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Select Silver Account

A flexible account with a great range of extras

Apply online now
Upgrade your existing current account to Select Silver

Your benefits

All these extras for just £10 a month


European Travel Insurance

Going abroad? Your Select Silver account includes travel insurance that covers you for up to 22 days per trip. The policy also includes winter sports cover.

What you need to know

  • To include a joint account holder on your policy, or if you have a medical condition, please call 0845 601 5219 to confirm your premiums and cover
  • If you or your joint account holders are aged 70 or over, there’s a £50 annual premium
  • If you have an existing medical condition, you may have to pay an annual premium or accept that your cover may exclude certain conditions.
Mobile Phone Insurance

Your phone is covered for loss, theft, accidental damage and if it stops working.

What you should know

  • The policy covers unauthorised calls up to £2,500 (inc VAT) for monthly contracts and up to £100 (inc VAT) for pay as you go customers
  • 2 phones are covered if you have a joint account
  • The replacement value per phone is unlimited (excluding cosmetic embellishments with precious metals, stones or crystals)
  • There is a £75 excess.
LOVEFiLM and music downloads from hmvdigital

If you love movies and music, you can choose up to three DVDs plus unlimited online streaming each month from LOVEFiLM. You can also download up to five tracks per month from hmvdigital to your computer, MP3 player and mobile phone.

What you should know

  • Download, rental and streaming allowances can’t be carried over to the next month
  • Online access is required.
Identity Theft Assistance

Identity theft can be expensive and can cause months of hassle. We’ll protect you against the identity thieves and give you the support you need if the worst should happen. To help keep you safe we will:

  • Check your credit status and receive alerts from Experian if anyone is using your personal details
  • Assign a caseworker who will help restore your credit status if you fall victim to identity theft
  • Alert you if your details are used on a credit application
  • Provide a document registration service that keeps the details of your important documents in a safe place.

What you should know

  • You need to register for credit report and valuable-document registration
  • For joint accounts, both account holders must register individually for Experian credit report monitoring.
Travel Money

You’ll get preferential rates on foreign currency from our Travel Money service – we’ll even deliver the money to your door.

What you should know

  • Orders must be online or over the phone through membership services to receive preferential rates
  • Minimum order of £100 applies.






Rates and important information


NatWest Personal & Private Current Account Terms; Personal & Private Current Account Fees & Interest Rates; Helping you get the most from your Personal NatWest Current Account (PDF, 818KB)
Select Silver Account Insurance Policy Summaries (includes Keyfacts about our insurance services) (PDF, 456KB)

NatWest banking features

Helpful everyday banking comes as standard

Feel Rewarded everyday

To earn Rewards, just activate your account and use your NatWest Visa Debit card on qualifying purchases at participating retailers. Available on personal current accounts held in mainland UK, except for Basic, Step and Cash and current account mortgages. Over 18's only. 
More about Cashback Plus

Get Emergency Cash

If your debit card is lost or stolen, our Emergency Cash service makes sure you can access your money from our ATMs (Limits apply).

More about Emergency Cash

Bank on demand

We know life keeps you pretty busy. Access your account anytime with 24-hour UK call centres, Online Banking and our Mobile Banking app.

Ways to bank with us 

Current Account Switch Guarantee

Moving your banking to NatWest

It’s easy to move to NatWest

Moving your banking to us is simple and hassle free. We'll do all the hard work for you and:

  • Transfer your payments (Direct Debits, Standing Orders and Bill Payments) from your old account
  • Transfer any credit balance from your old account
  • Close your old account

All within 7 working days.

Find out more about the Current Account Switch Service

Flexible overdraft

A little breathing space if you need it

Your NatWest Select Silver account overdraft can give you access to additional money if you ever need it (subject to eligibility).

  • Borrow up to an approved limit at any time, and increase your limit (subject to approval) or decrease it whenever you want
  • You only pay interest on what you borrow within your agreed limit (please note if you use your arranged overdraft by more than £10 you will be charged an Arranged Overdraft Usage Fee)
  • There’s no need to renew your overdraft.

NatWest current accounts

Find out what you need to open an account


Current accounts

Not the right account for you?

You can use our account comparison table to see the features, benefits and costs of our current accounts.

Or use our current account finder tool to find an account that fits your needs.

Existing customers

Managing your Select Silver Account

Managing your benefits

How to use your benefits

Helpful banking

Protecting your money

With our account monitoring and online fraud protection promise, it's no wonder our customers voted us the UKs most trusted mainstream bank for 2013.

If anything happens to us and we cannot pay valid claims or return your premium on your insurance policy, then the FSCS will pay 90% of your claim on your home, pet and life insurance and 100% on motor insurance, with no upper limit. 

Further information is available here or visit

Select Silver Account

Ready to apply?

Apply for Select Silver Account
Upgrade your existing account to Select Silver
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