Products and Services

Experience the full benefits of Premier

Premier helps you every step of the way

With Premier Banking you’ll have a Premier Banking Manager to help put your financial plans into place. You can choose from a range of products and services which are designed to meet your needs, as well as expert help available for you 24/7, online or on the phone as you need it.
Premier Banking is a free service available to customers who are permanent UK residents, with a sole income of at least £100,000 or a joint income of £120,000 paid into your NatWest account, or minimum outstanding mortgage borrowings with us of £500,000, or savings or investments of at least £100,000 held with us.

An exclusive account for Premier customers

To apply, you must be aged 18 or over and a UK resident.

Reward Black account

£28 monthly fee

With a Reward Black account you get:

Access to over 1,000 international airport lounges with DragonPass.

Worldwide travel insurance

24/7 Concierge Service

UK & European car breakdown cover

Many more exclusive benefits

Looking for a different bank account?

You can view all our bank accounts, with and without monthly fees, by visiting the NatWest personal website.

 

Products & Services

Borrow

Mortgages

Looking to remortgage or invest in rental property? Our experienced team could help you find the right mortgage for your needs.

Mortgages in detail

We offer the same rates to new & existing mortgage customers. Our mortgage tools give you an accurate indication of the type of mortgage you could get based on your current circumstances.

For mortgages over £500,000, our Mortgage Concierge team are available when you need them:

Talk to the same person, every step of the way.

Have an experienced team who understand the complexity of your mortgage needs and income streams.

Competitive rates.

More about our mortgages

NatWest mortgages are available for over 18s. Your home or property may be repossessed if you do not keep up repayments on your mortgage.

Personal loans

With a Natwest personal loan you could borrow between £1k and £50k. If you bank with us online. We can pre-fill your application, saving you time.

Personal loans in detail

Borrow between £7,500 and £19,950 at our rate of Representative 3.4% APR.

Other amounts available at alternative rates. Our rates depend on your circumstances and loan amount and may differ from the Representative APR. To apply, you must be 18+ and a UK resident with either a NatWest current account (held for 3+ months), credit card or mortgage (held for 6+ months). Credit card and mortgage customers must apply online or by phone.

Whatever your goal – a new car, a new kitchen, or anything else, a NatWest personal loan could help.

We offer loans between £1,000 and £50,000

Online decision in minutes

Bank with us online? We can pre-fill your application, saving you time.

Funds available the next working day - If you use online banking, apply before 5.55pm Mon-Thur and have your loan unconditionally accepted. 

Visit the NatWest personal website to learn more about personal loans.

More about personal loans

Credit cards

At NatWest we have a range of credit cards, designed to suit your needs. Compare the benefits and find out if we have the right credit card for you.

Credit cards in detail

We offer a range of credit cards to suit your needs. Compare the benefits and find the right one for you.

The Reward Black credit card could be the perfect partner for your Reward Black account. Representative 37.1% APR (variable). Annual fee applies – but refunded if you have a Reward Black current account. To apply, you must be a mainland UK resident, aged 18+ and earn £15k+ per year. 

No foreign transaction fees;

Earn Rewards on your everyday spend; and

Personalised priority servicing.

Visit the NatWest personal website to find out more about our range of credit cards.

More about the Reward Black credit card

See all credit cards

Save

Savings accounts

Whatever you’re saving for, a new car, a dream holiday or a rainy day, it’s easy to get into the habit of saving each month. Our savings accounts offer a range of interest rates, so you can choose the one that best suits your growth plan.

Savings accounts in detail

We offer a variety of savings accounts which give you instant access and reward you for saving regularly or leaving your savings untouched.

With Premium Saver you can earn bonus interest every month by leaving your savings untouched.

If you need access to your savings, the interest rate only drops for the month you withdraw your money. Leave it untouched the following month, and you’ll get the bonus interest again.

Instant access to your savings when you need it.

Earn bonus interest on savings between £25,000 and £1 million.

Visit the NatWest personal website to learn more about our Premium Saver.

More about Premium Saver

See all savings accounts

Invest

NatWest Invest

NatWest Invest lets you decide how you want to invest. If you are comfortable making your own choices, then you can start investing from as little as £50. If you are not sure, try our fully automated advice service.

NatWest Invest in detail

NatWest Invest is all about making investing easy – invest online in minutes.

