A simple current account for your
Your new account gives you easy, straightforward banking.
Withdraw up to £300 a day from any NatWest, RBS or Ulster branded cash machine in the UK and Gibraltar. So long as you have enough money available in your account.
We have more than 1,500 branches in the UK.
Set up Direct Debits and standing orders to pay bills and transfer money automatically.
2011 Your Money Best Online Banking Provider
Use your mobile phone to stay in touch with your finances.
Wherever you are - home or abroad - you can use telephone banking.
Keep up to date with your personal current and savings accounts, day and night.
If your debit card is lost or stolen, you can still get access to your money by using our 24-hour Emergency Cash service. Limits apply.
The Current Account Switch Service can make life easier, by guaranteeing to switch your account in just 7 working days (excluding Bank and Public holidays).
We offer a choice of ways to bank with us, so there's a convenient service to suit everyone.
Manage your money, whenever and wherever you like with our award-winning Online Banking.
Your Money Direct award for Best Online Banking Provider 2011
Wherever you are - home or abroad - you can use our 24/7 telephone banking any time, day or night.
Call us on 0800 881 177 (Minicom 0800 404 6161)
Bank on the move with our mobile phone banking service.
You can get Mobile Banking for your iPhone, Android, BlackBerry or iPad.
You need to be a Digital Banking customer to use our apps.
Once you've registered, we'll verify your details and you should be able to start using you new app within 24 hours.
You can cancel the service at any time.
New NatWest customers will receive their debit card and PIN in a few days' time.
Your customer number is a unique 10-digit number that identifies you to us. It starts with your date of birth (ddmmyy) followed by a four digit number. You will have received your customer number when you registered for Online Banking.
Your account number is 8 digits long and is available on your statement.
Your sort code is a six digit number on the front of your card. It's written in the format 00-00-00
If you're an existing customer and you've recently changed your account type, your sort code and account number will remain the same.
If you have recently become a customer by opening an account, you may have been provided with your sort code and account number during the registration process. Alternatively, it will be detailed on a letter that will be sent to you at the address you registered with us when opening your account.
We've got over 1,300 branches throughout the UK.
We've got thousands of advisers ready to talk to you about your financial needs.
Winner of the 2011 Your Money Best National Branch Network
You should have been given an account number and sort code when you signed up for your new account. We will send you a letter confirming these details.
You should receive your Visa Debit Card and card PIN separately in the next few days.
Make sure you activate your card once it's arrived.
The instructions are on your card.
If you haven't received your debit card or PIN after five working days please call us on 0345 788 8444 (Minicom number 0345 404 6161)
Your card PIN is a four-digit number that you'll need to start using your debit card.
The Current Account Switch Service can make life easier, by guaranteeing to switch your account in just 7 working days (excluding Bank and Public holidays). We’ll:
- transfer all your regular payments, like Direct Debits, standing orders and bill payments;
- let you choose your own switch date;
- arrange for your old account to be closed;
- redirect any payments into or out of your old account to your NatWest account for 13 months; and
- keep you up to date on how your switch is going, with texts and emails.
Your new account is set up but you'll need to activate your debit card to use it fully. You should receive your debit card soon, along with details of your card PIN. You'll find the activation instructions on the card.
You can pay money into your account in the following ways.
You can use your debit card to check your balance or get a mini-statement at any of our cash machines. If you're registered, you can also check your balance using our online, telephone or Mobile Banking services.
See the fees and charges relating to this account.
You can use any NatWest, RBS or Ulster Bank branded cash machines in the UK and Gibraltar. Cash machines in many supermarkets including Tesco and Morrisons are NatWest or RBS branded so you will be able to use these. Use our ATM finder to locate a machine.
You can also get cash over the counter at any Post Office in the UK.
A Direct Debit is a regular payment, either fixed or variable, that you allow an organisation to collect from your account (for example, to pay your gas, electricity or phone bills).
To arrange a new Direct Debit, you will need to sign a Direct Debit instruction provided by the organisation that you would like to pay.
The organisation will then send this to us. Please allow two working days before the date you want the payment to be made for your instruction to be processed.
The money is paid from your account automatically on the date you choose. This will be shown on your statement as a Direct Debit payment.
A standing order is an instruction you give us to pay another person or organisation a fixed amount from your account at regular intervals (for example, once a month).
The money is automatically paid from your account on the fixed date you choose. This will be shown on your statement as a standing order payment.
There are three ways you can choose to set up a standing order:
When you set up a new standing order, please allow two working days before the date you want the payment to be made for your instruction to be processed.
To set up a standing order you'll need to have the sort code and account number of the account you want to make the regular payments into. If you're setting up your standing order through telephone or Online Banking, you'll need to use your security passwords.
We have a 24-hour Card Loss Centre that you should contact if your card is lost or stolen or if you suspect that someone knows your PIN. The numbers are:
from the UK 0870 600 0459 (Minicom 0800 404 6161*)
from abroad +44 1423 700 545
If your circumstances change, contact us and we can help you choose the account that best suits your needs.
The essential guide to your new account
If you would like to request a paper version of these documents or have any queries, please call us on
0844 620 2408.
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These documents give you important information about your account. 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.
From 31 October 2014 we are making some changes to your terms. The attached leaflet Changes to your Current Account contains details of the terms that will apply from that date. Please print or save copies for your records