Silver account benefits | NatWest

Manage your Silver benefits

Silver current account benefits

An account that reflects your lifestyle

European travel insurance

Mobile phone insurance

tastecard™

Get started with your new Silver bank account Log in to Membership Services

“Silver account” refers to Select Silver and Reward Silver accounts

Your account benefits

 

Travel benefits

 

European travel insurance

European travel insurance that covers you for up to 22 days, including winter sports. Underwritten by the U K Insurance Ltd.

What's included?

- UK and European travel insurance that covers you for up to 22 days per trip (including winter sports)
- You as the account holder(s) are covered
- Emergency medical expenses, cancellations, baggage and more

 

What you need to know

- Cover for account holders only
- Pre-existing medical conditions are not covered, if you would like to extend your cover to include these, please call us. We may ask you to pay an additional premium or we may not cover your condition
- If you or your joint account holders are aged 70 or over, you must call us each year to obtain cover - £75 annual premium per person insured aged 70 or over applies

 

Contact us

- To find out if you can extend your travel insurance to include cover for any new or existing medical conditions please click here or call 0345 601 5219 (or Minicom number 0345 600 0512). You may have to pay extra for this or you may find that your condition cannot be covered. Lines are open 8am-8pm Monday - Friday, 9am-5pm Saturday, 10am-5pm Sunday and 9am-5pm on bank holidays. We are closed Christmas Day, Boxing Day, New Years Day and Easter Sunday. Calls may be recorded.

 

How do I make a claim?

To make a travel insurance claim please click here or call us on 0345 601 5219 (Minicom 0345 600 0512). Lines are open 9am-6pm Mon- Fri, and closed Saturday, Sunday and bank holidays.

 

If you need emergency assistance whilst abroad call us on:

0345 601 5219 or +44 1252 308 792. Lines are open 24/7, 365 days a year. Charges may apply. Calls may be recorded.

Travel money

Preferential rates on foreign currency from our travel money service - we'll even deliver to your door.

What's included?

- Preferential exchange rates on foreign currency purchases - minimum order of £100 applies
- 0% Commission on all foreign currencies
- Free delivery to your home or a branch of your choice within the UK
- Payment from any UK credit or debit card

 

How do I order travel money?

You can order your travel money online or call us on 0345 601 5219 (Minicom 0345 600 0512). Lines are open 8am-10pm Monday to Friday and 10am-8pm on Saturdays and Sundays (excl. bank holidays). Calls may be recorded.

Fee free debit card purchases abroad (Reward Silver only)

No Foreign Purchase fee when you using your Reward Silver debit card abroad

What’s included?

- Use your Reward Silver debit card for purchases anywhere in the world without the worry of incurring extra charges or carrying around lots of cash.

- No Foreign Purchase fee when you make a payment outside the UK or payment in a foreign currency.

- Not valid for ATM withdrawals. Other local fees may apply.

- We explain the charges for this at natwest.com/travel along with tips for when you’re travelling abroad

- Applies to Reward Silver debit cards only.  Does not apply for Select  Silver debit cards.

 

Protection benefits

 

Mobile Phone Insurance

Your policy covers loss, theft, damage and breakdown (once your warranty has expired).

Underwritten by Aviva Insurance Limited.

 

What’s included?

 

₋ You’re automatically covered but we recommend that you register your handset to make the claims process quicker

₋ Worldwide cover for your mobile phone against loss, theft, damage or breakdown.  Please note if you’re outside of the UK we won’t replace your device until you return

₋ 1 successful claim during any 12 month period.  If this is a joint account, both account holders can each make 1 successful claim, with a maximum of 2 per account

₋ Unauthorised calls following loss or theft for up to £2,500 (inc VAT) for monthly contracts and £100 (inc VAT) for pay as you go customers

₋ Accessories covered up to £250

 

What you need to know

 

⁻ Devices with a screen size more than 7 inches are not covered

⁻ Covers the phone you use on a daily basis. If your account is in joint names, cover is also provided for the phone the other account holder uses on a daily basis.  There is no cover for phones owned by your employer.

⁻ Claims are settled by repairing your phone, where possible.  If we are unable to repair your phone, or it has been lost or stolen, we will replace the phone.  Our replacement phones are refurbished handsets in ‘as new’ condition using genuine manufacturer parts.

