For the third year running, the independent financial research company Defaqto gave Advantage Gold their 5 Star rating for product features, benefits and charges (February 2011).
- All the essentials for day-to-day banking
You get a Visa debit card, standing order and Direct Debit facilities, 24-hour UK-based call centres, online and mobile banking, emergency cash, fraud alerts, overdraft facilitity - the list goes on.
- Overdraft (subject to eligibility)
Extra breathing space for your finances. Over 18s only.
- Mobile and text banking
Sign up for text alerts and use our free app for iPhone, iPad, BlackBerry and Android to check your balance, transfer funds and find cash machines when you’re out and about. Standard network charges may apply.
- Online banking
Relax and do more with your money from work or home with our award-winning online banking service. Paperless statements, online support 24/7, and our online security promise means your money’s in safe hands.
- Fraud and activity alerts
If there’s any unusual or suspicious activity on your account, we’ll always call, email or text you to check it out. It’s all part of the service.
- Emergency cash
Don’t miss out if you lose your card. As long as you’ve at least £25 available in your account, we’ll give you an emergency code to withdraw up to £300 of your money if you’re an online or telephone banking customer and up to £60 if you’re not, until your new card arrives.
- Mobile phone insurance – save up to £119
Covers loss, theft and accidental/malicious damage of handsets up to a maximum retail value of £1000 (including VAT). You're also covered for unauthorised calls up to £1500 (including VAT) per claim for monthly contract phones and £100 (including VAT) per claim for pay-as-you-go.
Own an iPhone or PDA? It's protected too. You can even protect up to two mobile phones if you have a joint account. Cover commences 14 days after registration.
- Car breakdown cover – save up to £69
Relax in the knowledge that Green Flag are there to help if your car breaks down. Can't start your car in the morning or broken down near home? Homecall comes as standard.
- An additional 10% off your first year's car insurance premium – save up to £54
NatWest car insurance is already good value. This extra money discount on your first year's premium helps you save even more.
- Travel insurance: annual family worldwide cover – save up to £160
Receive UK and worldwide multi-trip travel insurance for you, your spouse or partner and any children aged under 18 years of age if they are unmarried (or aged 23 or under if in full-time education), permanently residing with the account holder.
Receive five star defaqto cover including winter sports. Benefits include up to £10m cover for medical and emergency expenses, plus up to £500 cover for personal money.
Children are only covered when travelling with an adult insured under this Policy. Members and their partners aged 70 years and over must pay an additional annual premium of £50.
- Travel service: save up to 10% – save up to £175
Thomas Cook Travel Service gives you discounts on big name package tours, car hire, flight transfers and more. There are no credit card or booking fees, helping you to save even more.
- Preferential rates on travel money – save up to £23
Special rates on your foreign banknotes and travellers cheques delivered to your home (or local branch) free of charge.
- Hotel discounts – save up to £55
Enjoy exclusive discounts of up to 60% at over 21,000 hotels in 3,500 locations around the world - from 5 Star luxury accommodation to budget hotels.
- 20% discount on family days out – save up to £18
Money off the entrance fees at over 200 UK attractions, from London Zoo to Edinburgh Dungeon.
- Identity theft protection – save up to £64
Up to £5000 of cover against expenses incurred in defending and restoring your credit status after fraudulent activity, designed to cover the expenses involved in putting things right if you've been the victim of identity fraud.
- Accidental Death Insurance – save up to £18
Our Accidental Death cover provides you with the reassurance of knowing that if you were to die in an accident, your next of kin could be entitled to receive £15,000. For persons aged 70 or over, Accidental Death Insurance is reduced by 50%. Where the account is in joint names, any payment will be reduced proportionately.
- Extended warranty – save up to £69
Add 12 months' cover on top of the manufacturers’ one or two year guarantee on up to six home electrical items. From TVs to fridges, just pay with your debit or credit card and register within 90 days. We can even extend the warranty with further years at a tailored rate.
- Full banking facilities
- Overdraft (subject to eligibility)- extra breathing space for your finances
- Visa debit card– worldwide acceptance with added online security protection
- Standing order and direct debits– helping you pay bills easily
- Cheque book– for added flexibility
- Personal loans overdrafts and mortgages
Get access to tailored rates on loans and preferential rates on overdrafts. Look out for our mortgage offer for Advantage Gold customers.
Your home may be repossessed if you do not keep up repayments on your mortgage.
