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Get the most from your Graduate account

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Explore your Graduate account

Your Graduate account is designed to support you in the transition between Student life and moving into full time employment. It comes with all the great features and benefits that allow you to stay in control of your money

If you've just graduated, you don't need to do anything. Your Student account will automatically change to a Graduate account, and you can continue to use your card, online banking and mobile app as usual.

Prior to the account switch you should receive an email or letter detailing:

- the changes to your account
- the date of the switch

Explore your Reward Account

Graduate

Graduate OpenClose

Interest-free arranged overdraft

Year 1, 2 and 3 after graduation Close

Year 1, 2 and 3 after graduation

In the first year after you graduate you will get up to £2,000 interest-free arranged overdraft

In the second year of your Graduate account, you will benefit from up to £1,000 interest-free arranged overdraft

In the third year after you graduate you will automatically move onto a Select account and your arranged overdraft will no longer be interest-free.

Any arranged overdraft limits over the interest-free threshold will incur fees and charges if used (17.81% EAR). If you do not have an arranged overdraft or go over it, you will be charged £8 per day for unarranged overdrafts of more than £10.

Use our overdraft calculator to see how an Arranged Overdraft can help save you money.

Tastecard

Enjoy 2 for 1 meals or 50% off your food Close

Tastecard

If your Student Account came with a Tastecard, it will automatically renew annually for another 2 years.

Find out more about Tastecard

Using my bank account

Report my card lost, stolen or damaged Close

Report my card lost, stolen or damaged

If you think your debit card or any of your card details, such as the PIN may have been stolen, you should report it to us to avoid the possibility of fraud.

Please check the transactions on your account, and call us as soon as possible on:

UK: 0370 600 0459
Overseas: +44 1268 500 813
Minicom: 0800 917 0526

Once you’ve reported your debit card as stolen, we will send out your new card which will be with you in five working days.

If your card is damaged or lost, you can order a replacement online in less than 2 minutes – that's less than half the time it takes if you were to phone us (5min 10s). Simply log in and go to the 'Cards' option in the left hand menu, then choose 'Manage your debit card' or 'Manage your credit card'.

From there, you can choose 'Report your card lost and order a replacement' or 'Order a replacement for a damaged card'.

Set up, change or cancel a Direct Debit Close

Set up, change or cancel a Direct Debit

A Direct Debit is an agreement between you and the organisation you’re paying, which allows the organisation you want to pay to collect varying amounts from your account – but only if you’ve been given advanced notice of the amounts and dates of collection.

Setting up a Direct Debit is an easy way to manage your regular and occasional bills.

You can view or cancel a Direct Debit online and via our mobile app

Set up, change or cancel a Direct Debit

Check my balance, make a transfer or payment Close

Check my balance, make a transfer or payment

You can check your balance and make payments or transfers on the go by logging in to our mobile app.

Alternatively log in to Online Banking where you can view your balance, statements and more to help manage your account.

Payment limits apply.

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Using my debit card abroad

If you are travelling abroad it is advisable to register your travel plans with us as this will notify our transaction monitoring systems that you will be using your personal card abroad.

This will significantly reduce the likelihood of your card transactions being blocked abroad.

Let us know you will be using your card abroad

If you have our Mobile app, it’s easy to let us know you are going to use your debit card abroad. Just log in, tap the ‘Help’ section at the bottom and then ‘Going Abroad’.

You will be able to create one Travel Plan at a time by choosing 'Add Country', between 2 to 90 days, and that can include up to seven countries. Each country will need to be registered individually.

Get more information on spending abroad and how to minimise fees and charges.

What are my rates and charges? Close

Set up, change or remove an arranged overdraft Close

Set up, change or remove an arranged overdraft

An Arranged Overdraft is a short-term way to borrow and can be a really useful way to pay for unexpected bills.

An Arranged Overdraft means we’ve approved extra funds for you, which are available on your current account.

Set up, change or remove an arranged overdraft

How do I use Apple or Google Pay? Close

How do I use Apple or Google Pay?

You can start using Apple Pay as soon as you have added your first debit card to your Wallet on your iPhone, iPad or Apple Watch.

Set up Apple Pay

Google Pay is the fast, simple way to pay with your NatWest debit or credit card in stores and online using your Android device. You will still continue to receive all the benefits and protections you enjoy with NatWest.

