)\n- [Home Energy Hub](https:\/\/www.natwest.com\/energy-at-home.html)\n- [Detecting and preventing financial crime](https:\/\/www.natwestgroup.com\/sustainability\/governance-and-responsible-business\/detecting-and-preventing-financial-crime.html)\n- [Access to cash](https:\/\/www.natwest.com\/banking-with-natwest\/access-to-cash.html)\n\n- [Privacy & Cookies](https:\/\/www.natwest.com\/global\/cookie-privacy.html)\n- [Website T\\&Cs](https:\/\/www.natwest.com\/website-terms-and-FSCS.html)\n- [Accessibility](https:\/\/www.natwest.com\/accessibility\/online-accessibility.html)\n- [Careers](https:\/\/jobs.natwestgroup.com\/)\n- [Site Map](https:\/\/www.natwest.com\/site-map.html)\n- [Modern Slavery Act (PDF 6MB)](https:\/\/www.natwestgroup.com\/content\/dam\/natwestgroup_com\/natwestgroup\/Docs\/web-pages\/2025\/sustainability\/NWG047-MSA-2024-final-pdf-250612.pdf)\n\n- [![Facebook](https:\/\/www.natwest.com\/content\/dam\/championlogos\/footer-logos\/Facebook-Default.svg) ![Facebook](https:\/\/www.natwest.com\/content\/dam\/championlogos\/footer-logos\/Facebook-Hover.svg)](https:\/\/www.facebook.com\/NatWest \"Facebook (opens in a new tab)\")\n- [![Twitter](https:\/\/www.natwest.com\/content\/dam\/championlogos\/footer-logos\/Twitter-Default.svg) ![Twitter](https:\/\/www.natwest.com\/content\/dam\/championlogos\/footer-logos\/Twitter-Hover.svg)](https:\/\/twitter.com\/NatWest_Help \"Twitter (opens in a new tab)\")\n- [![LinkedIn](https:\/\/www.natwest.com\/content\/dam\/championlogos\/footer-logos\/LinkedIn-Default.svg) ![LinkedIn](https:\/\/www.natwest.com\/content\/dam\/championlogos\/footer-logos\/LinkedIn-Hover.svg)](https:\/\/www.linkedin.com\/company\/natwest \"LinkedIn (opens in a new tab)\")\n\n[![Protecting your money FSCS protected - downloads PDF](https:\/\/www.natwest.com\/content\/dam\/championlogos\/footer-logos\/FSCS.png)](https:\/\/www.natwest.com\/content\/dam\/natwest\/business\/current-accounts\/documents\/FSCS_leaflet.pdf)\n\n[FSCS.org.uk](https:\/\/www.fscs.org.uk\/ \"fscs\")\n\nCopyright © National Westminster Bank plc 2026. Registered office: 250 Bishopsgate, London, EC2M 4AA.\n\nOpens in a new window","attrs_readable_markdown":"From reviewing your direct debits to switching energy supplier, there are lots of great ways you could save money each month. It might help give you a bit of extra cash to save for a rainy day. Here's some of our top tips.\n\n![](https:\/\/www.natwest.com\/life-moments\/managing-your-money\/top-money-saving-tips\/_jcr_content\/root\/responsivegrid\/singlearticle_copy_c\/singlearticle\/article_image.coreimg.svg\/1692277236234\/illus-web-pink-phone-pie-chart-shopping.svg)\n\n1\\. Set a budget\n\nA good habit is to set a monthly budget to plan your spending. It could help you spend less and save more. With the NatWest app, you could [categorise your current account transactions](https:\/\/www.natwest.com\/banking-with-natwest\/natwest-app\/features\/spending-and-budgets.html) (e.g. household bills, groceries, eating out, travel, etc) to give you a more detailed picture of where you spend your money and help you to spot opportunities to save each month or even [donate to charity](https:\/\/www.natwest.com\/life-moments\/managing-your-money\/donating-to-charity.html).\n\nOur App can be used on compatible iOS and Android devices. You'll need a UK or international mobile number in specific countries. Spending Tracker is available to customers aged 16+ who have a Personal or Premier account with us.\n\n3\\. Save money on frequent travel\n\nTaking the train to work everyday? Or maybe you're a regular on your local bus route? If you're buying tickets on the day, you might be spending more than you need to. Check with your travel company to see if they offer discounted digital tickets, weekly or monthly passes or season tickets to help you save.\n\n4\\. Set a savings goal\n\nMake a list of short and longer term goals to work towards and watch your savings grow. On average, customers save twice as much when they [save towards a goal](https:\/\/www.natwest.com\/savings\/tools-for-savings\/savings-goal-tool.html). Get ahead of the game and set-up a standing order to save a little each month too before all your bills come out. A great strategy.\n\nwarning Message\n\nOur savings goal tool is available to existing customers with an instant access savings account.\n\n![](https:\/\/www.natwest.com\/life-moments\/managing-your-money\/top-money-saving-tips\/_jcr_content\/root\/responsivegrid\/singlearticle\/singlearticle\/article_image.coreimg.svg\/1692277236520\/illus-web-purple-phone-with-pound-coin-onscreen-and-takeout-coffee.svg)\n\n5\\. Save your spare change as you spend\n\nLet your bank do the hard work for you by rounding up your everyday spending to boost your savings. When you pay with your debit card, the amount will be rounded up to the nearest pound, sending the spare change straight into your savings account.\n\nCheck out our Round Ups tool to find out how to get started.\n\nRound Ups is available to customers with an eligible current account, an eligible instant access savings account and the Mobile App. Applies to debit card and contactless device payments in sterling only. Mobile App criteria applies.\n\n6\\. Reduce your energy, go greener\n\nReducing your carbon footprint has never been more important. But we spend a lot of money on gas and electricity. That's why we've pulled together our [top energy saving tips](https:\/\/www.natwest.com\/banking-with-natwest\/our-purpose\/climate\/home\/reduce-your-carbon-footprint-at-home.html). We want to help save you money, and reduce your carbon footprint at the same time.\n\n![](https:\/\/www.natwest.com\/life-moments\/managing-your-money\/top-money-saving-tips\/_jcr_content\/root\/responsivegrid\/singlearticle_copy_c_310317474\/singlearticle\/article_image.coreimg.svg\/1692277236624\/illus-web-yellow-wind-turbine-inside-light-bulb.svg)\n\n6\\. Switch energy supplier\n\nDue to the current situation with increasing wholesale energy prices and a number of energy companies unable to continue trading, it might be more difficult to find a deal when looking to switch your energy supplier at the moment.\n\n7\\. Shop around on your broadband, TV and phone contracts\n\nWhether it’s your mobile phone contract, broadband or TV package, there are deals out there, especially if you’ve been with your current provider for a while or maybe it’s no longer giving you what you need.\n\nBy checking on the latest deals you could save or get more for your money and switching could be easier than you think.