Open a Premier Reward Black account

When you open a Premier Reward Black account, you’ll earn Rewards on selected household bills.

You could earn £122 on average in Rewards a year. This figure is based on paying seven types of selected household bills of £507 a month and is before the Reward monthly account fee is paid. 5 Rewards = £5.00.

More about Rewards

2% back in Rewards on eligible household bills

You’ll automatically earn Rewards on the following bills as long as you pay them by Direct Debit; Council Tax, gas, electricity, water, home & mobile phone, TV package and broadband.

1% back in Rewards at partner retailers

You can earn at least 1% at our partner retailers when you use your NatWest debit card.

What you should know

Payments to billing organisations which are for other services such as maintenance, repairs or insurance will not earn Rewards.

Already a Premier Reward Black account customer?

Login to MyRewards

Once you have opened your Reward bank account you can set up a MyRewards account. This is where your Rewards are automatically stored. It’s also where you go to check your personalised offers or your Rewards balance. 5.00 Rewards = £5. Once it’s the equivalent of £5 or more, you can choose any of the following:

Bank it

Convert your rewards into money by simply transferring it into your NatWest bank account. It takes 5 days to clear into your chosen account.

Trade up

Exchange your Rewards for gift cards or codes at our selected partner retailers.

Donate

Convert your Rewards into money and donate it to one of our chosen charities.

Already a Premier Reward Black account customer?

Login to MyRewards

We’ll automatically send you a DragonPass Premier membership card when you open or upgrade to a Premier Reward Black account.

You will need your membership card to gain access to lounges and receive discounts at spas and restaurants. 

Download the DragonPass Premier app from the Apple App and Google Play store. The app provides full details about your benefits including lounge locations and opening times, and the ability to purchase guest visits and pre-book selected lounges.

If you have a joint account and are travelling with the other account holder, you will both need to show you membership cards, either the plastic version or through the app, to access lounges and receive discounts.

Learn more and download the DragonPass Premier App

Airport lounges are owned and operated independently of DragonPass. Admission is granted subject to capacity and at the discretion of the lounges.

Family cover includes you and your partner, plus any dependent children aged under 18 at the start of the journey, (under 23 if they’re in full-time education). Children must be living at the home address (or with the other parent), and be neither married or in a Civil Partnership

Your partner is the person the account holder lives with at the same home address in a relationship, whether married or cohabiting

Medical conditions

If you have a new or existing medical condition please visit membership services. You may have to pay extra for this or you may find that your condition cannot be covered. 

If anyone covered by this policy is aged 70 or over, you must call us each year to obtain cover. You will need to pay an annual premium of £75 per person insured aged 70 or over and be medically screened.

You can call us on:

Telephone: 0345 266 8801
International: +44 1252 308 793
Minicom: 0370 600 0856

Lines are open: 8am-8pm Monday - Friday, 9am-5pm Saturday, 10am-5pm Sunday and 9am-5pm on bank holidays. We are closed Christmas Day, Boxing Day, New Years Day and Easter Sunday. Calls may be recorded.

Already a Reward Black account customer?

Make a travel insurance claim

Order in advance online or over the phone. Orders must be through Membership Services to receive preferential rates.

Preferential exchange rate on foreign currency - minimum order of £100 applies

0% Commission on all foreign currencies

Free delivery to your home or a branch of your choice within the UK

Payment from any UK credit or debit card

Already a Premier Reward Black account customer?

Order your travel money

Use our NatWest Premier Black app or book online to enjoy 10% discount on packaged holidays, hotels, car hire and more

Receive 5% discount when you book a cruise

Meet and greet upgrade when you book car parking

Fees and charges:

No credit card or booking fees.

No limit to the number of times you can use the service.

Charges apply to cancellations or changes to bookings.

Use your Premier Reward Black debit card for purchases anywhere in the world.

No Non-Sterling Transaction Fee when you make a payment outside the UK or payment in a foreign currency.

Not valid for ATM withdrawals. Other local fees may apply.

What you need to know about our Mobile Phone Insurance cover:

Covers the phone used on a daily basis by you, your partner and/or your children under 18 years old who live at home with you (under 23 years old if they are still in full time education and living at home with you outside term time).

There is no cover for phones owned by your employer.

Four approved claims can be made on this policy in any 12 month period.

Claims are settled by replacing or, in certain circumstances, repairing your phone. Our replacement phones are refurbished handsets in ‘as new’ condition using genuine manufacturer parts. Our repairs use genuine manufacturer or manufacturer quality parts.

There is a £100 excess for each approved claim when your phone is replaced.

There is a £50 excess for each approved claim when you choose our convenient walk-in or mobile repair options.

Replacement phones include a 12-month warranty. Phones repaired by our mobile or walk-in repair agents include a 24-month warranty.

What you need to know about UK & European car breakdown cover:

Includes Home call when your car won’t start at home;

Roadside assistance, anywhere in the UK and Europe;

For European trips outside the UK, cover only applies for vehicles less than 16 years old at the start of the trip;

There is no vehicle age limit for UK journeys;

The cover is for all vehicles owned by you and registered at your home address. You are also covered in any privately registered vehicle you travel in, anywhere in the UK.

Anyone driving or travelling in the vehicle owned by you is covered too;

Limited to 5 callouts in any 12 months; and

Doesn't cover any repair costs once the insured vehicle has been transported to a garage or repairer.

Already a Premier Reward Black account customer?

In the event of a breakdown please call:

UK - 0800 051 0069
Europe - +44 (0) 1252308790

Cover for two homes – your main residence and any second you own in the UK (excluding properties you rent out).

To be covered the home must be owned by you and be your permanent, or secondary, private place of residence. Detached garages and outbuildings are not covered. Your home must be in the United Kingdom or the Isle of Wight.

Other exclusions:

External water supply pipes;

Boilers over 10 years old, or with an output over 75kw;

Any emergency if your home has been unoccupied for more than 60 consecutive days

Detached garages and outbuildings; and

Homes in Northern Ireland, the Channel Islands, the Scilly Isles and the Isle of Man.

It's important to remember that this is not a household buildings or contents insurance policy, or an equipment maintenance contract.

Already a Premier Reward Black account customer?

If you suffer an Emergency at your Home please call:

Telephone: 0345 601 7188
Minicom: 0345 600 0512

Our 24/7 concierge service can help you with things like:

Getting your hands on hard-to-get tickets

Booking a table at a top restaurant anywhere in the world

Recommending and securing a special gift for any occasion, even gift-wrapped if you need it

Booking an executive car; or

Creating that trip of a lifetime

How do I contact the concierge team?

Use our NatWest Premier Black app or contact us online, any time, day or night.

Order up to six tickets through the booking service for each event, up to four bookings a year.

Enjoy 25% discount on tickets to the latest concerts and shows.

Use our NatWest Premier Black app or order online, any time, day or night

How do I get my cashback?

You don't need to do anything. It will be paid into your Reward Black account within 30 days of your booking.

Up to 40% of the prices of cinema tickets

Valid at over 250 UK cinemas including Vue, ODEON and Showcase

Any day, any time, any film

How to get your discount?

Purchase or redeem your cinema eCodes with our NatWest Premier Black app

Buy online through Membership Services

Store receipts as proof of purchase or warranty, handy if you want to return anything

Helpful when completing tax returns or sharing expenses with your accountant

Categorise spend in separate folders, tracking total spend

Learn more about Receipt Management

Mobile App available to Online Banking customers with a UK or international mobile number in specific countries. This service is available to Premier & Business Banking customers only. Available on iOS (9 and above) and Android (4.4 and above).