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Packaged Bank Accounts

Change your account to a Reward Silver

Available to existing current account customers only

Upgrade your reward bank account with insurance and lifestyle benefits

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

Insurance cover for European travel

Mobile phone 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 Card. Limits apply.

£10 monthly fee

Important guidance on your travel insurance and Coronavirus (Covid-19)

You should refer to the policy terms and conditions for details of the cover provided.  We know you will want to understand how that applies to the Covid-19 pandemic and this is summarised below for some of the main queries we receive.

Your Travel insurance will provide cover for cancelling a trip if:

  • you have Covid-19, or
  • you are quarantined before your trip starts

As long as you weren’t aware of this reason to cancel when you booked the trip or your cover started, whichever is later. 

You will also be covered for cancelling a trip if:

  • the Foreign & Commonwealth Office (FCO) is advising against travel due to Covid-19, as long as this advice wasn’t in place when you booked the trip or your cover started, whichever is later.

When there is no FCO advice against travel, you will be covered whilst on a trip for emergency medical expenses including reasonable additional travel costs and for cutting short a trip due to Covid-19.

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? This account offers European travel insurance that covers you for up to 22 days per trip. The policy also includes winter sports cover (underwritten by U K Insurance Limited).

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 use your Reward Silver 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.

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.

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.

Important documents to read

We do our best to ensure everyone is aware of their account terms and conditions, please take some time to review, print and/or save a copy of these.

For our existing customers

To upgrade or switch you need to be an existing NatWest current account customer.

We're not accepting applications for new accounts at this time. We apologise for any inconvenience 

Switch to NatWest

Switch a current account held elsewhere to your existing current account using the Current Account Switch Service.

Upgrade or change my account

Change your existing NatWest current account online.

Change my sole account