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.

£175 when you Switch

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

£175 when you Switch

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

£175 when you Switch

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

£175 when you Switch

Features and benefits

Features and benefits

Switch and get £175

Switch your bank account to NatWest and get £175 cashback. Choose from our most popular Select account, or from one of our Reward accounts.

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)

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

No monthly fee

Joint bank accounts

If you're looking to share your account with another, a joint bank account could make sense. Select, our everyday bank account, and all our Reward accounts are available as joint accounts too. 

Moving in with someone? Check out our handy tips to help set up your new home.

Other current accounts

If our other accounts aren't quite right for you, see what else we have.

Specific account eligibility criteria applies.

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.

European accounts

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

Premier accounts

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

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

We're changing our overdraft pricing

Between 27 March and 2nd April 2020, we will be making some changes. The changes vary depending on the account you have with us. You can find out more by visiting our overdraft pricing changes hub.

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.