\n\n![](https:\/\/www.natwest.com\/life-moments\/managing-your-money\/top-money-saving-tips\/_jcr_content\/root\/responsivegrid\/singlearticle_copy_c_2014880337\/singlearticle\/article_image.coreimg.png\/1692277236697\/how-to-make-a-payment-to-an-existing-payee-using-the-natwest-rbs-mobile-app.png)\n\n8\\. Ditch that old Direct Debit\n\nWith the [NatWest app](https:\/\/www.natwest.com\/banking-with-natwest\/natwest-app\/how-to-use-the-natwest-app.html) take some time to scroll through regular payments, it’s possible you’ll discover at least one Direct Debit or standing order you no longer need. For most, you can cancel these online or over the phone, but it’s worth checking any contracts you may have to avoid any cancellation fee or penalty.\n\n9\\. “Do I really need this?”\n\nIf you're asking yourself that question, there is a good chance you already know the answer. From gym memberships to online subscriptions, if you’re not using it, cancel it. If that feels a bit drastic you can often pause payments to test the water first. Be strong.\n\n![](https:\/\/www.natwest.com\/life-moments\/managing-your-money\/top-money-saving-tips\/_jcr_content\/root\/responsivegrid\/singlearticle_copy_4_487229860\/singlearticle\/article_image.coreimg.svg\/1692277236786\/illus-web-pink-phone-with-bank-card-and-banknote-on-screen.svg)\n\n10\\. Get rewarded for spending\n\nIt makes sense to do your research to find the best price but there are also ways you could earn some money back when you spend too.\n\nWith a [NatWest Reward bank account](https:\/\/www.natwest.com\/current-accounts\/reward_account.html) you could earn £4 a month back in Rewards for 2 or more Direct Debits – they'll need to be at least £2 each. Plus, get an extra £1 a month back in Rewards for logging into the NatWest app once. You could then exchange your Rewards for money, gift cards or donate them to charity.\n\nTo apply, you need to be 18+ and a UK resident. To hold this account, you need to pay in £1,250 to an eligible NatWest account every month.","meta_canonical":null}

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URL	https://www.natwest.com/life-moments/managing-your-money/top-money-saving-tips.html
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Meta Title	10 ways to help you save \| Managing your money \| NatWest
Meta Description	From reviewing your direct debits to switching energy supplier, there are lots of great ways you could save money each month.
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Boilerpipe Text	From reviewing your direct debits to switching energy supplier, there are lots of great ways you could save money each month. It might help give you a bit of extra cash to save for a rainy day. Here's some of our top tips. 1. Set a budget A good habit is to set a monthly budget to plan your spending. It could help you spend less and save more. With the NatWest app, you could categorise your current account transactions (e.g. household bills, groceries, eating out, travel, etc) to give you a more detailed picture of where you spend your money and help you to spot opportunities to save each month or even donate to charity . Our App can be used on compatible iOS and Android devices. You'll need a UK or international mobile number in specific countries. Spending Tracker is available to customers aged 16+ who have a Personal or Premier account with us. 3. Save money on frequent travel Taking the train to work everyday? Or maybe you're a regular on your local bus route? If you're buying tickets on the day, you might be spending more than you need to. Check with your travel company to see if they offer discounted digital tickets, weekly or monthly passes or season tickets to help you save. 4. Set a savings goal Make a list of short and longer term goals to work towards and watch your savings grow. On average, customers save twice as much when they save towards a goal . Get ahead of the game and set-up a standing order to save a little each month too before all your bills come out. A great strategy. warning Message Our savings goal tool is available to existing customers with an instant access savings account. 5. Save your spare change as you spend Let your bank do the hard work for you by rounding up your everyday spending to boost your savings. When you pay with your debit card, the amount will be rounded up to the nearest pound, sending the spare change straight into your savings account. Check out our Round Ups tool to find out how to get started. Round Ups is available to customers with an eligible current account, an eligible instant access savings account and the Mobile App. Applies to debit card and contactless device payments in sterling only. Mobile App criteria applies. 6. Reduce your energy, go greener Reducing your carbon footprint has never been more important. But we spend a lot of money on gas and electricity. That's why we've pulled together our top energy saving tips . We want to help save you money, and reduce your carbon footprint at the same time. 6. Switch energy supplier Due to the current situation with increasing wholesale energy prices and a number of energy companies unable to continue trading, it might be more difficult to find a deal when looking to switch your energy supplier at the moment. 7. Shop around on your broadband, TV and phone contracts Whether it’s your mobile phone contract, broadband or TV package, there are deals out there, especially if you’ve been with your current provider for a while or maybe it’s no longer giving you what you need. By checking on the latest deals you could save or get more for your money and switching could be easier than you think. 8. Ditch that old Direct Debit With the NatWest app take some time to scroll through regular payments, it’s possible you’ll discover at least one Direct Debit or standing order you no longer need. For most, you can cancel these online or over the phone, but it’s worth checking any contracts you may have to avoid any cancellation fee or penalty. 9. “Do I really need this?” If you're asking yourself that question, there is a good chance you already know the answer. From gym memberships to online subscriptions, if you’re not using it, cancel it. If that feels a bit drastic you can often pause payments to test the water first. Be strong. 10. Get rewarded for spending It makes sense to do your research to find the best price but there are also ways you could earn some money back when you spend too. With a NatWest Reward bank account you could earn £4 a month back in Rewards for 2 or more Direct Debits – they'll need to be at least £2 each. Plus, get an extra £1 a month back in Rewards for logging into the NatWest app once. You could then exchange your Rewards for money, gift cards or donate them to charity. To apply, you need to be 18+ and a UK resident. To hold this account, you need to pay in £1,250 to an eligible NatWest account every month.