⁻ There is a £100 excess for each successful claim.

 

How do I make a claim?

 

₋ Claims should be reported as soon as possible when theft, loss, damage or breakdown is discovered.

₋ If your phone has been lost or stolen, you must contact your network provider within 24 hours (48 hours if you’re outside the UK)

₋ If your phone is stolen, you should inform the police and get a crime reference number as soon as reasonably possible

 

Register a claim online or call us on 0345 601 5219 (Minicom 0345 600 0512).  Lines are open 8am-8pm Monday to Friday.  9am-6pm Saturday, 10am-5pm Sunday and 10am-6pm on bank holidays, closed on Christmas Day.  Calls may be recorded

 

 

Lifestyle benefits

 

Cinema discount

Buy online through Membership Services and take advantage of up to 40% off the price of cinema tickets.

 

What you need to know

- Valid at over 250 UK cinemas including Vue, ODEON and Showcase

- Any day, any time, any film

 

How do I take advantage?

- Great prices on cinema eCodes to redeem at one of many cinemas throughout the UK.

- Prices depend on cinema chain and location (London/non-London).

- You can buy up to 6 eCodes per booking, and book as many times as you want all year round.

 

Using your eCodes is easy:

1. Visit membershipbenefits.natwest.com and select Cinema discount benefit

2. Choose your cinema chain

3. Purchase your eCodes through membership services

4. Choose the film, date, time and seat you want when you use your eCodes either on the cinema’s website or at the Box Office

 

tastecard™

2-for-1 meals or 50% off at thousands of restaurants across the UK. Use the tastecard™ app to find out more details about participating restaurants.

What you need to know

- Exclusions on offers and available days may apply, check with participating restaurants
- Remember to take your card with you
- Bookings must be made by the account holder and some restaurants require reservations in advance
- Renewal cards will be sent out to your account address close to time your current card expires

Use your tastecard™

How to use your card

You can make a booking once you receive your tastecard. Only you can make a booking with your tastecard for you and your dining party. Before booking check what offer and times are available for the participating restaurant you wish to book and remember to take your card with you.

 

How to order a replacement card

You can order a replacement tastecard for £15 (at your cost) by calling  0345 601 5219 (Minicom 0345 600 0512). Lines are open 8am-8pm Monday to Friday, 9am-6pm Saturday, 10am-5pm Sunday and 10am-6pm on bank holidays, closed on Christmas Day. Calls may be recorded. Payment must be by credit or debit card. Your credit or debit card will be charged when you place the order.

 

Important Information

 

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.

 

Your Current Account Terms

MyRewards Terms

Silver Account Insurance Product Information Document

Silver Travel Insurance Policy

Silver Benefit Terms

Further information about account features

Reward eligibility, insurance underwriting and mobile app availability

Reward Silver eligibility (for accounts opened on or after 26th June 2017)

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.

 

App available to customers with Online Banking and a UK or international mobile number in specific countries.

 

Unsure what Rewards you are earning?

The Rewards you earn depend on your account. To find out more, choose what kind of customer you are:

  • Reward

  • Select

  • Cashback Plus

Reward

If you have a Reward account you are currently earning:

2% Rewards on household bills paid by Direct Debit

at least 1% Rewards at our Partner retailers and in personalised offers

Get the most out of your Rewards

Would you like to earn more? With one of our Reward credit cards you could be earning:

  1% Rewards at supermarkets, and at least 1% at our Partner retailers and in personalised offers

  0.5% everywhere else you shop at home and abroad

Plus we'll refund the annual fee if you also have a Reward current account

Compare our credit cards

Select

If you have a Select account, and did not sign up for Cashback Plus before 12th October 2015, you are not earning any Rewards.

Change to a Reward account to start earning:

2% Rewards on household bills paid by Direct Debit

at least 1% Rewards at our Partner retailers and in personalised offers

Change to a Reward account

For an additional £2 per month, on top of your monthly account fee

Cashback Plus

MyRewards is the new name for Cashback Plus. If you signed up for Cashback Plus before 12th October 2015, you are currently earning:

at least 1% Rewards at our Partner retailers and in personalised offers

Start earning more with a Reward account:

get 2% Rewards on household bills paid by Direct Debit

Change to a Reward account

For an additional £2 per month, on top of your monthly account fee

Getting the most of your account
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