- Savings at tailored rates
The Advantage Reserve Savings Account is our high rate, instant access option, offering preferential rates for Advantage Gold customers. The more you save, the more you'll earn.
- Credit Cards
Advantage Gold customers will get an initial 1% discount on their APR for at least 12 months. Rates variable. Representative 16.9% APR (variable).
Potential Savings
| Account Benefit | Save up to |
|---|---|
| 5 Star Defaqto Rated Travel Insurance | £160 |
| Mobile Phone Insurance | £119 |
| Identity Theft Protection | £64 |
| £15,000 Accidental Death Insurance | £18 |
| 10% off Car Insurance | £54 |
| Additional 10% off 4 Star Defaqto rated Home Insurance | £45 |
| Extended Warranty | £69 |
| Preferential rates and complimentary delivery on commission free travel money | £23 |
| Advantage Gold Travel Service with Thomas Cook | £175 |
| Gold Hotels | £55 |
| 20% off attractions with Privilege Card | £18 |
| Car Breakdown Cover | £69 |
| Total Value | £869 |
| Annual fees (A monthly fee of just £12.95) | £156 |
| Save up to | £713 |
Credit Cards
Existing Credit Card customers are not eligible for this offer.
Home, Car & Travel Insurance
Underwritten by UK Insurance Limited. Conditions apply.
Extended Warranty Insurance
Underwritten by Domestic & General Insurance PLC.
Accidental Death Insurance
Underwritten by ACE European Group Limited. Registered in England Number 1112892, Head Office 100 Leadenhall Street, London EC3A 3BP. Authorised and regulated by the Financial services Authority (FSA), registration number FRN202803.
Mobile Phone Insurance
Saving based on Phones 4u premier plan at £9.99 per month (April 10). This cover has been arranged for NatWest by Homecare Insurance Limited. (registered in England number 2793290). Homecare Insurance Limited is regulated by the Financial Services Authority (FSA). Firm Reference Number 202880.
Identity Theft Protection
Example based on Sentinel Identity Theft Protection, provided by AIG UK Limited. AIG UK Limited is authorised and regulated by the Financial Services Authority. AIG UK Limited is a member company of American International Group Inc. (AIG). The product is administered on behalf of National Westminster Bank Plc by Affinion International Limited. Affinion International Limited is authorised and regulated by the Financial Services Authority in respect of insurance mediation activities only. Affinion International Limited' FSA registered number is 311584 AIG UK Limited.
Telephone and online banking
System updates may mean that the services are unavailable for short periods in the early hours of the morning.
Savings Examples
Travel Insurance
Saving based on annual multi trip worldwide family NatWest Travel Insurance.
Mobile Phone Insurance
Saving based on Phones 4u premier plan at £9.99 per month (April 10).
Identity Theft Protection
Saving based on Sentinel Identity Theft Protection worth £64.
Travel Service with Thomas Cook
Based on a family holiday to Tenerife for 2 adults and 2 children. Departing from London Gatwick on 31 August and staying 7 nights at the Parque de la Paz Aparthotel on a Self Catering basis. Price before discount, including in-flight meals and extra luggage allowance is £1,754. 10% discount is £175.40. Price after discount is: £1,578.60
Additional 10% off Home Insurance
Saving based on a 49 year old with buildings and contents insurance for a 3 bedroom semi-detached house built 1946 - 1979 in BN21 3JA.
Car Insurance
Saving based on 10% off first year's premium for comprehensive cover on a Toyota RAV 4 (VVT-iGX) for a 30 year old male driver with a licence for over 3 years, 5 years’ No Claims Discount, £250 voluntary excess and mileage of 8,000 living in BN12 3JA.
Extended Warranty
Saving based on a LCD Television costing £450 and 12 months cover in addition to the manufacturers 12 or 24 month warranty (April 2010).
Travel Money
Saving based on preferential exchange rates, 0% commission and complimentary home delivery for: 2 short breaks with £300 currency (worth £10+5); and one holiday with £800 of currency and £300 of commission free travellers’ cheques (worth £8).
Accidental Death Insurance
Saving based on Accidental Death Insurance up to £15,000. Save £18 based on Aviva’s £1.99 per month, providing £20,000 worth of cover.
Attractions/Days Out Privilege Card
Saving based on 2 Adults receiving a 20% discount when visiting 2 attractions a year where the standard ticket price is £22.50 (e.g. London Dungeon).