Markdown	[Skip to main content](https://www.natwest.com/life-moments/managing-your-money/top-money-saving-tips.html#main-content-wrapper) - [Personal](https://www.natwest.com/) - [Premier](https://www.natwest.com/premier-banking.html) - [Business](https://www.natwest.com/business.html) - [Corporates & Institutions](https://www.natwest.com/corporates.html) - [NatWest Group](https://www.natwestgroup.com/) [Log in](https://www.onlinebanking.natwest.com/Default.aspx) [Log in](https://www.onlinebanking.natwest.com/Default.aspx) [![NatWest Logo](https://www.natwest.com/content/dam/championlogos/Natwest_Secondary_Horizontal_RGB_NEG.svg)](https://www.natwest.com/ "NatWest Logo") Menu Close [![NatWest Logo](https://www.natwest.com/content/dam/championlogos/Natwest_Secondary_Horizontal_RGB_NEG.svg)](https://www.natwest.com/ "NatWest Logo") Close - [Personal](https://www.natwest.com/) - [Premier](https://www.natwest.com/premier-banking.html) - [Business](https://www.natwest.com/business.html) - [Corporates & Institutions](https://www.natwest.com/corporates.html) - [NatWest Group](https://www.natwestgroup.com/) Personal Premier Business Corporates & Institutions NatWest Group - [Products](https://www.natwest.com/) [Products]() - [Bank accounts](https://www.natwest.com/current-accounts.html) - Bank accounts 1. 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[How much could I borrow?](https://www.natwest.com/mortgages/mortgage-calculators/how-much-can-i-borrow.html) 3. [Mortgage guides](https://www.natwest.com/mortgages/mortgage-guides.html) 4. [Overpayment calculator](https://www.natwest.com/mortgages/mortgage-calculators/mortgage-overpayment-tool.html) 5. [Equity calculator](https://www.natwest.com/mortgages/mortgage-calculators/equity-calculator.html) 6. [Track your mortgage application online](https://www.natwest.com/mortgages/applying-for-a-mortgage/mortgage-application-tracker.html) 7. [Tariff of mortgage charges](https://www.natwest.com/content/dam/natwest_com/mortgages/downloads/Tariff_of_Charges_NW.pdf) 8. [Mortgage offer extension](https://www.natwest.com/mortgages/applying-for-a-mortgage.html#extension) - [Savings](https://www.natwest.com/savings.html) - Savings 1. [View all our savings accounts](https://www.natwest.com/savings.html) 2. [Digital Regular Saver](https://www.natwest.com/savings/digital-regular-saver.html) 3. [Flexible Saver](https://www.natwest.com/savings/flexible-saver.html) 4. [Fixed Term Savings](https://www.natwest.com/savings/fixed-term-savings-account.html) 5. [View our Cash ISAs](https://www.natwest.com/savings/isa-overview.html) 6. [Instant access Cash ISA](https://www.natwest.com/savings/isa-overview/cash-isa.html) 7. [Fixed Rate ISA](https://www.natwest.com/savings/isa-overview/fixed-isa.html) 8. [Children's savings](https://www.natwest.com/savings/first-saver.html) 9. [Joint savings account](https://www.natwest.com/savings/joint-savings-accounts.html) - Already have savings with us? 1. [Manage your savings](https://www.natwest.com/savings/existing-customers.html) 2. [Round Ups](https://www.natwest.com/savings/tools-for-savings/round-ups.html) - Help with savings 1. [ISA guide](https://www.natwest.com/savings/isa-overview/isa-guides.html) 2. [Savings guides](https://www.natwest.com/savings/savings-guides.html) 3. [Savings Goal Tool](https://www.natwest.com/savings/tools-for-savings/app-savings-tools.html) 4. [Budget Calculator](https://www.natwest.com/life-moments/managing-your-money/life-moments.html) 5. [How to start saving money](https://www.natwest.com/savings/how-to-start-saving-money.html) 6. [Bank account vs Savings account](https://www.natwest.com/current-accounts/bank-account-vs-savings-account.html) - [Loans](https://www.natwest.com/loans.html) - Loans 1. [See our loans](https://www.natwest.com/loans.html) 2. [Car loans](https://www.natwest.com/loans/car-loans.html) 3. [Debt consolidation loans](https://www.natwest.com/loans/debt-consolidation.html) 4. [Home improvement loans](https://www.natwest.com/loans/home-improvement-loans.html) 5. [Wedding loans](https://www.natwest.com/loans/wedding-loans.html) 6. [Holiday loans](https://www.natwest.com/loans/holiday-loans-loans-for-a-holiday-natwest.html) 7. [Joint loans](https://www.natwest.com/loans/joint-loans.html) - Already have a loan with us? 1. [Manage your loan](https://www.natwest.com/loans/existing-customers.html) 2. [Top up your loan](https://www.natwest.com/loans/borrowing-more.html) - Help with loans 1. [Loan calculator](https://www.natwest.com/loans/tools/loan-calculator.html) 2. [Quick Quote](https://www.natwest.com/loans/QuickQuote.html) 3. [How to apply for a loan](https://www.natwest.com/loans/how-to-apply-for-a-loan.html) 4. [Loan guides](https://www.natwest.com/loans/loan-guides.html) 5. [Check your Credit Score](https://www.natwest.com/banking-with-natwest/natwest-app/features/know-my-credit-score.html) 6. [Compare options to borrow money](https://www.natwest.com/borrowing-needs/borrowing-needs-tool.html) - [Child and teen](https://www.natwest.com/current-accounts/childrens-accounts.html) - Child and teen 1. [See all our child and teen banking options](https://www.natwest.com/current-accounts/childrens-accounts.html) 2. [Pocket money app and card](https://www.natwest.com/current-accounts/childrens-accounts/kids-prepaid-pocket-money-card.html) 3. [Child and teen account](https://www.natwest.com/current-accounts/childrens-accounts/adapt_account.html) 4. [Teen bank account (age 16-17)](https://www.natwest.com/current-accounts/childrens-accounts/teen-bank-account-adapt.html) 5. [NatWest Junior ISA](https://www.natwest.com/investments/junior-isa.html) 6. [First Saver](https://www.natwest.com/savings/first-saver.html) 7. [Compare our kids debit card options](https://www.natwest.com/current-accounts/childrens-accounts/debit-card-under-18s.html) - Already bank with us? 1. [Manage my Adapt](https://www.natwest.com/current-accounts/existing-customers/adapt-account.html) 2. [Manage my Junior ISA](https://www.natwest.com/investments/existing-customers/natwest-junior-isa.html) 3. [Manage my Savings](https://www.natwest.com/savings/existing-customers.html) 4. [Manage my Rooster](https://www.natwest.com/current-accounts/existing-customers/manage-my-rooster-subscription.html) 5. [Child Trust Fund](https://www.natwest.com/investments/existing-customers/Child_Trust_Fund.html) - Financial wellbeing and confidence 1. [Children's guides](https://www.natwest.com/kids-and-teens-banking/childrens-guides.html) 2. [NatWest Thrive](https://www.natwest.com/kids-and-teens-banking/thrive.html) - [Investments](https://www.natwest.com/investments.html) - Invest with us 1. [View all our Invest accounts](https://www.natwest.com/investments.html) 2. [Stocks and Shares ISA](https://www.natwest.com/investments/stocks-and-shares-isa.html) 3. [General Investment Account](https://www.natwest.com/investments/general-investment-account.html) 4. [Pensions](https://www.natwest.com/investments/pensions.html) 5. [Junior ISA](https://www.natwest.com/investments/junior-isa.html) 6. [Ready-made