Getting started Black

Black account

Helping you get started

View and use your benefits

“Black Account” refers to Black Accounts and Reward Black Accounts.

Let us help you get started

We want to help you get the most out of your account. If you haven't already here's a quick list of things you can do straight away:


Activate your card  

Get the most from your card.

Already a NatWest customer?
If you're already a NatWest customer and have recently changed your account, there's no need to activate. You get to keep your existing card and PIN. 

If your existing card is not contactless you can request a new card, giving you a quick and simple way to make purchases up to £30.


New to NatWest?
If you're new to NatWest, we'll post your contactless Visa debit card and PIN separately within a few days of opening your account. Once your card arrives we'll explain how to activate it.


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Get started with your online MyRewards account 

Start earning Rewards on selected household bills and your everyday spending.

You'll start earning Rewards the next business day after opening your Reward account and you can view your balance in online or mobile banking. However there's two important reasons why you should get set-up:

1. To see your personalised offers, where you can earn 1% or more at MyReward partner retailers.

2. To exchange your Rewards for money, trading up with our Reward partner retailers or donating your Rewards.

You'll need your bank card before you can get started.

Get started

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Make the most of your 3% back in Rewards

Move your Direct Debits over to your new account.

Earn 3% Rewards on your selected household bills paid by Direct Debit from this account. Household bills include council tax, gas, electric, water, phones, TV and broadband (excludes payments for additional serives such as maintenance, repairs or insurance). 

How to move Direct Debits


Get started online  

Online banking lets your manage your account, any time any day.

Setting up online banking takes a few minutes. You'll need your email address, sort code, account number and debit card to hand.

This service is available to customers aged 11 and over who have a NatWest account and an email address.

Get started online

Need help? View our online guide


Get the mobile app

Don't let your banking keep you indoors.

Once you've set-up online banking, you can get the mobile app. This is the easiest way to keep an eye on your spending.

The mobile app is available on selected smartphones, to NatWest customers with online banking and a UK mobile number beginning 07.

Get the mobile app

Need help? See how to setup mobile banking


Don't forget your benefits  

Make the most of your benefits.


Your account gives you a range of benefits with your travel, protection and leisure needs in mind. Remind yourself of everything you get.

View and use your benefits


Your documents



Account terms and policies

Important information about your account.

We may update them from time to time, but we will always show the latest versions here. Please print or save a copy for your records. You will need Adobe Reader to view these documents. Get Adobe Reader.


Personal and Private Current Account Terms

MyRewards Terms

Black Account Insurance Policy Summaries (including Keyfacts about our insurance services)

Black Account Travel Insurance Policy

Black Account Benefit Terms

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Helping you get started

Log into online banking

NatWest Private Team

Here to support you when you need it

Customers with Private Banking Managers

Telephone 0333 202 3330
International +44 161 933 7239
Minicom 0800 027 1395

Customers without Private Banking Managers

Telephone 03457 888 444
International +44 3450 303 605
0800 404 6161

New customers

Telephone 0333 202 3330
International +44 161 933 7239
Minicom 0800 027 1395


Eligibility criteria

NatWest Private is available to all customers with a sole income of at least £100,000 paid into their NatWest account, or minimum outstanding mortgage borrowings with us of £300,000, or savings and investments of at least £100,000 held with us.

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