A rewarding experience

We'll automatically send you a membership card to Priority Pass™ in the post when you open or upgrade to a Reward Black account.

You need your membership card to gain access to lounges. If you have a joint account and are travelling with the other account holder, you both need your membership cards to show when you arrive.

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

Learn more about Priority Pass

Download the Priority Pass app before you travel to check lounge listings, opening & closing times and any restrictions that may be in place.

Download the Priority Pass app

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 601 7188
Minicom: 0345 600 0512

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 Reward Black account customer?

Order your travel money

Up to 10% off the base price of holidays, including cruises, with a number of major tour operators.

10% discount on airport parking, UK airport lounge access, car hire, transfers, attractions and airport hotels.

10% discount on baggage allowance upgrades and in-flight meals on Thomas Cook Airlines.

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.

Already a Reward Black account customer?

Start planning your holiday

When you open a 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 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 Reward Black account customer?

Login to MyRewards

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

Our replacement phones are refurbished handsets in ‘as new’ condition using genuine manufacturer parts.

There is a £100 excess for each successful claim.

Already a Reward Black account customer?

Register your mobile phone or make an insurance claim.

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;

Cover for vehicles you own that are kept and registered at your home address;

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 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 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.

Already a Reward Black account customer?

Log in to Membership Services

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

Tickets can be booked by phone or online via the membership services website.

Cashback is calculated on the full price of the ticket including any booking fees.

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.

Already a Reward Black account customer?

Log in to Membership Services