funds](https://www.natwest.com/investments/five-ready-made-funds.html) 7. [Fund performance](https://www.natwest.com/investments/existing-customers/personal-portfolio-funds.html) - Investment support 1. [Investing for beginners](https://www.natwest.com/personal/investments/our-insights.html#beginners) 2. [Experienced investors](https://www.natwest.com/personal/investments/our-insights.html#experienced) 3. [Future planning](https://www.natwest.com/personal/investments/our-insights.html#ahead) 4. [Market updates](https://www.natwest.com/personal/investments/our-insights.html#explore) 5. [Online Investment Advice](https://www.natwest.com/investments/online-investment-advice.html) 6. [Investment fee calculator](https://www.natwest.com/investments/investment-fees.html) - Already investing with us 1. [Log in to NatWest Invest](https://invest.natwest.com/Root/Login) 2. [About your investments](https://www.natwest.com/investments/existing-customers.html) 3. [Key customer documents](https://www.natwest.com/investments/existing-customers/Key_Customer_Documents.html) - [Credit cards](https://www.natwest.com/credit-cards.html) - Credit cards 1. [See all our credit cards](https://www.natwest.com/credit-cards.html) 2. [Purchase & Balance Transfer card](https://www.natwest.com/credit-cards/purchase-and-balance-transfer.html) 3. [Balance Transfer credit card](https://www.natwest.com/credit-cards/balance-transfer-credit-card.html) 4. [Longer Balance Transfer card](https://www.natwest.com/credit-cards/longer-balance-transfer.html) 5. [Travel Reward credit card](https://www.natwest.com/credit-cards/travel-reward-credit-card.html) 6. [The NatWest Credit Card](https://www.natwest.com/credit-cards/the-natwest-credit-card.html) 7. [Reward credit card](https://www.natwest.com/credit-cards/reward-credit-card.html) 8. [Reward Black credit card](https://www.natwest.com/credit-cards/reward-black-credit-card.html) 9. [NatWest Credit Builder Card](https://www.natwest.com/credit-cards/natwest-credit-builder-card.html) - Already have a credit card with us? 1. [Manage your credit card](https://www.natwest.com/credit-cards/existing-customers.html) 2. [Fees & charges](https://www.natwest.com/credit-cards/existing-customers/fees-and-charges.html) 3. [Instalment Plans](https://www.natwest.com/credit-cards/existing-customers/instalment-lending.html) - Help with credit cards 1. [How to apply for a credit card](https://www.natwest.com/credit-cards/how-to-apply-for-credit-card.html) 2. [Credit card guides](https://www.natwest.com/credit-cards/credit-card-guides.html) 3. [Credit card repayment calculator](https://www.natwest.com/credit-cards/tools-calculators/repayment-calculator.html) 4. [Check your Credit Score](https://www.natwest.com/banking-with-natwest/natwest-app/features/know-my-credit-score.html) 5. [Compare options to borrow money](https://www.natwest.com/borrowing-needs/borrowing-needs-tool.html) - [Insurance](https://www.natwest.com/insurance.html) - I'm looking 1. [For home insurance](https://www.natwest.com/insurance/home-insurance.html) 2. [To manage my existing home insurance](https://www.natwest.com/insurance/existing-customer-home-insurance.html) - I'm looking: 1. [For life insurance](https://www.natwest.com/insurance/life-insurance.html) 2. [To manage my existing life insurance](https://www.natwest.com/personal/insurance/existing-customers-life-insurance.html#Man) - I’m interested in: 1. [Travel insurance with NatWest bank accounts](https://www.natwest.com/insurance/travel-insurance.html) - [Reward accounts and cards]() - Reward accounts and cards 1. [Reward account](https://www.natwest.com/current-accounts/reward_account.html) 2. [Reward Silver account](https://www.natwest.com/current-accounts/reward_silver_account.html) 3. [Reward Platinum account](https://www.natwest.com/current-accounts/reward_platinum_account.html) 4. [Premier Reward account](https://www.natwest.com/premier-banking/products/current-accounts/premier-reward-account.html) 5. [Premier Reward Black account](https://www.natwest.com/premier-banking/products/current-accounts/reward-black-account.html) 6. [Reward credit card](https://www.natwest.com/credit-cards/reward-credit-card.html) 7. [Reward Black credit card](https://www.natwest.com/credit-cards/reward-black-credit-card.html) 8. [Travel Reward credit card](https://www.natwest.com/credit-cards/travel-reward-credit-card.html) - Make the most of MyRewards 1. [MyRewards](https://www.natwest.com/myrewards.html) 2. [How to earn rewards](https://www.natwest.com/myrewards/earn.html) 3. [How to exchange rewards](https://www.natwest.com/myrewards/exchange.html) 4. [MyRewards Terms and Exclusions](https://www.natwest.com/myrewards/terms-and-exclusions.html) - Access MyRewards 1. [Access MyRewards through the NatWest app](https://personal.secure1.natwest.com/app/MyRewards) 2. [Access MyRewards through Online Banking](https://www.onlinebanking.natwest.com/Default.aspx) - [Overdrafts](https://www.natwest.com/current-accounts/overdrafts.html) - Overdrafts 1. [Apply or manage your overdraft](https://www.natwest.com/current-accounts/overdrafts.html) 2. [Student overdraft](https://www.natwest.com/current-accounts/overdrafts/student-overdraft.html) 3. [Graduate overdraft](https://www.natwest.com/current-accounts/overdrafts/graduate-overdraft.html) - Help with overdrafts 1. [Overdrafts guide](https://www.natwest.com/current-accounts/overdrafts/what-is-an-overdraft.html) 2. [Overdraft eligibility calculator](https://www.natwest.com/current-accounts/overdrafts/eligibility-checker.html) 3. [Overdraft cost calculator](https://www.natwest.com/current-accounts/overdrafts/olb/overdraft-calculator.html) - [Travel](https://www.natwest.com/life-moments/travel.html) - Travel products 1. [Travelling with NatWest](https://www.natwest.com/life-moments/travel.html) 2. [Travel account](https://www.natwest.com/life-moments/travel/spending-abroad/travel-account.html) 3. [Travel Reward Credit Card](https://www.natwest.com/credit-cards/travel-reward-credit-card.html) 4. [The NatWest Credit Card](https://www.natwest.com/credit-cards/the-natwest-credit-card.html) 5. [Reward Black Credit Card](https://www.natwest.com/credit-cards/reward-black-credit-card.html) 6. [Travel insurance](https://www.natwest.com/insurance/travel-insurance.html) 7. [Travel money](https://www.natwest.com/life-moments/travel/travel-money.html) 8. [Holiday loans](https://www.natwest.com/loans/holiday-loans-loans-for-a-holiday-natwest.html) 9. [Send money abroad](https://www.natwest.com/banking-with-natwest/how-to/send-money-abroad.html) - Help with our travel products 1. [Using your debit card abroad](https://www.natwest.com/life-moments/travel/spending-abroad.html) 2. [Using a travel credit card](https://www.natwest.com/credit-cards/travel-credit-cards.html) - [Help and support](https://www.natwest.com/support-centre.html) [Help and support]() - [Support Centre](https://www.natwest.com/support-centre.html) - Support Centre 1. [Explore our Support centre](https://www.natwest.com/support-centre.html) 2. [Accessibility and