Your Reward Silver account is packed full of benefits.
Existing customers
Get the most from your Reward Silver 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.
To keep earning Rewards on your household bills, you must log into online or mobile banking at least once every three months.
All our travel insurance, car breakdown cover and home emergency cover is underwritten by U K Insurance Limited. Our mobile phone insurance is underwritten by Aviva Insurance Limited.
Report your card stolen
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.
Report your card lost or damaged
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'.
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.
Using your bank account
To help you out with those unexpected bills
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.
Use Apple 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.
Use Google 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.
Payments and transfers on the go
With our mobile app, you can quickly and securely manage your everyday transactions at the tap of a button.
Find out more about the different ways to pay and receive money
Check bank account charges
Keep your bank account safe
Protect yourself from scams. The best way to avoid being a victim of one, is to be aware of the common practices and techniques that are used.
Compare our Bank Accounts
We have a Bank accounts to suit your needs, from everyday bank accounts to accounts that reward you.
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
Taking your debit card on holiday
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.
Order an accessible debit card
Our new accessible card is available on all NatWest current accounts. It is developed with and accredited by the Royal National Institute of Blind People that makes it easier to use your card if you are blind or partially sighted.
- A notch has been carved out of the side, to help you identify which way to insert your card into a cash machine or card reader.
- The card has a series of raised dots, so you'll know whether it is your debit, credit or savings card.
- On the back of the card, telephone numbers have been increased in size by 50%.
To replace your existing card with a new accessible debit card please complete the online form.
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
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
Set up your bank account
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.
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 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
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.
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.