Select Current Account - Apply Online | NatWest

Select bank account

An everyday bank account with all the essentials that make banking easy.

No fee

Easy to use mobile app

24-hour UK telephone banking and online banking

Get Emergency Cash

To apply you must be 18 or over and a UK resident.

Apply online Change your NatWest account

Change an existing account

Is this to be a sole or joint account change?

To apply, you need to be aged 18 or over and permanently resident in the UK.

When prompted on the next page for 'What current account would you like to change to' choose Select.

Natwest free bank account
Add your signposting title here… A bank account that makes life easier

Our Select bank account is a standard account that has all the essentials that make banking easy.

Our range of services include an easy to use mobile app, free text alerts to manage your money, 24-hour telephone and online banking, access to an Arranged Overdraft (subject to eligibility, over 18s only) and plenty more.

Benefits of the Select bank account

Mobile banking made easy

Our mobile app is designed to be simple and straightforward to use so you can manage your money on the move. You can check your balance, recent transactions and pay friends or family quickly and easily.

Get cash without your debit card

Our mobile app ‘Get Cash’ function lets you withdraw money (up to £130 of your money per day) from RBS, NatWest or Tesco cash machines, so you don’t even need your debit card. It's great for those times, when you pop out during your lunch hour, but don't have cash on you.


Pay your mates easily

The ‘Pay Your Contacts’ option allows you to pay money to anyone using their mobile number and providing they have the NatWest, RBS, Ulster Bank, NatWest Offshore or Isle of Man mobile app. All you need to do is open your mobile app, click on the ‘Pay Your Contacts’ option, enter their mobile number, the amount you want to pay them and add a personal message.


You can send up to £250 a day which is separate from your daily withdrawal and 'Get Cash' limits, and you must also have available funds to send from your account (including any overdraft facility). How easy is that?


Pay Your Contacts is available for NatWest customers on Android, iPhone, BlackBerry10, Windows and Kindle app.

Apply pay is here

Apple Pay is the new, easy and secure way to pay using your NatWest debit or credit card on an Apple device. It allows you to make contactless payments in shops (contactless limits apply, unless the retailer says otherwise).


Our mobile app is available on most smartphones, to NatWest customers with Online Banking and a UK mobile number.

More about our mobile app

Get some flexibility with an Arranged Overdraft

For a little extra piece of mind you can arrange an overdraft with your Select bank account. You can apply for an Arranged Overdraft during the Select account application process.

An Arranged Overdraft is an overdraft that we have approved for you and you can borrow up to that limit. This means you can get access to additional money if you ever need it (subject to eligibility, over 18's only).  


More about overdrafts

Ways you can bank with us

We know life keeps you pretty busy, so we've made it easy for you to access your account anytime with online banking, our mobile app and having our UK call centres available 24-hours a day. Or you can visit one of our 1,500 branches.

There are many ways to bank with us, whether you want to use your mobile phone, tablet, or even use one of our mobile branches in more rural locations in the UK. Managing your money has never been easier.


More about ways to bank

Apply now

Opening an account or switching to NatWest

What you need when opening an account

Opening a new bank account with us is easy. Find out what documents you need when applying for an account.

If you're applying online, try and have a UK Passport or Driving licence to hand along with a working credit or debit card.

If you don't have these, don't worry. You can still apply online and we will ask you to provide other forms of ID and proof of address that we can accept.


When you open your account online, remember to keep note of the reference number from your application as you will need this if you want to discuss your application with us.

It's easy to switch to us

Switching bank accounts from one UK bank or building society to another is simple with our bank account Switch Service. It takes just 7 working days.

On your switch date, your payments, such as Direct Debits, Standing Orders and Bill Payments, will transfer to your new account. Any credit balance from your old account will have been transferred, your new account will be ready to use and your old account will be closed, if you wish.

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Arranged overdraft

 A safety net for unexpected costs

Usage fees & interest apply. Available to eligible Select account customers, 18 or over. 

Select account

£10 interest free threshold 


Understand overdraft costs

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