disability](https://www.natwest.com/life-moments/help-for-every-situation.html#Accessibility) 3. [Help with money worries](https://www.natwest.com/life-moments/help-for-every-situation.html#Money) 4. [Dealing with difficult life events](https://www.natwest.com/life-moments/help-for-every-situation.html#Life) 5. [Bereavement support](https://www.natwest.com/life-moments/bereavement.html) 6. [Card payment support](https://www.natwest.com/fraud-and-security/card-payment-help.html) 7. [Service status](https://www.natwest.com/service-status.html) - Contact us 1. [Contact us](https://www.natwest.com/support-centre/contact-us.html) 2. [Ask Cora](https://www.natwest.com/support-centre/cora.html) 3. [Complaints](https://www.natwest.com/support-centre/how-to-complain.html) 4. [Find your nearest branch](https://locator.natwest.com/) - [Support with your product](https://www.natwest.com/life-moments/managing-your-money/top-money-saving-tips.html) - Support with your product 1. [Access MyRewards](https://www.natwest.com/myrewards.html) 2. [Manage your current account](https://www.natwest.com/current-accounts/existing-customers.html) 3. [Manage your mortgage](https://www.natwest.com/mortgages/existing-customers.html) 4. [Manage your loan](https://www.natwest.com/loans/existing-customers.html) 5. [Manage your credit card](https://www.natwest.com/credit-cards/existing-customers.html) 6. [Manage your savings account](https://www.natwest.com/savings/existing-customers.html) 7. [Manage your investments](https://www.natwest.com/investments/existing-customers.html) 8. [Manage your home insurance](https://www.natwest.com/insurance/existing-customer-home-insurance.html) 9. [Manage your car insurance](https://www.natwest.com/insurance/existing-customer-car-insurance.html) - [Help with everyday banking](https://www.natwest.com/life-moments/managing-your-money/top-money-saving-tips.html) - Help with everyday banking 1. [Help with registering on the app](https://www.natwest.com/banking-with-natwest/natwest-app.html) 2. [How to use the app](https://www.natwest.com/banking-with-natwest/natwest-app/how-to-use-the-natwest-app.html) 3. [Help with registering for online banking](https://www.natwest.com/banking-with-natwest/register-for-online-banking.html) 4. [How to use online banking](https://www.natwest.com/banking-with-natwest/register-for-online-banking/how-to-use-online-banking.html) 5. [Ways to pay by card](https://www.natwest.com/waystopay.html) 6. [Banking My Way](https://www.natwest.com/accessibility/banking-my-way.html) - [You and your money](https://www.natwest.com/life-moments.html) [You and your money]() - [Money Blog](https://www.natwest.com/money-blog.html) - Latest posts 1. [5 simple New Year climate resolutions](https://www.natwest.com/money-blog/energy-saving-tips/5-new-year-climate-resolutions-for-2022.html) 2. [Autumn Budget: what it means for you](https://www.natwest.com/money-blog/money-management/autumn-budget-what-it-means-for-you.html) 3. [Good vs bad debt: what's the difference?](https://www.natwest.com/money-blog/borrowing-and-debt-management/good-debt-versus-bad-debt.html) - Energy Saving tips 1. [Can a low carbon lifestyle save me money?](https://www.natwest.com/money-blog/energy-saving-tips/can-a-low-carbon-lifestyle-save-me-money.html) 2. [How can I make my home more energy efficient?](https://www.natwest.com/money-blog/energy-saving-tips/how-can-I-make-my-home-more-energy-efficient.html) 3. [Buying an energy efficient home](https://www.natwest.com/money-blog/energy-saving-tips/buying-an-energy-efficient-home.html) - Saving and budgeting 1. [How much emergency savings should I have?](https://www.natwest.com/money-blog/saving-and-budgeting/how-much-emergency-saving-should-i-have.html) 2. [Top money saving challenges](https://www.natwest.com/money-blog/saving-and-budgeting/top-money-saving-challenges.html) 3. [How to save on your vehicle insurance](https://www.natwest.com/money-blog/saving-and-budgeting/how-to-reduce-vehicle-insurance-bills.html) - [Managing your money]() - Money management guides 1. [Tips on managing your money](https://www.natwest.com/life-moments/managing-your-money.html) 2. [Reducing your household bills](https://www.natwest.com/life-moments/managing-your-money/household-bills.html) 3. [Teaching kids about money](https://www.natwest.com/life-moments/teaching-kids-about-money.html) 4. [What is my take home pay?](https://www.natwest.com/life-moments/managing-your-money/calculate-take-home-pay.html) - Tools to help manage your money 1. [Financial Health Check](https://www.natwest.com/financial-health-check.html) 2. [Round Ups](https://www.natwest.com/savings/tools-for-savings/round-ups.html) 3. [Savings Goal Tool](https://www.natwest.com/savings/tools-for-savings/app-savings-tools.html) 4. [Spending and Budget Tracker](https://www.natwest.com/banking-with-natwest/natwest-app/features/spending-and-budgets.html) 5. [Check your Credit Score](https://www.natwest.com/banking-with-natwest/natwest-app/features/know-my-credit-score.html) 6. [Overdraft calculator](https://www.natwest.com/current-accounts/overdrafts/olb/overdraft-calculator.html) 7. [Banking My Way](https://www.natwest.com/accessibility/banking-my-way.html) 8. [Compare options to borrow money](https://www.natwest.com/borrowing-needs/borrowing-needs-tool.html) - [Family Finances](https://www.natwest.com/life-moments/family-banking.html) - [Life Moments](https://www.natwest.com/life-moments.html) - Supporting you through life events 1. [Buying your first home](https://www.natwest.com/mortgages/first-time-buyers/first-time-buyer-guide.html) 2. [Buying a car](https://www.natwest.com/life-moments/buying-a-car.html) 3. [Going to university](https://www.natwest.com/life-moments/students-and-graduates.html) - Help planning for later life 1. [Bereavement](https://www.natwest.com/life-moments/bereavement.html) 2. [Planning for later life](https://www.natwest.com/life-moments/planning-for-later-life.html) 3. [Retirement and pensions](https://www.natwest.com/investments/pensions.html) 4. [Will writing and Executor service](https://www.natwest.com/life-moments/bereavement/will-writing-service.html) - [Your home](https://www.natwest.com/life-moments.html) - Making a move 1. [Buying your first home](https://www.natwest.com/mortgages/first-time-buyers/first-time-buyer-guide.html) 2. [Buying a new home](https://www.natwest.com/mortgages.html) 3. [How much could I borrow?](https://www.natwest.com/mortgages/mortgage-calculators/how-much-can-i-borrow.html) 4. [Renting guide](https://www.natwest.com/life-moments/renting-guide.html) - Making a change 1. [Remortgage guide](https://www.natwest.com/mortgages/remortgage-to-natwest/remortgage-guide.html) 2. [Home improvement guide](https://www.natwest.com/life-moments/home-improvements.html) 3. [Buying a second home](https://www.natwest.com/mortgages/mortgage-guides/second-home-mortgages.html) 4. [Buy to let guide](https://www.natwest.com/mortgages/buy-to-let/buy-to-let-mortgage-guide.html) 5. [Reducing your household