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Packaged Bank Accounts

Open a Reward Platinum account

Reward Platinum Applications

Get even more travel and insurance benefits with our Reward Platinum account

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

Mobile phone insurance

UK car breakdown cover

Worldwide family travel insurance

Fee free debit card purchases abroad

Arranged overdraft available (subject to eligibility)

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

£20 monthly fee

Compare our Reward accounts

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. Bank it into your NatWest bank account, trade up for gift cards and e-codes with our retail partners, or donate to one of our chosen charities.

Travel insurance

Do you love to travel? Our worldwide travel insurance covers you and your family for trips of up to 31 days. The policy also includes winter sports and £10 million medical expenses cover. Underwritten by U K Insurance Ltd.

Travel services

Our travel service allows you to access a range of travel agencies in one place, to find the best holiday for you. You can save money on holidays, airport parking, baggage allowance and more.

Travel money

Get great deals on foreign currency from our Travel Money Service. We'll even deliver the money to your door.

Fee free debit card purchases abroad

No Non-Sterling Transaction fee when you using your Reward Platinum debit card abroad.

Insurance

Mobile phone insurance

When bad things happen to your mobile, you need good cover. Our mobile phone policy covers loss, theft, accidental damage and breakdown (once your manufacturer’s warranty has expired). Underwritten by American International Group UK Limited.

UK car breakdown cover

If your car breaks down away from home, you’re sorted. Our partners Green Flag will get you and your vehicle home or to your preferred location, anywhere in the UK. Underwritten by U K Insurance Limited.

Lifestyle

Cinema discount

Take advantage of up to 40% off the price of cinema tickets.

tastecard

If you love eating out, you’ll love this offer: get 2 for 1 or 50% off your food bill at thousands of restaurants UK wide.

Mobile Banking app

Mobile app

Stay in control of your money with our easy to use Mobile Banking app.

Donate your Rewards to the National Emergencies Trust’s Coronavirus Appeal.

We'll match the Rewards any of our existing Reward customers donate pound for pound up to 30th June or until £5m has been donated in Rewards. This means if you donate £20 worth of Rewards, we'll donate £20 too. You can donate any available Rewards over a minimum of £5. Terms apply.

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.

Switch to NatWest

The Current Account Switch Service will do all the work when it comes to switching, moving everything across from your old account to your new account all within 7 working days, including Direct Debits and standing orders. All you need to do is tell us the details of your old bank account and when you want the Switch to start.

Current Account Switch Guarantee (PDF, 39KB)

A Guide to Switching Current Accounts (PDF, 3MB)

How does the Switch service work?

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.

Important Information

First things first. You can apply if you:

  • are aged 18 or over and a UK resident

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.