Car Breakdown Cover
Saving based on Level 2 Green Flag cover for a 34 year old male, living in Leeds, driving a 2002 Renault with Level 2 Cover.
Gold Hotels
Savings based on a twin/double room for 3 nights at the 4 Star hotel, Hotel Concorde Montparnasse, Paris staying between the 06 July 2010 to 09 July 2010 at £309. The same hotel with expedia.co.uk at £364. (Apr 2010).
The examples shown are for illustration purposes only and are not based on actual NatWest customers.
This page provides a summary of the rates and charges that apply to NatWest current accounts.
For customers with current accounts opened before 4th July 2011 who have not been notified of a change to their current account and the applicable Terms, and for customers with savings accounts:
For customers with current accounts opened on or after 4th July 2011 plus customers with current accounts opened before 4th July 2011 who have been notified of a change to their current account and the applicable Terms:
We also have a separate page providing an update on unarranged overdraft charges.
Common definitions
Throughout this page, you'll see various terms being used. Here's what they mean:
- Annual Equivalent Rate (AER)- this is a notional rate used for interest bearing accounts which illustrates what the gross credit interest rate (excluding any bonus interest payable) would be if paid and compounded on an annual basis. It helps you to compare the effective rates of credit interest on different accounts.
- Effective Annual Rate of Interest (EAR)- this is the real annual cost of an overdraft, stated as an annual rate, which takes into account how often interest is charged to the account. All other charges, such as arrangement fees, must be shown separately from the EAR.
- Gross Rate- this means the interest rate you are paid before the deduction of income tax.
- Net Rate- this means the interest rate you are paid after the deduction of income tax.
- Nominal Rate- the rate charged excluding compounding of interest and other charges associated with a borrowing, e.g. arrangement and security fees.
- p.a.- per annum (per year).
Account fees
Monthly account fees are payable on the following accounts. Account holding includes access to all the benefits listed in the appropriate brochures and user guides.
| Type of current account | Account fee |
|---|---|
| Advantage Gold | £12.95 per month. Payable from your Advantage Gold account. |
Application of account fees
The account fee for each monthly charging period will be debited from your account 21 days after the end of that charging period (or on the next business day if this is a Saturday, Sunday or Bank Holiday). The fee will appear on your statement as ‘CHG’. The charging period normally ends on the date that we issue your statement to you.
Interest due on arranged overdrafts
1. Arranged overdrafts
If you have arranged an overdraft facility with us in advance and you use this facility within the thresholds shown below, you will not pay any interest.
If the amount you overdraw under an arranged overdraft facility exceeds these thresholds, you will pay interest at the rates shown in the tables below on the overdrawn balance – even the part of the balance which is within any interest free threshold that applies to your account. However, we will not charge interest on any part of the overdrawn balance which is an unarranged overdraft or represents fees, charges or costs of the kind described in section 7 of our leaflet: Personal and Private Banking - A Guide to Fees and Interest (PDF, 685KB) under the heading Sums which do not bear interest.
If you have arranged an overdraft facility with us in advance under which you pay interest at a rate other than the rates shown in the tables below, the interest free thresholds shown below will not apply to your account.
Interest free thresholds
| Type of current account | Interest free threshold |
|---|---|
| Advantage Gold | £100 |
Current rates
The following rates are effective from 02 August 2010
| Type of current account | Nominal monthly rate% | Nominal annual rate % | EAR % |
|---|---|---|---|
| Advantage Gold Credit Zone Overdrafts | |||
| All amounts | 1.49 | 17.94 | 19.49 |
We'll arrange a Credit Zone Overdraft, depending on your circumstances. Your overdraft may be subject to an arrangement fee.
Our unarranged borrowing fees will apply if you borrow over your arranged limit. Please see the 'Charges' section below for details.
Previous rates
The following previous rates were effective from 28 April 2008
| Type of current account | Previous nominal monthly rate% | Previous nominal annual rate % | Previous EAR % |
|---|---|---|---|
| Advantage Gold Credit Zone Overdrafts | |||
| All amounts | 1.42 | 17.09 | 18.49 |
2. Unarranged overdrafts
With effect from 01 February 2011, we do not charge debit interest on unarranged overdrafts
Previous Rates
The following previous rates were effective from 02 August 2010
| Type of current account | Previous Nominal monthly rate % | Previous Nominal annual rate % | Previous EAR % |
|---|---|---|---|
| Advantage Gold | 1.49 | 17.94 | 19.49 |
Calculation and application of interest
Interest on arranged overdrafts is calculated on a daily basis and charged monthly.
