Open a Reward Platinum account

When you open a Reward Platinum account, you’ll earn Rewards on selected household bills. You could earn £83 on average in Rewards a year. This figure is based on paying 7 types of selected household bills of £345 a month and is before the Reward monthly account fee is paid. 5 Rewards = £5.00.

When you open a Reward bank account, you’ll earn Rewards on selected household bills. You could earn £83 on average in Rewards a year. This figure is based on paying 7 types of selected household bills of £345 a month and is before the Reward monthly account fee is paid. 5 Rewards = £5.00.

2% back in Rewards on eligible household bills

You’ll automatically earn Rewards on the following bills as long as you pay them by Direct Debit; Council Tax, water, gas, electricity, mobile, landline TV package and broadband. Payments to billing organisations which are for other services such as maintenance, repairs or insurance will not earn Rewards.

1% back in Rewards at partner retailers

You can earn at least 1% at our partner retailers when you use your NatWest debit card.

Earn additional Rewards when you shop with our Reward credit card. Representatative 23.7% APR (variable). Annual fee applies - refunded if you have a Reward current account.

To apply you must be 18+, a mainland UK resident and earning at least £10k per year.

Once you have opened your Reward bank account you can set up a MyRewards account. This is where your Rewards are automatically stored. It’s also where you go to check your personalised offers or your Rewards balance. 5.00 Rewards = £5. Once it’s the equivalent of £5 or more, you can choose any of the following:

Bank it

Convert your rewards into money by simply transferring it into your NatWest bank account. It takes 5 days to clear into your chosen account.

Trade up

Exchange your Rewards for gift cards or codes at our selected partner retailers.

Donate

Convert your Rewards into money and donate it to one of our chosen charities.

Family cover includes you and your partner, plus any dependent children under age 18 at the start of the journey, (under 23 if they’re in full-time education). Children must be living at the home address (or with the other parent), and be neither married or in a Civil Partnership.

Your partner is the person you, the account holder, lives with at the same home address in a relationship, whether married or cohabiting.

If you have a medical condition, please call 0345 609 0453 (or Minicom number 03456 000 512) to confirm your premiums and cover.

If anyone covered by the policy is aged 70 or over, there’s a £75 annual premium per person insured aged 70 or over. If you have an existing medical condition, you may have to pay an additional premium or accept that your cover may exclude certain conditions.

Enjoy 10% discount on holidays, hotels, car hire and more.

Receive 5% discount when you book a cruise.

Airport lounge access for 2 with any flight or holiday booking.

Register online here to book your holiday, car hire or hotel any time, day or night

What you should know

No credit card or booking fees. No limit to the number of times you can use the service. Charges apply to cancellations or changes to bookings.

Order in advance online or over the phone. Orders must be through Membership Services to receive preferential rates. Minimum order of £100 applies, maximum £2,500.

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

No Non-Sterling Transaction 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.

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

2 approved claims can be made in any 12-month period. If this is a joint account, each account holder can make 2 approved claims, with a maximum of 4 per account.

Claims are settled by replacing or, in certain circumstances, repairing your phone. Our replacement phones are refurbished handsets in ‘as new’ condition using genuine manufacturer parts. Our repairs use genuine manufacturer or manufacturer quality parts.

There is a £100 excess for each approved claim when your phone is replaced.

There is a £50 excess for each approved claim when you choose our convenient walk-in or mobile repair options.

Replacement phones include a 12-month warranty. Phones repaired by our mobile or walk-in repair agents include a 24-month warranty.

Cover is for all vehicles owned by you and registered at your home address. You are also covered in any privately registered vehicle you travel in, anywhere in the UK, including Homecall.

Limited to 5 callouts in any 12 months.

Doesn't cover any repair costs once the insured vehicle has been transported to a garage or repairer.

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

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

Any day, any time, any film

Some restaurants may exclude tastecard use on Friday or Saturday evenings, Mother’s Day, Father’s Day, Valentine’s Day, the whole of December and potentially other "event" type days.

Where restaurants offer 50% off they may limit the number of people; where restaurants offer 2 for 1 this does not include side dishes or extras.

Some restaurants require the customer to book prior to arriving.

Our mobile app is available to Online Banking customers with a UK or international mobile number in specific countries.

What can you get up to with our mobile app?

Log in with your fingerprint on selected Apple and Android devices– it’s simple, secure and fast.

View, cancel and amend your regular payments – so you manage your bills where and when it suits you. Limits apply.

Easily pay family and friends using their mobile number - (as long as they have our mobile app or are registered for Paym). Pay Your Contacts makes it quick and easy, and they’ll get the money instantly. Limits apply.

Get cash without your card – Ideal if you’ve left your card at home. Simply go to any NatWest or Tesco cash machine and follow the steps in the app. You can withdraw up to £130 every 24 hours.

That’s only half the story. Find out what else you can do. More about Mobile app.