Packaged bank accounts

Open a Reward account

A bank account that rewards you

Earn 2% in Rewards on 7 types of household bills paid by Direct Debit. On average our Reward customers earn £83 a year in Rewards (not incl. monthly fee) based on monthly bills of £345

Plus, earn at least 1% back in Rewards on spend with our partner retailers

Like all of our current accounts, you can pay your way - use Apple Pay and Google Pay™ for payments with your phone, and Paym, to send money securely with just a telephone number and our mobile banking app

£2 monthly fee

Features and benefits

Rewards

What are Rewards?

Rewards are our way of giving you something back. Get rewarded on 7 types of household bills paid by Direct Debit. Your Reward balance can grow quickly, they’re easy to earn and they’re easy to exchange.

How do I earn Rewards?

You’ll earn 2% on eligible household bills paid by Direct Debit and at least 1% at our partner retailers.

How do I exchange Rewards?

It’s easy. Once your balance has grown to at least £5, we’ll give you a choice of what you can do with them. You can bank them, trade them or donate them to one of our chosen charities.

All the basics

Switch bank accounts

We'll help you switch bank accounts with the Current Account Switch Service.

Mobile app

Stay in control of your money with our easy to use mobile banking app.

Arranged Overdraft

There for those unexpected bills that can pop up occasionally.

Open a bank account online

Apply online

During the application we'll ask for information about you such as your address, job etc. So have these ready.

Upload your ID

At the end of your application we might ask you to provide photo ID, proof of address and take a selfie. We'll then check your details with our security partners HooYu or Digidocs.

We'll check your details

We'll check we have everything needed to open your account. Keep an eye out for our welcome email.

Start using your new account

Your new account is open. Register for Online banking, download our mobile app and enjoy hassle free banking.

Get ready to apply

Before you apply, we need to check you're happy with a few things. And ask you a few questions up front. Then we can make your application as quick and simple as it can be.

First things first. You can apply if you:

are aged 18 or over and a UK resident

will log into Online or Mobile Banking at least once every three months

will pay in £1,500 each calendar month to any personal current account you have with us. Excludes Foundation and transfers between your own NatWest accounts

Not sure a Reward account is for you? Look into our Select everyday bank account with no monthly fee.

Now please take a look at the important legal stuff

How your information might be used

It's important for you to understand how we use and share your information. Please read this short summary before you continue with your application.

All okay? You're nearly ready to start.

We need to do a few final checks with you. They'll only take a minute.

What kind of account do you want?

You're all set

Depending on what ID we need to see, we may ask you for:

  • A selfie
  • Photo ID, such as Drivers licence, Passport or EU ID card
  • Proof of your address, such as a Utility bill or Bank statement

Don't worry, if you don't have these with you when you're applying you can choose to do this later.

You're all set

Depending on what ID we need to see, we may ask you for:

  • Photo ID, such as Drivers licence, Passport or EU ID card
  • Proof of your address, such as a Utility bill or Bank statement

Look out for an email and text after you have applied from our security partners, DigiDocs. It'll have a link to securely upload your documents for us to check. 

What would you like to do?

Which account would you like to change?

You're all set

You’ll need the sort code and account number of the account you want to change.

As you’re upgrading from another NatWest current account, your account details and debit card will stay the same. Just to make life easier for you. 

You're all set

You’ll need the sort code and account number of the account you want to change. And the contact details for both people named on the account.

As you’re upgrading from another NatWest current account, your account details and debit card will stay the same. Just to make life easier for you both. 

Do you know your Online Banking details?

You're all set

Depending on what ID we need to see, we may ask you for:

  • Photo ID, such as Drivers licence, Passport or EU ID card
  • Proof of your address, such as a Utility bill or Bank statement

Look out for an email and text after you have applied from our security partners, DigiDocs. It'll have a link to securely upload your documents for us to check. 

You're all set

Depending on what ID we need to see, we may ask you for:

  • Photo ID, such as Drivers licence, Passport or EU ID card
  • Proof of your address, such as a Utility bill or Bank statement

Look out for an email and text after you have applied from our security partners, DigiDocs. It'll have a link to securely upload your documents for us to check. 

Do you already have a NatWest Reward account?

You're all set

You’ll need these bits of info handy for your application:

  • The account number, sort code and debit card number of the bank account you want to switch to NatWest
  • The account number and sort code of your existing NatWest current account

The Current Account Switch Service will move everything across from your old bank account to your new NatWest current account within 7 working days. You'll barely need to lift a finger.

You're all set

Depending on what ID we need to see, we may ask you for:

  • Photo ID, such as Drivers licence, Passport or EU ID card
  • Proof of your address, such as a Utility bill or Bank statement

We'll also need the account number, sort code and debit card number of the of the bank account you want to switch to NatWest.