The interest we charge in each charging period will be debited from your account 21 days after the end of that charging period (or on the next business day if this is a Saturday, Sunday or Bank Holiday). The charging period normally ends on the date that we issue your statement to you. If we are going to debit interest from your account, we will give you not less than 14 days’ notice of how much we are going to debit and when.
Sums which do not bear interest
We do not charge interest on unarranged overdrafts. Nor do we charge interest on any part of an arranged overdraft which represents:
- a Default Notice Fee or other sum (apart from interest) you must pay us in connection with a breach of your obligations under your agreement with us; or
- a Returned Item Fee or Unarranged Overdraft Fee (see section 7 of our leaflet Personal and Private Banking - A Guide to Fees and Interest (PDF, 486KB) for details of these charges).
Arranged Overdrafts, Unarranged Overdrafts, Returned Items and Enforcement Charges
The charges shown in this section do not normally apply to the other accounts we offer to Personal and Private Banking customers. However, we sometimes allow other accounts to be operated in a way which enables the customer to give instructions for a withdrawal or other payment which cannot be met from the funds in the account. If this happens, the charges listed below in the sub-section "Unarranged overdrafts and returned items – charges" will apply.
Arranged overdrafts – arrangement and renewal fees
| Fee payable | |
|---|---|
| Current Account, Current Plus, Private Bank Account and Advantage Gold | |
| Credit Zone Overdrafts up to and including £7,500, where interest is charged at the standard Credit Zone Overdraft rate | No fee |
| Credit Zone Overdrafts over £7,500 or Credit Zone Overdrafts where an interest rate other than the standard Credit Zone Overdraft rate is payable | 2% of the new limit (minimum £30) |
| Temporary or increased facilities for all customers | |
| If you wish to increase an existing facility at any time contact your Private Banking Manager or your branch. Any fees payable will be advised to you at that time. | |
Unarranged overdrafts and returned items – charges
Act Now Alerts
Our Act Now Alerts can help you stay in control and minimise or even avoid fees for unarranged overdrafts and returned items. They specify the time by which you should credit your account with cleared funds to cover all payments and/or to bring your account back into credit or within any arranged overdraft limit. Find out more about Act Now Alerts.
If we are going to charge you an Unarranged Overdraft Fee and/or a Returned Item Fee, we will give you not less than 14 days' notice of how much we are going to charge you and when.
Unarranged Overdraft Fee
An Unarranged Overdraft Fee will be charged for each day on which there is an unarranged overdraft of greater than £6 on your account at close of business on that day. Please note: we will only charge an Unarranged Overdraft Fee for a non-business day (i.e. a Saturday, Sunday or Bank Holiday) if there is an unarranged overdraft of greater than £6 owing on your account at close of business on the first following business day.
When charged
21 days after the end of the charging period (or the next business day if this is a Saturday, Sunday or Bank Holiday). The charging period normally ends on the date that we issue your statement to you.
Fee Amount
£6 for each day for which an Unarranged Overdraft Fee is payable.
Returned Item Fee
A Returned Item Fee will be charged if:
- you informally request an unarranged overdraft by issuing instructions for a withdrawal or other payment; and
- the payment cannot be met from the funds in your account or any unused arranged overdraft facility; and
- we decide in our discretion not to make the payment.
When charged
21 days after the end of the charging period in which we decide not to make the payment (or the next business day if this is a Saturday, Sunday or Bank Holiday). The charging period normally ends on the date that we issue your statement to you.
Fee amount
£6 for each returned item (subject to a maximum of £60 in any charging period).
Making an informal request for an unarranged overdraft means you will normally have to pay a Returned Item Fee and/or an Unarranged Overdraft Fee. Please note that it is possible to incur both a Returned Item Fee and an Unarranged Overdraft Fee on your account on the same day or as a result of a single transaction (for example, where we take a Returned Item Fee from your account and this creates an unarranged overdraft of greater than £6 on your account).
For examples showing how our charges work, please see the section headed Unarranged Overdrafts and Returned Items in our leaflet Our Commitment to You (PDF, 685KB).
