Get started - Reward Black account | NatWest Premier



Get started with your Black account

Set up your MyRewards account

Move your Direct Debits to make the most of your 2% back in Rewards

Manage your Rewards on the go with our mobile banking app

Set up your MyRewards account
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“Black account” refers to Black and Reward Black accounts

Let us help you get started

We want to help you get the most out of your account. If you haven't already here's a quick list of things you can do straight away:

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Activate your card  

Get the most from your card.

Already a NatWest customer?
If you're already a NatWest customer and have recently changed your account, there's no need to activate. You get to keep your existing card and PIN. 


If your existing card is not contactless you can request a new card, giving you a quick and simple way to make purchases up to £30.


New to NatWest?
If you're new to NatWest, we'll post your contactless Visa debit card and PIN separately within a few days of opening your account. Once your card arrives we'll explain how to activate it.


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Get started with your online MyRewards account 

Start earning Rewards on selected household bills and your everyday spending.

You'll start earning Rewards the next business day after opening your Reward account and you can view your balance in online or mobile banking. However there's two important reasons why you should get set-up:


1. To see your personalised offers, where you can earn 1% or more at MyReward partner retailers.

2. To exchange your Rewards for money, trading up with our Reward partner retailers or donating your Rewards.


You'll need your bank card before you can get started.

Set up your MyRewards account

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Make the most of your 2% back in Rewards

Move your Direct Debits over to your new account.

Earn 2% Rewards on your selected household bills paid by Direct Debit from this account. Household bills include council tax, gas, electric, water, phones, TV and broadband (excludes payments for additional services such as maintenance, repairs or insurance). 

How to move Direct Debits

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Get started online  

Online banking lets your manage your account, any time any day.

Setting up online banking takes a few minutes. You'll need your email address, sort code, account number and debit card to hand.


This service is available to customers aged 11 and over who have a NatWest account and an email address.

Get started online

View our online banking guide

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Get the mobile app

Don't let your banking keep you indoors.

Once you've set-up online banking, you can get the mobile app. This is the easiest way to keep an eye on your spending.


The mobile app is available on selected smartphones, to NatWest customers with online banking and a UK mobile number beginning 07.

Get the mobile app

Learn how to setup mobile banking

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Don't forget your benefits  

Make the most of your benefits.

Your account gives you a range of benefits with your travel, protection and leisure needs in mind. Remind yourself of everything you get.

View Black account benefits

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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 Policy Summaries (includes Keyfacts about our insurance services)


Black Account Travel Insurance Policy

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