Split bills, not hairs

Coming in 2021

What is Housemate?

Having to share your space with friends - or even random strangers - is normal when you're renting. So our new app, Housemate, is here to help smooth out some of the problems that might crop up.


If you have a UK bank account, Housemate can help make payments easier using Open Banking and even help you plan for the future by recognising your rent payments to build your credit history.

We're here for every housemate

For the one who likes to keep on top of things

Open Banking lets you connect most UK bank accounts to our new app

For the one who needs to write everything down

Keep on top of things with automated reminders and easy expense settling

For the one who usually sorts out ‘who’s paying what’

Make splitting shared bills a piece of cake and avoid any disagreements

For the one who plans for the future

Get recognition for your rent payments and build your credit history

Be one of the first

We want you to be one of the first to try our new app. Simply register your interest by clicking below and we’ll let you know when Housemate is ready to download.

How does Housemate work

Settle up

Settle up seamlessly

Housemate Balance helps you stay on top of ‘who owes who’ with one complete list of transactions – especially useful if you’re on a tight budget. An easy way to settle up with the entire house, or to pay just one person you live with.

Clear record

Have a clear record with housemates

Our app keeps things clear and simple. You can add expenses straight from your bank account, see your transaction history and if anyone you live with needs an *ahem* gentle cue to pay up – our GIF reminders will save you from nagging.

Build for the future

Build for the future

You could build up your credit file when you register your rent payments with Housemate (this feature is currently only available in England and Wales). We’ve even got a ‘Credit score checklist’ on the app that contains key actions that you can take to improve your score so you could get on that property ladder sooner.

Link your bank

Link your bank

We use Open Banking to ensure that you and your housemates get the full Housemate functionality, regardless of who you bank with, so long as they’re Open Banking enabled; most banks are. Whether it’s in-app payments to each other or syncing your latest transactions, everyone is an equal in our house.

Your Credit File

What is it?

Your credit file contains all the information held on how you’ve managed credit in the past. Your credit score is a numerical representation of said credit file and predicts the likelihood that you’ll pay your credit on time in the future.

Why does it matter?

The more comprehensive your credit file and in turn score, the more likely you are to be accepted for a wide range of financial products such as loans, mortgages, credit cards and other common household bills including phone and energy contracts.

How could Housemate help?

A good credit score could help you get onto the housing ladder quicker. This is why Housemate aims to allow you to seamlessly build your credit file with rent recognition (currently only available in England & Wales).  

Important documents to read

Please take some time to review the Housemate Pilot privacy notice and terms & conditions.

Housemate pilot privacy notice

Your right to privacy and online security is important. This privacy notice applies to all personal information processing activities carried out by the NatWest Housemate App.

Housemate pilot terms & conditions

By taking part in this pilot you’re agreeing to be bound by these terms, together with our Privacy Policy, so it’s important that you read them before you accept them.

Helpful guides

Whether you’re about to rent for first time or thinking about buying your own place, we’ve got useful tips to help you on your way.

Student living

Did you know rent is the biggest expense facing students in the UK? Luckily, we have tips to help you sort your budget.

Key renting considerations

It’s always good to know what’s ahead of you. Learn more about renting, from costs and fees to knowing your rights.

Becoming a homeowner

It’s a big step but we have everything you need to know. From saving for a deposit to stamp duty to the mortgage application process.

Looking for something else?