bills](https://www.natwest.com/life-moments/managing-your-money/household-bills.html) - [Travel](https://www.natwest.com/life-moments/travel.html) - Help when travelling abroad 1. [Travel guide](https://www.natwest.com/life-moments/travel.html) 2. [Spending abroad](https://www.natwest.com/life-moments/travel/spending-abroad.html) 3. [How to travel more sustainably](https://www.natwest.com/climate/sustainable-living/sustainable-travel-ideas.html) - [Banking with us](https://www.natwest.com/banking-with-natwest.html) [Banking with us]() - [Banking from home](https://www.natwest.com/banking-with-natwest/natwest-app.html) - Banking from home 1. [Download the NatWest app](https://www.natwest.com/banking-with-natwest/natwest-app.html) 2. [What is the NatWest app?](https://www.natwest.com/banking-with-natwest/natwest-app/features.html) 3. [Register for Online Banking](https://www.natwest.com/banking-with-natwest/register-for-online-banking.html) 4. [Learn about Online Banking](https://www.natwest.com/banking-with-natwest/register-for-online-banking/features.html) - Existing customer support 1. [How to use the NatWest app](https://www.natwest.com/banking-with-natwest/natwest-app/how-to-use-the-natwest-app.html) 2. [How to use Online Banking](https://www.natwest.com/banking-with-natwest/register-for-online-banking/how-to-use-online-banking.html) - [Over the phone or video](https://www.natwest.com/banking-with-natwest.html) - Over the phone or video 1. [Our Video Banking service](https://www.natwest.com/banking-with-natwest/other-ways-to-bank-with-natwest/natwest-video-banking-service.html) 2. [Call us for telephone banking](https://www.natwest.com/banking-with-natwest/other-ways-to-bank-with-natwest/natwest-telephone-banking.html) - [Banking near me](https://www.natwest.com/banking-with-natwest/other-ways-to-bank-with-natwest/natwest-banking-near-me.html) - [All the ways you can bank with us](https://www.natwest.com/banking-with-natwest.html) - [Access to cash](https://www.natwest.com/banking-with-natwest/access-to-cash.html) - [Send money abroad](https://www.natwest.com/banking-with-natwest/how-to/send-money-abroad.html) - [Security and fraud](https://www.natwest.com/fraud-and-security.html) [Security and fraud]() - [Security and fraud](https://www.natwest.com/fraud-and-security.html) - Protecting your money 1. [Get tips to avoid scams](https://www.natwest.com/fraud-and-security/fraud-guide.html) 2. [My Security Profile](https://www.natwest.com/fraud-and-security/my-security-profile.html) 3. [Learn about face and voice approvals](https://www.natwest.com/fraud-and-security/sca.html) 4. [How we protect you](https://www.natwest.com/fraud-and-security/how-we-protect-you.html) - Taking action 1. [Report a fraud or scam](https://www.natwest.com/fraud-and-security/report-fraud.html) 2. [Raise a dispute](https://www.natwest.com/fraud-and-security/retaildisputes/card-payment-dispute.html) 3. [Card payment support](https://www.natwest.com/fraud-and-security/card-payment-help.html) - [Climate](https://www.natwest.com/climate.html) [Climate]() - [Save energy at home](https://www.natwest.com/energy-at-home.html) - Save energy at home 1. [Home Energy Hub](https://www.natwest.com/energy-at-home.html) 2. [Home Energy Plan](https://www.natwest.com/energy-at-home.html) 3. [Save money on your energy bills](https://www.natwest.com/energy-at-home/save-money-on-your-energy-bills.html) 4. [EPC certificate guide](https://www.natwest.com/energy-at-home/what-is-an-epc-certificate.html) 5. 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[Making the most of your money](https://www.natwest.com/life-moments/managing-your-money.html "Making the most of your money") 4. [10 ways to help you save 10 ways to help you save]() Managing your money # Money saving hints and tips ## 10 ways to help you save From reviewing your direct debits to switching energy supplier, there are lots of great ways you could save money each month. It might help give you a bit of extra cash to save for a rainy day. Here's some of our top tips. ![](https://www.natwest.com/life-moments/managing-your-money/top-money-saving-tips/_jcr_content/root/responsivegrid/singlearticle_copy_c/singlearticle/article_image.coreimg.svg/1692277236234/illus-web-pink-phone-pie-chart-shopping.svg) ### 1\. Set a budget A good habit is to set a monthly budget to plan your spending. It could help you spend less and save more. With the NatWest app, you could [categorise your current account transactions](https://www.natwest.com/banking-with-natwest/natwest-app/features/spending-and-budgets.html) (e.g. household bills, groceries, eating out, travel, etc) to give you a more detailed picture of where you spend your money and help you to spot opportunities to save each month or even [donate to charity](https://www.natwest.com/life-moments/managing-your-money/donating-to-charity.html). [Check out our budgeting guide Open in new window](https://www.natwest.com/life-moments/managing-your-money/budgeting-guide.html) Our App can be used on compatible iOS and Android devices. You'll need a UK or international mobile number in specific countries. Spending Tracker is available to customers aged 16+ who have a Personal or Premier account with us. ### 3\. Save money on frequent travel Taking the train to work everyday? Or maybe you're a regular on your local bus route? If you're buying tickets on the day, you might be spending more than you need to. Check with your travel company to see if they offer discounted digital tickets, weekly or monthly passes or season tickets to help you save. [play video]() ![](https://img.youtube.com/vi/78ojT9kBHzE/sddefault.jpg) ### 4\. Set a savings goal Make a list of short and longer term goals to work towards and watch your savings grow. On average, customers save twice as much when they [save towards a goal](https://www.natwest.com/savings/tools-for-savings/savings-goal-tool.html). Get ahead of the game and set-up a standing order to save a little each month too before all your bills come out. A great strategy. warning Message Our savings goal tool is available to existing customers with an instant access savings account. ![](https://www.natwest.com/life-moments/managing-your-money/top-money-saving-tips/_jcr_content/root/responsivegrid/singlearticle/singlearticle/article_image.coreimg.svg/1692277236520/illus-web-purple-phone-with-pound-coin-onscreen-and-takeout-coffee.svg) ### 5\. Save your spare change as you spend Let your bank do the hard work for you by rounding up your everyday spending to boost your savings. When you pay with your debit card, the amount will be rounded up to the nearest pound, sending the spare change straight into your savings account. Check out our Round Ups tool to find out how to get started. [Get started with Round Ups Open in new window](https://www.natwest.com/savings/tools-for-savings/round-ups.html) Round Ups is available to customers with an eligible current account, an eligible instant access savings account and the Mobile App. Applies to debit card and contactless device payments in sterling only. Mobile App criteria applies. ### 6\. Reduce your energy, go greener