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Packaged Bank Accounts

Open a Reward Silver account

Our way of giving you something back

Earn 2% in Rewards on 7 types of household bills paid by Direct Debit. On 1st February 2020 we're changing the way you can earn Rewards.

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

Also includes insurance cover for European travel and your mobile phone

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

£150 when you switch to NatWest (available to new and existing customers)

£10 monthly fee

Hey you! Want £150?

Switch your current account to us and we'll give you £150 cashback.

Apply and open a new account or switch in to an existing account with us by the 6th December 2019.

In your application select to switch to us. The Current Account Switch Service will then automatically move your existing payments and close your account held elsewhere.

Pay in at least £1500 and log in to Online or Mobile banking by 24th January 2020.We'll pay £150 in to your NatWest account by the 21st February 2020.

Current Account Switch Guarantee (PDF, 39KB)

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

Switching offer Terms and Conditions (PDF, 35KB)

Offer not available on Student, Adapt or Foundation accounts. If you've had cashback for switching to NatWest (or Royal Bank of Scotland) since October 2017 you won't be able to get it again.

Compare our Reward accounts

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.

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 Foreign Purchase 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.

We're changing the way you can earn Rewards

On the 1st February 2020, instead of earning 2% back in Rewards on household bills, you'll earn £4 a month back in Rewards for 2 or more Direct Debits - 2 of those Direct Debits need 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!

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.

Not sure this account is for you?

View our range of accounts, which includes our everyday bank account with no monthly fee and all the standard features that help make your banking hassle free.

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

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 info

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?

To get the £150 switching offer you must:

  • Switch an account you hold elsewhere to NatWest by 6th December 2019. When you apply tell us you want to switch.
  • Pay in at least £1500 and log in to Online or Mobile Banking by 24th January 2020.

You won't be eligible for our switching offer:

  • If you've had a cashback for switching to us (or Royal Bank) since October 2017
  • If we're only able to offer you a Foundation account instead of a Reward Silver account. 

Take a look at the full offer Terms and Conditions (PDF, 35KB)

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.

To get the £150 switching offer you must:

  • Switch an account you hold elsewhere to NatWest by 6th December 2019. When you apply tell us you want to switch.
  • Pay in at least £1500 and log in to Online or Mobile Banking by 24th January 2020.

You won't be eligible for our switching offer:

  • If you've had a cashback for switching to us (or Royal Bank) since October 2017
  • If we're only able to offer you a Foundation account instead of a Reward Silver account. 

Take a look at the full offer Terms and Conditions (PDF, 35KB)

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. 

I have a current account with NatWest...

What would you like to do?

Which account would you like to change?

Switching offer

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

To qualify you must close and switch a current account held elsewhere in to your NatWest account.

Great, looks like you're all set and ready to go...

Switching offer

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

To qualify you must close and switch a current account held elsewhere in to your NatWest account.

Great, looks like you're all set and ready to go...

Do you know your Online Banking details?

To get the £150 switching offer you must:

  • Switch an account you hold elsewhere to NatWest by 6th December 2019. When you apply tell us you want to switch.
  • Pay in at least £1500 and log in to Online or Mobile Banking by 24th January 2020.

You won't be eligible for our switching offer:

  • If you've had a cashback for switching to us (or Royal Bank) since October 2017
  • If we're only able to offer you a Foundation account instead of a Reward Silver account. 

Take a look at the full offer Terms and Conditions (PDF, 35KB)

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 £150 switching offer you must:

  • Switch an account you hold elsewhere to NatWest by 6th December 2019. When you apply tell us you want to switch.
  • Pay in at least £1500 and log in to Online or Mobile Banking by 24th January 2020.

You won't be eligible for our switching offer:

  • If you've had a cashback for switching to us (or Royal Bank) since October 2017
  • If we're only able to offer you a Foundation account instead of a Reward Silver account. 

Take a look at the full offer Terms and Conditions (PDF, 35KB)

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 £150 switching offer you must:

  • Switch an account you hold elsewhere to NatWest by the 6th December 2019. When you apply tell us you want to switch.
  • Pay in at least £1500 and log in to Online or Mobile Banking by 24th January 2020

We're sorry but if you've had a cashback for switching to NatWest (or Royal Bank) since October 2017 you won't be eligible for this offer.

Take a look at the full offer Terms and Conditions (PDF, 35KB)

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.

Do you know your Online Banking details?

To get the £150 switching offer you must:

  • Switch an account you hold elsewhere to NatWest by 6th December 2019. When you apply tell us you want to switch.
  • Pay in at least £1500 and log in to Online or Mobile Banking by 24th January 2020.

You won't be eligible for our switching offer:

  • If you've had a cashback for switching to us (or Royal Bank) since October 2017
  • If we're only able to offer you a Foundation account instead of a Reward Silver account. 

Take a look at the full offer Terms and Conditions (PDF, 35KB)

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 £150 switching offer you must:

  • Switch an account you hold elsewhere to NatWest by 6th December 2019. When you apply tell us you want to switch.
  • Pay in at least £1500 and log in to Online or Mobile Banking by 24th January 2020.

You won't be eligible for our switching offer:

  • If you've had a cashback for switching to us (or Royal Bank) since October 2017
  • If we're only able to offer you a Foundation account instead of a Reward Silver account. 

Take a look at the full offer Terms and Conditions (PDF, 35KB)

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.