NatWest Bank Accounts

Find the right bank account for you

Select Account

Our most popular account for day-to-day banking, with no monthly fee

Manage your account using our Mobile Banking app. Criteria applies.

Multiple ways to pay; Apple Pay, Google Pay and Contactless Visa Debit Card. Limits apply.

No monthly fee

To apply, you need to be 18+ and a UK resident.

Reward bank accounts

Compare our reward accounts below and choose one that best suits your needs. Earn £4 a month back in Rewards for 2 or more Direct Debits – they need to be at least £2 each. Plus, an extra £1 a month back in Rewards with 1 mobile app log in.

To apply, you need to be 18+ and a UK resident. To hold a Reward account, you'll need to pay £1,250 into your eligible NatWest account every month (not applicable for Reward Silver or Reward Platinum)


Earn monthly Rewards for Direct Debits and logging into our mobile app.

For £2 a month you'll get:

Up to £5 a month back in Rewards

1% back in Rewards when you spend at our partner retailers: Caffe Nero, Europcar and more

Reward Silver

Upgrade your rewards with insurance and lifestyle benefits

For a monthly fee of £10 you'll get all the benefits of our Reward account, plus:

European travel insurance

Mobile phone insurance

Fee free debit card purchases abroad

2 for 1 or 50% off your food bill at thousands of UK restaurants with tastecard™ 

Up to 40% off the price of cinema tickets

Reward Platinum

Even more travel and insurance benefits

For a monthly fee of £20 you'll get all the benefits of our Reward Silver account, plus:

Worldwide travel insurance

UK car breakdown cover

Discounts on holidays when you book with Platinum Travel Service

Two free UK airport lounge passes with each Platinum Travel Service holiday booking

Student and Children's accounts

Our accounts are tailored for whatever stage of life you're at.

Specific account eligibility criteria applies.

Student bank account

Get uni life off to a great start

Choose 1 of 3 great offers; a tastecard™, Amazon Prime membership or National Express Coachcard

Get an interest free overdraft of up to £2,000 (£500 in the first term) 18+, subject to approval.

Use our mobile app to help you bank anytime, anywhere

International students can get the account for a £10 monthly fee

No monthly fee for UK students 

Child & Teen bank account - Adapt

Helping 11-18 year olds start managing their money

Pays interest on your balance

Easy to use mobile app, with added payment restrictions for peace of mind

Get your own Visa debit card, works with Google Pay™ and Apple Pay. Criteria applies.

No monthly fee

Foundation account

Our basic account designed to help you manage your money.

If you've encountered difficulties with money, you may not be eligible for a number of our bank accounts and might be offered the Foundation account instead.

  • Get your own Visa Debit card (*contactless not available)
  • Easy to use mobile app
  • No monthly fee

You can't apply directly for the Foundation current account. We may offer it to you if we think it's more suitable during an application for one of our other accounts.

Premier bank accounts

An exclusive service with a range of bank accounts to choose from.

To apply you must be 18+ and a UK resident. Premier Banking subject to income, lending or saving criteria. Specific account criteria also applies.

Joint accounts

If you're looking to share your account with another, a joint bank account could make sense.

European accounts

If you live in the EU area, we have bank accounts just for you.

Supporting our customers

If you want to see how we have performed in key service areas and how we support all personal customers, you can get a detailed view here

Financial services compensation scheme

Your eligible deposits with NatWest are protected up to a total of £85,000 by the Financial Services Compensation Scheme, the UK's deposit guarantee scheme.

Find out more about the scheme and how it protects your money.