Reducing your carbon footprint has never been more important. But we spend a lot of money on gas and electricity. That's why we've pulled together our [top energy saving tips](https://www.natwest.com/banking-with-natwest/our-purpose/climate/home/reduce-your-carbon-footprint-at-home.html). We want to help save you money, and reduce your carbon footprint at the same time. ![](https://www.natwest.com/life-moments/managing-your-money/top-money-saving-tips/_jcr_content/root/responsivegrid/singlearticle_copy_c_310317474/singlearticle/article_image.coreimg.svg/1692277236624/illus-web-yellow-wind-turbine-inside-light-bulb.svg) ### 6\. Switch energy supplier Due to the current situation with increasing wholesale energy prices and a number of energy companies unable to continue trading, it might be more difficult to find a deal when looking to switch your energy supplier at the moment. [Learn more about the changes in the energy market Open in new window](https://www.natwest.com/energy-at-home/save-money-on-your-energy-bills.html#switching-energy-supplier) ### 7\. Shop around on your broadband, TV and phone contracts Whether it’s your mobile phone contract, broadband or TV package, there are deals out there, especially if you’ve been with your current provider for a while or maybe it’s no longer giving you what you need. By checking on the latest deals you could save or get more for your money and switching could be easier than you think. [Discover more about saving on your phone and broadband bills Open in new window](https://www.natwest.com/life-moments/managing-your-money/reduce-phone-bills.html) ![](https://www.natwest.com/life-moments/managing-your-money/top-money-saving-tips/_jcr_content/root/responsivegrid/singlearticle_copy_c_2014880337/singlearticle/article_image.coreimg.png/1692277236697/how-to-make-a-payment-to-an-existing-payee-using-the-natwest-rbs-mobile-app.png) ### 8\. Ditch that old Direct Debit With the [NatWest app](https://www.natwest.com/banking-with-natwest/natwest-app/how-to-use-the-natwest-app.html) take some time to scroll through regular payments, it’s possible you’ll discover at least one Direct Debit or standing order you no longer need. For most, you can cancel these online or over the phone, but it’s worth checking any contracts you may have to avoid any cancellation fee or penalty. ### 9\. “Do I really need this?” If you're asking yourself that question, there is a good chance you already know the answer. From gym memberships to online subscriptions, if you’re not using it, cancel it. If that feels a bit drastic you can often pause payments to test the water first. Be strong. ![](https://www.natwest.com/life-moments/managing-your-money/top-money-saving-tips/_jcr_content/root/responsivegrid/singlearticle_copy_4_487229860/singlearticle/article_image.coreimg.svg/1692277236786/illus-web-pink-phone-with-bank-card-and-banknote-on-screen.svg) ### 10\. Get rewarded for spending It makes sense to do your research to find the best price but there are also ways you could earn some money back when you spend too. With a [NatWest Reward bank account](https://www.natwest.com/current-accounts/reward_account.html) you could earn £4 a month back in Rewards for 2 or more Direct Debits – they'll need to be at least £2 each. Plus, get an extra £1 a month back in Rewards for logging into the NatWest app once. You could then exchange your Rewards for money, gift cards or donate them to charity. To apply, you need to be 18+ and a UK resident. To hold this account, you need to pay in £1,250 to an eligible NatWest account every month. [Earn Rewards with NatWest Open in new window](https://www.natwest.com/myrewards.html) - [![](https://www.natwest.com/content/dam/championlogos/icons-web-white-question-mark.svg)Support Centre](https://www.natwest.com/support-centre.html) - [![](https://www.natwest.com/content/dam/championlogos/icons-web-white-locate-pin.svg)Find a branch](https://www.natwest.com/search-results/locator.html) - [![](https://www.natwest.com/content/dam/championlogos/icons-web-white-mobile-phone.svg)Get the NatWest app](https://rbs.onelink.me/3054929945?pid=Webpage&c=N_HPTO_Int_MOB_NWPERFOOT_NWPERFOOT_NWPEF_AA) #### Products - [Bank accounts](https://www.natwest.com/current-accounts.html) - [Savings](https://www.natwest.com/savings.html) - [Investments](https://www.natwest.com/investments.html) - [Credit cards](https://www.natwest.com/credit-cards.html) - [Loans](https://www.natwest.com/loans.html) - [Overdrafts](https://www.natwest.com/current-accounts/overdrafts.html) - [Mortgages](https://www.natwest.com/mortgages.html) - [Insurance](https://www.natwest.com/insurance.html) - [Reward accounts and cards](https://www.natwest.com/myrewards.html) #### Life Moments - [View all Life moments](https://www.natwest.com/life-moments.html) - [Managing your money](https://www.natwest.com/life-moments/managing-your-money.html) - [Struggling financially](https://www.natwest.com/life-moments/Struggling-financially.html) - [Bereavement](https://www.natwest.com/life-moments/bereavement.html) - [Financial Health Check](https://www.natwest.com/financial-health-check.html) - [First time buyer guide](https://www.natwest.com/mortgages/first-time-buyers/first-time-buyer-guide.html) - [Travel Guide](https://www.natwest.com/life-moments/travel.html) - [Financial abuse](https://www.natwest.com/life-moments/financial-abuse.html) #### Help and support - [Support](https://www.natwest.com/support-centre.html) - [Security](https://www.natwest.com/fraud-and-security.html) - [Service status](https://www.natwest.com/service-status.html) - [NatWest app](https://www.natwest.com/banking-with-natwest/natwest-app.html) - [Online Banking](https://www.natwest.com/banking-with-natwest/register-for-online-banking.html) - [Banking with NatWest](https://www.natwest.com/banking-with-natwest.html) - [Home Energy Hub](https://www.natwest.com/energy-at-home.html) - [Detecting and preventing financial crime](https://www.natwestgroup.com/sustainability/governance-and-responsible-business/detecting-and-preventing-financial-crime.html) - [Access to cash](https://www.natwest.com/banking-with-natwest/access-to-cash.html) - [Privacy & Cookies](https://www.natwest.com/global/cookie-privacy.html) - [Website T\&Cs](https://www.natwest.com/website-terms-and-FSCS.html) - [Accessibility](https://www.natwest.com/accessibility/online-accessibility.html) - [Careers](https://jobs.natwestgroup.com/) - [Site Map](https://www.natwest.com/site-map.html) - [Modern Slavery Act (PDF 6MB)](https://www.natwestgroup.com/content/dam/natwestgroup_com/natwestgroup/Docs/web-pages/2025/sustainability/NWG047-MSA-2024-final-pdf-250612.pdf) - [![Facebook](https://www.natwest.com/content/dam/championlogos/footer-logos/Facebook-Default.svg) ![Facebook](https://www.natwest.com/content/dam/championlogos/footer-logos/Facebook-Hover.svg)](https://www.facebook.com/NatWest "Facebook (opens in a new tab)") - [![Twitter](https://www.natwest.com/content/dam/championlogos/footer-logos/Twitter-Default.svg) ![Twitter](https://www.natwest.com/content/dam/championlogos/footer-logos/Twitter-Hover.svg)](https://twitter.com/NatWest_Help "Twitter (opens in a new tab)") - [![LinkedIn](https://www.natwest.com/content/dam/championlogos/footer-logos/LinkedIn-Default.svg) ![LinkedIn](https://www.natwest.com/content/dam/championlogos/footer-logos/LinkedIn-Hover.svg)](https://www.linkedin.com/company/natwest "LinkedIn (opens in a new tab)") [![Protecting your money FSCS protected - downloads PDF](https://www.natwest.com/content/dam/championlogos/footer-logos/FSCS.png)](https://www.natwest.com/content/dam/natwest/business/current-accounts/documents/FSCS_leaflet.pdf) [FSCS.org.uk](https://www.fscs.org.uk/ "fscs") Copyright © National Westminster Bank plc 2026. Registered office: 250 Bishopsgate, London, EC2M 4AA. Opens in a new window
