Existing customers

Get the most from your Reward Silver account

On this page

Understanding MyRewards

Access my Reward Silver benefits

Important documents to read

Using your bank account

Online and Mobile banking

Set up your bank account

Explore your Reward Silver account

We want to make your financial life as simple as possible, so we’ve gathered all Reward Silver account information in one place. Right here. A one stop shop for all your everyday banking needs.

Explore your Reward Account

Reward actions

Reward actions OpenClose

Earn 2% rewards

You automatically earn 2% rewards on seven types of household bills paid by Direct Debit.

What are the seven type of household bills? Close

What are the seven types of household bills?

The types of bills that you can earn Rewards on include:

Council Tax
Mobile
TV Package
Water
Gas
Electricity
Broadband

Check if your bill is included

Earn 1% rewards.

Earn 1% rewards at partner retailers when you spend on your card.

Who can you earn with? Close

Who can you earn with?

When you spend at our partner retailers you will automatically be earning rewards, it's that easy.

Find out where you can earn

New to MyRewards?

Set up MyReward account Close

Set up MyReward account

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.

Key benefits of setting up your Reward account are:

1. To see your personalised offers, where you can earn 1% or more at MyReward partner retailers. You can only see these offers once you login to MyRewards.

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.

Set up MyReward

How can I earn more Rewards?

Boost your Reward earnings Close

Like Rewards and want to earn more?

You can earn Rewards every time you shop with our Reward credit card, Representative 23.7% APR (variable). You'll also recieve personalised emails with monthly spend offers from our selected retailers.

Get 1% in Rewards on your supermarket shop (0.5% at their petrol stations)
Between 1-15% in Rewards when you shop at selected MyRewards retailers
Plus 0.5% in Rewards everywhere else you like to shop

More about this card

Annual fee applies , but we'll refund it if you already hold a Reward current account.

To apply, you must be 18+, earning at least £10k per year and a mainland UK resident.

To keep earning Rewards on your household bills, you must log into online or mobile banking at least once every three months.

Use my membership benefits

Your Reward Silver account is packed full of benefits.

European travel insurance

Travel money

Mobile phone insurance

Cinema discount

Tastecard

No Foreign Purchase fee

All our travel insurance, car breakdown cover and home emergency cover is underwritten by U K Insurance Limited.

Please note that from 1st October 2019, we're changing our mobile phone insurance provider from Aviva Insurance Limited to American International Group UK Limited (AIG). Administered by Brightstar Insurance Services. There is no change to the level of cover provided, except for the removal of cover for unauthorised calls.

Take advantage of fee-free debit card purchases this summer

As part of your Reward Platinum account you can take advantage of fee free debit card purchases this summer. Use your VISA debit card to spend safely and securely whilst away on large or small purchases and incur no fee.

This offer applies to Foreign Purchase Fee only. You will continue to incur fees when withdrawing cash abroad using an ATM and other local fees may apply.

Find out more about spending abroad

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.

Using my debit card abroad Close

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.

Upgrade or change my NatWest account Close

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

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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.

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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 Reward Silver account

Explore your Reward Silver account

Explore your Reward Account

Reward actions OpenClose

Earn 2% rewards

What are the seven types of household bills?

Earn 1% rewards.

Who can you earn with?

New to MyRewards?

Set up MyReward account

How can I earn more Rewards?

Like Rewards and want to earn more?

Use my membership benefits

Take advantage of fee-free debit card purchases this summer

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?

Support centre

@NatWest_Help

Find a branch