Choose from five ready made investment funds ranging from low to high risk - with or without the added feature of our fully automated advice service.

Benefit from UK tax efficient returns, if you invest through a Stocks & Shares ISA. With clear charges, you’ll also see what pay in pounds and pence. Keep track of your investment online, 24/7.

Visit the NatWest personal website to learn more about NatWest Invest.

More about NatWest Invest

More about investments

The value of investments can go down as well as up, so you could get back less than you invest. Tax reliefs referred to are those applying under current legislation, which may change.  The availability and value of any tax reliefs will depend on your individual circumstances.

Investment advice

Our Face-to-Face Advice Service is provided by wealth managers in our Private Client Advice team. They can provide guidance and recommendations based on your individual circumstances. A fee applies for this service.

Investment advice in detail

Our Private Client wealth managers go through regular training and development, so you can be confident you’re getting professional advice you can trust.

They will assess your individual circumstances, and recommend a strategy which best suits your assets, goals and attitude to risk.

More about our Face-to-Face Advice Service

The value of investments can go down as well as up, so you could get back less than you invest.

Insure

Premier Insurance

Insure everything that matters to you with one easy to manange portfolio. Our Premier Insurance team can help you get the cover you need.

Premier Insurance in detail

One policy, one renewal. Expert help and dedicated claims support, 24/7.

Our Premier Insurance team are accredited by the Chartered Institute of Insurers. They have the expertise to help you get the right amount of cover:

Home Insurance: Enhanced cover for your home and valuables.

Car Insurance: Cover multiple cars including classic and sports under one policy.

Pet Insurance: Cover for your pets with no restrictions on the number of claims you can make.

Making a claim: Call our dedicated claims team 24/7, you’ll have one point of contact to manage your claim.

More about Premier Insurance

Underwritten by U K Insurance Limited

Plan

Making a Will

Our team has the experience to provide you with an expert Will-writing and Executor Service, tailored to your individual circumstances. A fee applies for this service.

Will-writing in detail

Help ensure your money and assets are shared out according to your wishes with our Will-writing & Executor Service.

Administering an estate can be complex, but our specialist team has the knowledge and experience to perform the task efficiently on your behalf.

Our expertise helps ensure your wealth is passed on in an efficient and professional manner.

More about Will-writing and Executor Service

Estate Administration

The loss of a family member or close friend is always difficult. Our Estate Administration service can take care of the details for you. A fee applies for this service.

Estate Administration in detail

Sorting out a deceased estate can be a long and complicated process. Usually there are funeral expenses, household bills, taxes and other bills to be taken care of, as well as assets that need divided up.

Our Estate Administration Service is provided by Hugh James Solicitors in England & Wales and Brodies for customers in Scotland (a fee applies). This service will take care of all the details for you.

More about Estate Administration Service

Personal tax advice

Your Premier Banking Manager can refer you to members of our panel of companies; they can help with tax returns and give tax advice at a discounted rate.

Personal tax advice detail

From personal tax advice to bespoke arrangements, our panel of tax advisers can help with identifying tax planning opportunities and highlighting potential pitfalls and penalties.

Complete your tax return

Make use of your legitimate exemptions

Ensure you pay the right amount of tax

Provide insightful expertise on broader and longer-term tax considerations

You Premier Banking Manager can put you in touch with our panel of leading tax advisors who can help you with these issues.

More about Premier Banking Managers

How can my Premier Banking Manager help me?

Our proactive Premier Banking Managers are accredited to help you achieve your financial goals – whether that’s reviewing your investment needs, financing your next property or helping you devise a long-term strategy for your money. They’re ready to provide you personalised assistance based on your needs.

Help to Switch your account to NatWest

We can help you switch bank accounts within your application - to start, just choose the bank account that's right for you.

The Current Account Switch Service will move everything across from your old account to your NatWest account, including Direct Debits, standing orders etc, within 7 working days. It's completely free and backed by an industry-wide guarantee to ensure the move goes smoothly.

Visit our NatWest personal site to learn more about the Current Account Switch Service.

Join Premier and enjoy the benefits. You need to be a permanent UK resident and meet one of these criteria:

Income – Minimum £100k sole income or £120k joint income paid into your NatWest account

Mortgage borrowings – £500k minimum mortgage borrowing with us

Savings or Investments – Minimum £100k savings or investments held with us

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.