Readable Markdown	From reviewing your direct debits to switching energy supplier, there are lots of great ways you could save money each month. It might help give you a bit of extra cash to save for a rainy day. Here's some of our top tips. ![](https://www.natwest.com/life-moments/managing-your-money/top-money-saving-tips/_jcr_content/root/responsivegrid/singlearticle_copy_c/singlearticle/article_image.coreimg.svg/1692277236234/illus-web-pink-phone-pie-chart-shopping.svg) 1\. Set a budget A good habit is to set a monthly budget to plan your spending. It could help you spend less and save more. With the NatWest app, you could [categorise your current account transactions](https://www.natwest.com/banking-with-natwest/natwest-app/features/spending-and-budgets.html) (e.g. household bills, groceries, eating out, travel, etc) to give you a more detailed picture of where you spend your money and help you to spot opportunities to save each month or even [donate to charity](https://www.natwest.com/life-moments/managing-your-money/donating-to-charity.html). Our App can be used on compatible iOS and Android devices. You'll need a UK or international mobile number in specific countries. Spending Tracker is available to customers aged 16+ who have a Personal or Premier account with us. 3\. Save money on frequent travel Taking the train to work everyday? Or maybe you're a regular on your local bus route? If you're buying tickets on the day, you might be spending more than you need to. Check with your travel company to see if they offer discounted digital tickets, weekly or monthly passes or season tickets to help you save. 4\. Set a savings goal Make a list of short and longer term goals to work towards and watch your savings grow. On average, customers save twice as much when they [save towards a goal](https://www.natwest.com/savings/tools-for-savings/savings-goal-tool.html). Get ahead of the game and set-up a standing order to save a little each month too before all your bills come out. A great strategy. warning Message Our savings goal tool is available to existing customers with an instant access savings account. ![](https://www.natwest.com/life-moments/managing-your-money/top-money-saving-tips/_jcr_content/root/responsivegrid/singlearticle/singlearticle/article_image.coreimg.svg/1692277236520/illus-web-purple-phone-with-pound-coin-onscreen-and-takeout-coffee.svg) 5\. Save your spare change as you spend Let your bank do the hard work for you by rounding up your everyday spending to boost your savings. When you pay with your debit card, the amount will be rounded up to the nearest pound, sending the spare change straight into your savings account. Check out our Round Ups tool to find out how to get started. Round Ups is available to customers with an eligible current account, an eligible instant access savings account and the Mobile App. Applies to debit card and contactless device payments in sterling only. Mobile App criteria applies. 6\. Reduce your energy, go greener Reducing your carbon footprint has never been more important. But we spend a lot of money on gas and electricity. That's why we've pulled together our [top energy saving tips](https://www.natwest.com/banking-with-natwest/our-purpose/climate/home/reduce-your-carbon-footprint-at-home.html). We want to help save you money, and reduce your carbon footprint at the same time. ![](https://www.natwest.com/life-moments/managing-your-money/top-money-saving-tips/_jcr_content/root/responsivegrid/singlearticle_copy_c_310317474/singlearticle/article_image.coreimg.svg/1692277236624/illus-web-yellow-wind-turbine-inside-light-bulb.svg) 6\. Switch energy supplier Due to the current situation with increasing wholesale energy prices and a number of energy companies unable to continue trading, it might be more difficult to find a deal when looking to switch your energy supplier at the moment. 7\. Shop around on your broadband, TV and phone contracts Whether it’s your mobile phone contract, broadband or TV package, there are deals out there, especially if you’ve been with your current provider for a while or maybe it’s no longer giving you what you need. By checking on the latest deals you could save or get more for your money and switching could be easier than you think. ![](https://www.natwest.com/life-moments/managing-your-money/top-money-saving-tips/_jcr_content/root/responsivegrid/singlearticle_copy_c_2014880337/singlearticle/article_image.coreimg.png/1692277236697/how-to-make-a-payment-to-an-existing-payee-using-the-natwest-rbs-mobile-app.png) 8\. Ditch that old Direct Debit With the [NatWest app](https://www.natwest.com/banking-with-natwest/natwest-app/how-to-use-the-natwest-app.html) take some time to scroll through regular payments, it’s possible you’ll discover at least one Direct Debit or standing order you no longer need. For most, you can cancel these online or over the phone, but it’s worth checking any contracts you may have to avoid any cancellation fee or penalty. 9\. “Do I really need this?” If you're asking yourself that question, there is a good chance you already know the answer. From gym memberships to online subscriptions, if you’re not using it, cancel it. If that feels a bit drastic you can often pause payments to test the water first. Be strong. ![](https://www.natwest.com/life-moments/managing-your-money/top-money-saving-tips/_jcr_content/root/responsivegrid/singlearticle_copy_4_487229860/singlearticle/article_image.coreimg.svg/1692277236786/illus-web-pink-phone-with-bank-card-and-banknote-on-screen.svg) 10\. Get rewarded for spending It makes sense to do your research to find the best price but there are also ways you could earn some money back when you spend too. With a [NatWest Reward bank account](https://www.natwest.com/current-accounts/reward_account.html) you could earn £4 a month back in Rewards for 2 or more Direct Debits – they'll need to be at least £2 each. Plus, get an extra £1 a month back in Rewards for logging into the NatWest app once. You could then exchange your Rewards for money, gift cards or donate them to charity. To apply, you need to be 18+ and a UK resident. To hold this account, you need to pay in £1,250 to an eligible NatWest account every month.
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