Enforcement Charges
| Enforcement | ||
|---|---|---|
| A Default Notice Fee will be payable if we need to serve a default notice on you (for example, if you fail to repay your overdraft on demand or we wish to enforce any security we hold). This is in addition to any other charges that may apply. | Within four days of the Default Notice being served. | £30 per notice |
Additional services
| Stopping payment instructions | |
|---|---|
| Stopping a cheque (unless it has been lost or stolen) | £10 |
| Payments | |
|---|---|
| Obtaining a banker's draft | £12 |
| Obtain a special cheque clearance | £15 |
| CHAPS payments | £23 - between banks £21 - between our branches |
| Obtaining copies of statements | £5 per request |
| Arrangement fee for Advantage Private FlexiLoans | Any fees payable will be advised to you at the time |
| FlexiLoan arrangement fee | 2% of amount borrowed (minimum fee £100 |
| Emergency Cash Service | Any fees payable will be advised at the time |
| Safe Custody | |
|---|---|
| Annual Holding Charges (payable annually in arrears) | |
|
|
| Initial and subsequent re-deposit(s) | £10 |
Annual Holding Charges are applied in arrears so any withdrawal made prior to the anniversary of the deposit will incur a pro-rated amount of the annual charge. In addition, a £10 fee will be charged for initial deposits and any re-deposits following item inspection or temporary release. The charges set out above are inclusive of VAT.
Please note that we only accept new items into Safe Custody for our Private Banking customers. Items already held by us in safe custody will continue to be held.
If the service you are looking for is not shown in the table above, please ask at any branch or call the number on your statement summary sheet.
We’re committed to becoming Britain’s most Helpful Bank
Over the past six months we have been tracking our performance against our customer charter commitments. We will continue to set new and challenging goals and we promise to continue to share our progress along the way.
1. We will extend our opening hours in our busiest branches
Since launching the charter we have opened 846 of our busiest branches every Saturday and extended the opening hours of 206 of our busiest branches.
2. We will aim to serve the majority of customers within 5 minutes in our branches
Since 2009 we have rolled out 488 cash and deposit machines in 276 branches, and introduced a new queue management programme in 1,782 branches.
3. We will provide you with friendly, helpful service whenever you deal with us
8 out of 10 customers rated us helpful during 2010 and we are working to increase this to 9 out of 10.
4. We will help you to make the right choices for you and your money, providing a clear product range with simply explained features and charges
We have rolled out our new Customer Review Programmes across our branch network and 6,300 staff have been trained to use them. From February 2011 we also have revised literature available in our banking halls.
5. We will provide a 24/7 telephone banking service
We answered 91.4% of your calls in less than a minute and all of our telephone banking centres are open 24/7.
6. We will work with you to keep you safe when you bank online and on your mobile with us
We published our online banking security promise in July and since 2009 our free, market leading software has been downloaded more than 4.5 million times.
7. We will help you quickly if your debit card is lost or stolen and you need access to cash
We sent all replacement debit cards within 24 hours and our emergency cash service is now free of charge.
8. We will continue to be a responsible lender and are committed to finding new ways to help
We have not increased credit card limits for any customer struggling to meet their payments.
9. We pledge to stay open for business if we are the last bank in town and will consider a range of options to ensure a local banking service is available
We continued to provide banking services in 146 locations where we are the last bank in town.
10. We will provide young people with financial education through our independently accredited MoneySense programme
We continued to support Primary and Secondary school children by providing 30,653 lessons designed to develop good money management skills.
11. We will actively support the local community in which we live and work
In December we donated £1.6 million to 977 of 1,071 winning charities and projects with the remaining receiving a share of £152,000 in early 2011.
12. We will resolve customer complaints fairly, consistently, and promptly
We have already started to make significant improvements to address issues, including simplifying our complaint handling process and retraining over 10,000 staff.
13. Twice a year we will publish the most common of complaints
We published the 5 most common complaints on our website and are working on addressing these.
14. We will actively seek your thoughts and suggestions on how we can become more helpful
We have launched a customer listening programme which has provided excellent insight about improvements to our products and processes, several of which are underway.
And you'll be the judge
We will continue to publish a report every six months to let you see how well we have fulfilled our commitments and identify additional areas which need improvement. It will also include a full range of customer comments.
Important information
Full copies of the fees and interest rates, and terms and conditions that apply to our personal accounts can be downloaded from our terms and conditions page.