Find out more about Google Pay

How do I get emergency cash? Close

How do I get emergency cash?

Simply call us and we'll send you a code that'll let you withdraw your cash.

The Emergency Cash service can only be provided to you at the time of card cancellation. The service allows you to withdraw money from your account using a security code instead of your card.

To use the Emergency Cash service:

You need to be within the UK
You must have at least £20 available in your account
You can withdraw up to £300 from a NatWest or Tesco cash machine

Remember you'll need to have money available in your account before you can withdraw it.

To report your Visa debit card lost or stolen and use the Emergency Cash service, please call our Card loss centre straight away.

Card loss centre

0370 600 0459 (overseas +44 1268 500 813)
Minicom: 0800 917 0526
Open 24 hours a day.
Calls may be recorded.

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Upgrade or change my NatWest account

We have a Bank accounts to suit your needs, from everyday bank accounts to accounts that reward you.

Specific account criteria apply.

Find out more about all our accounts

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Our accessible debit card

We provide all our personal and premier customers with an accessible debit card.

It’s been specially designed to be easier to use, especially if you have accessibility needs. The card has several features:

A notch carved out of the side of the card, to help you work out which way round to insert your card into a cash machine or card reader.
A series of raised dots or lines, so you’ll know which card is your NatWest card.
Telephone numbers on the back of the card are 50% larger to make reading easier.

Numbers on our accessible card are not embossed. If you require braille, large print or audio correspondence, an embossed card accredited by the Royal National Institute of Blind People is available.

Order an embossed accessible debit card

Set up your bank account

Get started online Close

Online banking lets you 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.

Get started now

Need help? View our online guide

Get the mobile app Close

Register for our mobile app

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.

Get the Mobile app

Need help? See how to set up mobile banking

Activate your card Close

Get the most from your card

New to NatWest?

If you're new to NatWest, we'll post your 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.

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 and you have an eligible account, you can request a new card, giving you a quick and simple way to make purchases up to £30.

Move your Direct Debits Close

Move your Direct Debits

The Switcher Service helps you to move all your Direct Debits to NatWest from another UK bank account or building society. We do all the work for you so it is simple and hassle-free and it just takes 7 days.

Any credit balance from your old account will be transferred

Your account with your old bank will be closed

All your Direct Debits will now come out of your NatWest account

If you only want to move some Direct Debits from another bank you need to contact the supplier who you pay the Direct Debit to and provide them with updated details to take the Direct Debit from your NatWest bank account.

Need help managing your money?

Life’s big moments often mean some kind of financial change. We’ve created helpful tips and tools to help you to manage your finances and support you through life’s important journeys.

See how we can help

Important documents to read

We do our best to ensure everyone is aware of their account terms and conditions, please take some time to review, print and/or save a copy of these.

Online and Mobile banking

App available to Online Banking customers with a UK or international mobile number in specific countries. Online Banking available to NatWest account holders aged 11+.

5 reasons why you should use our Mobile App

View statements and available balance quickly and easily

Instantly make payments to friends and family already saved in your online banking

Pay someone new without the need for a card reader (limits apply)

Pay your bills directly without the need for a card reader

The quickest way to transfer money between your accounts is through your mobile app

Get the Mobile App

Online Banking is a secure, easy to use and convenient way to manage your account

View your balance

Make payments

Transfer money between your accounts

Set up and manage your regular payments

View your transaction details

Set up and go paperless

Use Online Banking

Get the most from your Graduate account

Explore your Graduate account

Explore your Reward Account

Graduate OpenClose

Interest-free arranged overdraft

Year 1, 2 and 3 after graduation

Tastecard

Tastecard

You may also be interested in..

Accounts that reward you

Life after graduation

Money tips and budgeting

Using my bank account

Report my card lost, stolen or damaged

Set up, change or cancel a Direct Debit

Check my balance, make a transfer or payment

Using my debit card abroad

What are my rates and charges?

Set up, change or remove an arranged overdraft

How do I use Apple or Google Pay?

How do I get emergency cash?

Upgrade or change my NatWest account

Our accessible debit card

Set up your bank account

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

Register for our mobile app

Get the most from your card

Move your Direct Debits

Need help managing your money?

Important documents to read

Online and Mobile banking

5 reasons why you should use our Mobile App

Online Banking is a secure, easy to use and convenient way to manage your account

Something else we can help you with?

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