When you ask us to make Direct Debits, standing orders and bill payments on a future date, we attempt to make these payments in the morning.
If you haven't got enough money in your account to make the payment, we'll try to make the payment again on the same day at 2:30pm. This is to give you more time to get cleared funds into your account. You can do this by paying money into your account at any of our branches, making a Faster Payment from another bank or a quick transfer online from another Nationwide account. To find out when a cheque you're paying into your account will clear, please use our cheque clearance calculator.
If you register for any of our text alerts, we'll also automatically send you Payment Retry alerts.
If you still don't have enough money to cover the payment when we try to take the payment again at 2:30pm, you'll still only receive 1 unpaid transaction fee.