The fee for Advantage Gold is £12.95 a month. Advantage Gold is a packaged service of which the core element is a current account without which the remainder of Advantage Gold benefits are unavailable. Over 18s only. Calls may be recorded. Information correct as at March 2008.
The examples are for illustration purposes only and are not based on actual NatWest customers.
The savings shown are representative of those that can be achieved by holding a NatWest Advantage Gold account in comparison to a NatWest Current Plus account.
Full details of all benefits and how to access them will be available in your Advantage Gold handbook.
For further details on our insurance products, please refer to your insurance policy summaries:
Important Information - Advantage Guarantee
If you open your Advantage Account on or after 7 May 2009, you will be eligible to benefit from our Advantage Guarantee.
If you use any of the Advantage Account benefits within 60 days of your account being opened and are not satisfied within that 60 day period, we will refund all account fees you have paid for your Advantage Account in the first 60 days of account opening.
We reserve the right to change or withdraw the Advantage Guarantee at any time without giving you prior notice.
To claim a refund please call our freephone helpline 0800 408 0337 (minicom 0870 600 0856).
Lines are open 8am to 8pm Monday to Friday and 9am to 5pm Saturdays. Max call charge from a BT landline is 8p plus up to 6p per minute. Calls from other networks may vary. Calls may be recorded.
Mortgages
Provided by National Westminster Home Loans Ltd. Special rates are not available on Buy-to-let Mortgages or for extra borrowing.
Personal Loans
Rates are dependent on your circumstances and loan amount. Different discounts may apply during special promotions.
Travel Insurance
All customers over 70 must contact the Advantage Gold Travel Insurance screening service. On this line, we will ask for additional information in relation to pre-existing medical conditions. An annual premium of £50 will be charged per account. More details are available in your insurance policy summaries.
Advantage Gold Travel Service is operated by Thomas Cook
10% guaranteed discount across all Thomas Cook Tour Operations product (Thomas Cook, Sunset, Thomas Cook Signature, Style, Club 18-30, Neilson, Flexible Trips, Airtours, Cresta, Bridge, Panorama and Manos) and Virgin Holidays.
A 7% discount applies to all holidays with all other tour operators (excluding Thomson and First Choice where a 5% discount applies).
Discount must be applied at the time of booking. Thomas Cook booking conditions apply.
All discounts apply in addition to any discount given to Thomas Cook by the tour operator, but not to any price you may obtain directly from a tour operator.
Discount does not apply to Thomas Cook Tours Palmair Holidays, SAGA Cruises, travel insurance, ski packs, fuel supplements or airport passenger duty.
These discounts only apply to holidays booked via the Advantage Gold Travel Service with Thomas Cook and not via any other part of Thomas Cook (e.g. Thomas Cook shops or www.thomascook.com).
All credit card charges will be waived.
Holidays and other offers are subject to availability and tour operator booking conditions. Offers can be withdrawn or amended without notice. The latest version of these are available at any time on request from the Advantage Gold Travel Service with Thomas Cook. NatWest reserves the right to vary or amend these conditions at any time. Thomas Cook customers and Booking Terms and Conditions and all relevant suppliers, including but not limited to airlines, tour operators, hotels, car rental companies, ferry operators, other providers of accommodation, leisure attractions and other third party' offering, organising or carrying out any travel arrangements or other offers (‘Suppliers') will also apply to the booking. All offers are subject to availability and in certain circumstances additional conditions may apply, where possible these will appear in the offer details. You are advised to enquire about any conditions that might apply prior to or at the time of booking. Some offers are subject to minimum and maximum stay restrictions. Travel arrangements and other offers in connection with this programme are only available to NatWest Advantage Gold customers. Except as may be expressly set out in booking conditions, all tickets and other arrangements and bookings are non-refundable and non-transferable. If you change or cancel your reservations or travel arrangements at any time after we have accepted your booking, then your tour operator, other supplier, or failing that, the booking agent will impose alteration or cancellation charges.
The Advantage Gold Travel Service is operated by Thomas Cook Retail Ltd, ABTA 29653, acting as agent to ATOL protected tour operators.
Please also read our website terms and conditions which cover your use of this website.
Apply now
Call to speak to an advisor
0800 148 8323
Minicom
0800 917 0526
Lines are open: Mon to Fri 8am-8pm, Sat 9am-6pm
(excl. public holidays).
Calls may be recorded