Premier Bank Accounts

Open a Premier Reward Black account

£31 monthly fee

Benefits for when you're at home or abroad

With Premier Reward Black you can enjoy worldwide family travel insurance, access to over 1,000 international airport lounges with Dragon Pass Premier , 24/7 Concierge Service, UK and European car breakdown cover as well as 2% back in Rewards on 7 types of household bills paid by Direct Debit.

Available to customers who are aged 18 or over and a UK resident. You must also have either: a minimum £100k sole income or £120k joint income paid into your NatWest account, or £500k minimum mortgage borrowing with us, or minimum £100k savings or investments held with us. To keep earning Rewards on your household bills, you must log into online or mobile banking at least once every three months.

I already have a Reward Black account

Learn more about our NatWest Premier Black app or find out how to set-up and use your account benefits.

Features and benefits

From 1st October 2019, we're changing our mobile phone insurance provider from Aviva Insurance Limited to American International Group UK Limited (AIG). Administered by Brightstar Insurance Services. There is no change to the level of cover provided, except for the removal of cover for unauthorised calls.

Account benefits

Travel

Worldwide Airport Lounge Access

DragonPass Premier gives you unlimited access to over 1,000 lounges worldwide, plus you can enjoy discounts at airport restaurants, cafes and spas. Many lounges can now be pre-booked for just £5 per person per visit to avoid disappointment during busy travel times. You can also bring travel guests (£20 per person).

Worldwide Travel Insurance

Our worldwide travel insurance covers you and your family for trips up to 90 days, including 31 days for winter sports. The policy also has £10 million medical expenses cover (underwritten by U K Insurance Ltd)

Travel Money

You’ll get preferential rates on foreign currency from our Travel Money Service – we’ll even deliver to your door.

Black Travel Service

You could enjoy 10% discount off breaks, holidays, car hire and overseas travel when you use the Black Travel Service.

Fee free debit card purchases abroad

No Foreign Purchase fee when you using your Reward Black debit card abroad.

Rewards

What are Rewards?

Get rewarded on seven types of household bills paid by Direct Debit. Your Reward balance can grow quickly - they’re easy to earn and exchange.

How do I earn Rewards?

You’ll earn 2% on eligible household bills paid by Direct Debit and at least 1% at our partner retailers.

How do I exchange Rewards?

It’s easy. Once your balance is the equivalent of £5, we’ll give you a choice of what you can do with them. You can bank them, trade them or donate them to one of our chosen charities.

Insurance

Mobile Phone Insurance

Many of us run our lives on our mobiles. Our mobile phone policy covers loss, theft, accidental damage and breakdown (once your warranty has expired). Policy underwritten by Aviva Insurance Limited.

UK & European car breakdown cover

Green Flag provide our UK & European Breakdown cover which includes returning you and your vehicle to your home address in the UK. We’ll give you options to get you to your destination if your vehicle can’t be fixed (Underwritten by U K Insurance Limited).

Home Emergency Service

24/7 home emergency cover up to £750 including VAT (underwritten by U K Insurance Limited). We only use approved repairers – finding someone you can count on.

Lifestyle

24/7 Black Concierge Service

Our 24/7 Black Concierge Service can help you with things like getting your hands on hard-to-get tickets or booking a table at a top restaurant anywhere in the world.

Black Ticket Service

Receive 25% cashback on tickets for theatre, dance, opera, concert performances and more throughout the UK and Ireland.

Cinema discount

Take advantage of up to 40% off the price of cinema tickets.

Receipt Management

Free access to our Receipt Management tool.

Not sure Rewards are for you?

View our everyday bank account with no monthly fee and all our standard features that help make your banking hassle free.

More features

Mobile banking app

Our Premier branded mobile banking app is secure and easy to use.

Use your account benefits

Make the most of your Premier Reward Black account with the NatWest Premier Black app.

Expert help, 24/7

Available online or on the phone, when and where you need it.

Joint accounts

This account is available as both a sole or joint account.

Arranged Overdraft

To help you out with those unexpected bills that can pop up occasionally.

Visa debit card

Use your Visa debit card to pay for purchases in shops and online, travel, meals out, coffees etc.

How to apply online

Have ID ready

We’ll need some details from you, such as your address history, monthly income and some ID.

Start your application

You can apply online right now if you are ready. Just use the section below to tell us about yourself.

Receive a welcome call

New to NatWest? Once you've completed your application we'll give you a call within two working days.

Ready to apply?

To open this account you must meet these requirements:

 
Aged 18+
A UK resident
To earn Rewards you need to log into Online or Mobile Banking at least once every three months.


You must also meet one of these criteria:

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

£500k minimum mortgage borrowing with us.

Minimum £100k savings or investments held with us.

Important information

Please take some time to review, print and/or save the important information. By clicking to proceed you are confirming that you have been provided with, and have acknowledged, our important documents including the FSCS information sheet.

Request a paper copy

Your ‘Insurance Product Information Document’ and your ‘What You Need to Know’ are available in a paper format. Let us know if you’d like this posted to you.

How your information might be used

It's important for you to understand how we use and share your information. Please read this short summary before you continue with your application.

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Thinking of upgrading?

If you have an existing NatWest account and wish to upgrade to our Premier Reward Black account, simply complete our online application and we'll do the rest.

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