Manage Account Benefits - Reward Black Account | NatWest Premier



Manage your Reward Black account

An exclusive account for our Premier Customers

Worldwide airport lounge access and travel insurance

24/7 concierge service and mobile phone insurance

2% in Rewards on 7 types of household bills paid by Direct Debit

Log in to Membership Services
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“Black account” refers to Black and Reward Black accounts

Your account benefits

Travel benefits

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Worldwide Travel Insurance

Worldwide travel insurance that covers you and your family for trips up to 90 days including 31 days for winter sports. The policy also includes £10 million medical expenses cover. Underwritten by U K Insurance Limited.

What you should know:

  • Family cover includes you and your partner, plus any dependent children under age 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 you, the account holder, live with at the same home address in a relationship, whether married or cohabiting
  • To find out if you can extend your travel insurance to include cover for any new or existing medical conditions please visit our travel insurance website or call 0345 601 7188 (or Minicom 0345 600 0512). You may have to pay extra for this or you may find that your condition cannot be covered. 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.
  • If anyone covered by this policy is aged 70 or over, you must call us each year in order to obtain cover. You will need to pay an annual premium of £75 per person insured aged 70 or over and be medically screened.
  • If you have an existing medical condition, you may have to pay an additional premium or accept that your cover may exclude certain conditions.
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Worldwide Airport Lounge Access

With Priority Pass™ you can have unlimited visits to over 1,000 VIP airport lounges around the world. You can also bring travel guests, for a payment of £15 each.

What you should know:

  • We'll automatically send you a membership card to Priority Pass™ in the post when you open or upgrade to a Reward Black Account
  • Make sure you download the Priority Pass app before you travel to check lounge listings, opening & closing times and any restrictions that may be in place.
  • You will need your membership card to gain access to lounges. If you have a joint account and are travelling with the other account holder. You will both need to have your membership cards with you, and present them upon arrival at a lounge.

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

Download the Priority Pass app

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Travel money

Get preferential rates on foreign currency from our Travel Money service – we’ll even deliver the money to your door.

What you should know:


  • 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


How do I order travel money:


You can order travel money online or call us on 0345 601 7188 (Minicom 0345 600 0512).


Lines are open: 8am - 10pm Monday to Friday and 10am - 8pm on Saturdays and Sundays (excl. bank holidays). Calls may be recorded.

Protection benefits

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Mobile Phone Insurance

Your policy covers loss, theft, damage and breakdown (once your warranty has expired). Underwritten by Aviva Insurance Limited.

What’s included?

  • You’re automatically covered but we recommend that you register your handset to make the claims process quicker
  • Worldwide cover for your mobile phone against loss, theft, damage or breakdown. Please note if you’re outside of the UK we won’t replace your device until you return
  • 4 successful claims during any 12 month period
  • Unauthorised calls following loss or theft for up to £2,500 (inc VAT) for monthly contracts and £100 (inc VAT) for pay as you go customers
  • Accessories covered up to £250

What you need to know

  • Devices with a screen size more than 7 inches are not covered
  • 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.
  • There is a £100 excess for each successful claim.
    Our replacement phones are refurbished handsets in ‘as new’ condition using genuine manufacturer parts.

How do I make a claim?

Claims should be reported as soon as possible when theft, loss, damage or breakdown is discovered.
If your phone has been lost or stolen, you must contact your network provider within 24 hours (48 hours if you’re outside the UK)

If your phone is stolen, you should inform the police and get a crime reference number as soon as reasonably possible
Register your claim online or call us on 0345 601 7188 (Minicom 0345 600 0512).


Lines are open: 8am-8pm Monday to Friday. 9am-6pm Saturday, 10am-5pm Sunday and 10am-6pm on bank holidays, closed on Christmas Day. Calls may be recorded

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UK & European Car Breakdown Cover

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

What you should know:

  • Includes Homecall 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
  • Doesn't cover any repair costs once the insured vehicle has been transported to a garage or repairer.
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Home emergency service

  • 24/7 home emergency cover up to £750 including VAT (Underwritten by U K Insurance Limited).
  • Cover for two homes – your main residence and any second home you own in the UK (excluding properties you rent out).
  • Approved repairers - finding someone you can count on can be a challenge, but we have taken care of that.

Main exclusions:

  1. External water supply pipes
  2. Boilers over 10 years old, or with an output over 75kw
  3. Any emergency if your home has been unoccupied for more than 60 consecutive days
  4. Detached garages and outbuildings
  5. 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.

Lifestyle benefits                                    

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Black Concierge Service

A 24/7 concierge service to help you with those special requirements.

Our 24/7 Black Concierge service can help you with such things as:

  • Getting your hands on hard-to-get theatre tickets or 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.
  • Creating that trip of a lifetime.
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Black Ticket Service

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

What you should know:

  • 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.

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Account terms and policies

Account eligibility

Available to Premier banking customers who are aged 18 or over, a permanent UK resident and not been declared bankrupt in the last 6 years, with a sole income of at least £100,000 or a joint income of £120,000 paid in to this account, or a NatWest mortgage of at least £500,000, or £100,000 in NatWest savings and investments.


To keep earning Rewards on your household bills, you must log into online or mobile banking at least once every three months.


Important documents

We may update them from time to time, but we will always show the latest versions here. Please print or save a copy for your records. You will need Adobe Reader to view these documents.



Your Current Account Terms (including Fees & Interest Rates)


Black Account Benefit Terms


MyReward Terms


Reward Black Account Insurance Product Information Documents

Manage Reward Black Account Benefits

Rewards explained

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What are Rewards?

They're simple

You automatically earn Rewards on seven selected household bills paid by Direct Debit and on purchases at partner retailers. 5.00 in Rewards = £5.00.


They could grow quickly

There's no limit to the Rewards you can earn. Average earning of £83 in Rewards a year is based on paying bills of £345 a month and is before the Reward monthly account fee is paid.


They're easy to exchange

As soon as your available Rewards balance is the equivalent of £5 or more, you can convert your Rewards to money, which you can either transfer into your NatWest current account or use towards reducing your Reward credit card balance.


Rewards can also be exchanged for gift cards or codes at selected retailers or converted to money and donated to participating charities.

Learn more about Rewards

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How do I earn Rewards?

2% back in Rewards on seven household bills

You will earn Rewards on the following bills when you pay by Direct Debit from your Reward bank account; Council Tax, mobile, landline, TV package, gas, electricity and broadband.


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


At least 1% back in Rewards at partner retailers

After you've opened your account, you'll receive personalised retailer offers where you can earn extra Rewards when you use your NatWest debit card. To view your personalised offers, exchange any Rewards and to check your Rewards balance, you will need to register on the MyRewards site.

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How do I exchange Rewards?

As soon as your available Rewards balance is the equivalent of £5 or more, you can login to MyRewards to exchange them. To login you will need to register, using your debit card. You can then choose from the following.

Bank it

Convert your Rewards into money. You can then transfer the money into your NatWest bank account or use towards reducing your Reward credit card balance. The funds will be cleared in your chosen account within 5 working days.

Trade up

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



Convert your Rewards into money, which can be donated to one of our chosen charities.

Rates & charges

Find out more about current account fees and charges, returned items, interest and charges related to overdrafts.

More about rates and charges
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