Overlay
Bank accounts

Open a Reward Bank Account

A bank account that rewards you

£125 when you switch to us (available to new and existing customers)

Earn Rewards that you can redeem as cash back, gift cards or e-codes with our retail partners

Easily use our mobile banking app

Arranged overdraft available (subject to eligibility)

Multiple ways to pay: Apple Pay, Google Pay™  and Contactless Visa Debit

£2 monthly fee

£125. Just another reason to switch to us

Apply to Switch

Switch into a new or existing account with us online or through our Mobile Banking app by 19th November 2020. We may end this offer at any time
Created with Sketch.

Fill out your Switch details

Within 7 days the Current Account Switch Service will automatically move your existing payments and close your old account
Created with Sketch.

Switch criteria

Pay in at least £1,500 and log in to our mobile app or Online Banking by 15th January 2021

Pay day

£125 will be paid to your NatWest bank account by the 12th February 2021

Features and benefits

Rewards

Earn Rewards

Earn £4 a month back in Rewards for 2 or more Direct Debits - 2 of those Direct Debits needs to be at least £2 each. Plus, earn an extra £1 a month back in Rewards with 1 mobile app log in. That's up to £5 a month back in Rewards to spend on whatever you like!

Exchange Rewards

Once you reach £5 in Rewards, the choice is yours. You can redeem it as cash back, trade up for gift cards and e-codes with our retail partners, or donate to one of our chosen charities.

Banking with us

Mobile app

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

Our range of savings accounts

We have a range of savings accounts available to our current account holders.

Overdraft details

How do overdrafts work?

An arranged overdraft can be useful for short term borrowing. Understand arranged and unarranged overdrafts and their impact on your account. An overdraft is a form of borrowing and is repayable on demand.

How much will an overdraft cost?

Understand the cost and impact of overdrafts and whether you're eligible to apply for one. If you don't repay what is owed, you could harm your credit score and borrowing capability.

Open a bank account online - FAQs

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 pay in £1,250 each calendar month to any eligible personal current account you have with us. 

do not currently hold 2 Reward 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.

To speed up your application for our Reward account, we need to do a few final checks with you. They'll only take a minute.

Do we already know you?
If you have a current account, credit card, loan or savings account with NatWest please let us know.

To get the £125 switch offer you need to:

  • Apply and switch to NatWest by 19th November 2020
  • Pay in £1,500 and login to our Mobile Banking app or Online Banking by 15th January 2021

If you've had cashback for switching to us (or Royal Bank/Ulster Bank) since October 2017 you won't be eligible for this offer.

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 driving licence, Passport or EU ID card
  • Proof of your address, such as a utility bill, bank statement or driving licence

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 driving licence, Passport or EU ID card
  • Proof of your address, such as a utility bill, bank statement or driving licence

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 have a current account with NatWest?
What would you like to do today?
Do you know your Online Banking details?
If you log in to Online Banking we can pre-fill some of the application for you.

To get the £125 switch offer you need to:

  • Apply and switch to NatWest by 19th November 2020
  • Pay in £1,500 and login to our Mobile Banking app or Online Banking by 15th January 2021

If you've had cashback for switching to us (or Royal Bank/Ulster Bank) since October 2017 you won't be eligible for this offer.

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.

To get the £125 switch offer you need to:

  • Apply and switch to NatWest by 19th November 2020
  • Pay in £1,500 and login to our Mobile Banking app or Online Banking by 15th January 2021

If you've had cashback for switching to us (or Royal Bank/Ulster Bank) since October 2017 you won't be eligible for this offer.

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.

Which account would you like to change?

Switch offer

Changing your existing account doesn't qualify you for our switching offer.

To qualify, you need to switch and close a current account held with another bank to your NatWest account.

You’re all set

During the application, you'll need:

  • The account number and sort code of the account you want to change

As you're changing your account, the account details and debit card will stay the same. Just to make life easier for you.

Switch offer

Changing your existing account doesn't qualify you for our switching offer.

To qualify, you need to switch and close a current account held with another bank to your NatWest account.

You're all set

During the application, you'll need:

  • The account number and sort code of the account you want to change

As you're changing your account, the account details and debit card will stay the same. Just to make life easier for you.

To get the £125 switch offer you need to:

  • Apply and switch to NatWest by 19th November 2020
  • Pay in £1,500 and login to our Mobile Banking app or Online Banking by 15th January 2021

If you've had cashback for switching to us (or Royal Bank/Ulster Bank) since October 2017 you won't be eligible for this offer.

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 NatWest current account within 7 working days. 

Do you know your Online Banking details?
If you log in to Online Banking we can pre-fill some of the application for you.

To get the £125 switch offer you need to:

  • Apply and switch to NatWest by 19th November 2020
  • Pay in £1,500 and login to our Mobile Banking app or Online Banking by 15th January 2021

If you've had any cashback for switching to us (or Royal Bank of Scotland) since October 2017 you won't be eligible for this offer.

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.

To get the £125 switch offer you need to:

  • Apply and switch to NatWest by 19th November 2020
  • Pay in £1,500 and login to our Mobile Banking app or Online Banking by 15th January 2021

If you've had cashback for switching to us (or Royal Bank/Ulster Bank) since October 2017 you won't be eligible for this offer.

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,

To get the £125 switch offer you need to:

  • Apply and switch to NatWest by 19th November 2020
  • Pay in £1,500 and login to our Mobile Banking app or Online Banking by 15th January 2021

If you've had cashback for switching to us (or Royal Bank/Ulster Bank) since October 2017 you won't be eligible for this offer.

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.