Yes, it’s only currently available via the website. Considering NatWest has a transfer limit of £1,000 via the app for payees not yet paid via online banking, it seems that for a >£1k fraud attempt the scammer would need to coerce the victim into using online banking anyway.
Personally, as someone who likes to use mobile apps for banking whenever possible, I hope that the release of biometric authentication in the app means that there will finally be limit parity between mobile and online banking.
What is Nationwide’s limit out of interest? NatWest say that if you want to make a payment over £20k, you’ll either need to spread it out over multiple days or pay for CHAPS (which is £23, or £21 if the recipient is a NatWest account holder). Funnily enough, this is starting to make some fintechs (which I usually view as not fit for large payments) seem more accommodating. Starling will allow anything up to the Faster Payments system limit of a quarter of a million, but anything over £25k may involve CS (I believe I read somewhere that the way it now works is that instead of contacting them, you just try and make the large payment as usual but
at the end instead of ‘Pay’ it will say ‘Request’ or something like that instead of going through immediately it will be marked as pending/awaiting review, and it’s then sent to CS for review and confirmation - they may then get in touch to ask some questions, or might just approve it, depending on the circumstances of course).
EDIT: This is from their help article…
The Faster payments scheme has a £250,000 per transaction limit. You can process payments up to this limit in the app, as you would any other payment, and should we need any further information, we’ll request this from you in-app. In some circumstances you may be asked to provide some further information and/or evidence regarding your payment. For example, we might ask you for more information if you are making a property purchase (e.g. Completion Statement, Lease Agreement Stock).
If you need to send more than £500,000 in one day, this will need to be done via a CHAPS payment. To request this, please get in touch with us.
(CHAPS with Starling is £20)