Before you apply for this account please ensure you have read the product information and fully understand the rates and charges associated with this account.
What you get with this account
- Cash withdrawals - withdraw up to £300 a day from any NatWest, RBS or Ulster Bank cash machine in the UK (Remember, cash machines in many supermarkets including Tesco and Morrisons are NatWest & RBS branded), or at any UK Post Office counter.
- Visa debit card – make purchases worldwide with added online security protection.
- Withdraw money overseas – use your Visa debit card at any overseas cash machine that shows the Visa logo – subject to fees and charges.
- Standing orders and Direct Debits – make it easier for you to pay your bills.
- Monthly statements – check them online or receive a paper copy.
If you would like a bank account with unrestricted UK cash withdrawals, the Select Account may be more suitable.
We make it easy to bank with NatWest
Managing your money is easy
Online, on the phone, on your mobile and at over 1500 UK branches. More on ways to bank.
Switching to NatWest is easy
When you switch to NatWest, our dedicated team will support you all the way. More on switching to NatWest.
Our commitment to you
Our Customer Charter aims to help us become Britain's most Helpful Bank. More on our commitment to you.
Our online banking satisfaction survey (February 2011) found that 96.1% of NatWest Personal Banking customers who responded would recommend our service to a friend.
We’re the 2011 Your Money best Online banking Provider and the 2011/2012 Personal Finance Best Online Banking Provider
Our online banking service helps you:
- Stay in control - online banking makes looking after your money even easier.
- Bank when it suits you - day and night, you can do your banking whenever it suits you. System updates will mean that online banking is unavailable for short periods in the early hours of the morning.
- Transfer money - make instant transfers to any NatWest account - and transfer money to any other UK bank account.
- Pay bills - it's quick and safe to send money online. You can even set up standing orders for regular payments and manage your Direct Debits. You need to keep enough money in your account to cover any standing orders or Direct Debits or there may be charges.
- Manage your account - check balances and statements, searching through up to seven years of transactions. It's easy to find what you're looking for.
- Stay safe - with free security software, card readers and secure servers, we're working hard to beat the fraudsters
- Keeping you safe online
We’re committed to keeping you safe and secure when you bank online with NatWest. To help protect you online, we provide free security software called Rapport, from the financial security experts at Trusteer. Our online banking security promise means you can bank online with confidence.
- Already bank online?
You should automatically see your Basic Account once it has been fully opened.
- Already have a Basic Account?
If you've already got a Basic Account, but don't use online banking, signing up is simple and you could get instant access.
Wherever you are - home or abroad - you can use telephone banking any time, day or night. You only pay for the cost of the call.
A member of the Top 50 Call Centres for Customer Service 2011
The Royal Bank of Scotland Group was assessed by the 'Top 50 Call Centres for Customer Service' (both NatWest and RBS call centres were tested as part of this assessment)
- 24 hour service - use it whenever you need
- Use our automated service – or talk directly to a customer service officer.
- Get real-time balances – and up-to-the-minute statements.
- Make instant transfers – pay bills, make payments and manage standing orders.
You can pay in cash and cheques and make withdrawals at any NatWest branch.
Winner of the 2011 Your Money Best National Branch Network
Winner of the 2011 UK IT Award for Mobile IT Innovation of the Year
Our free mobile phone banking service keeps you up to date with your finances when you're out and about.
- Balance updates – we’ll send your account balance to your mobile phone once a week.
- Limit alerts – we’ll let you know when your account hits upper or lower limits set by you.
- Quick statements – we'll send you a free text with an up-to-the-minute account balance and mini statement (available on most modern phones).
Network charges may apply.
- Free app for your iPhone
Download the free NatWest mobile phone banking application and bank with your iPhone.
We’re here to help. All our staff are committed to doing just that. And we want to make sure you’re satisfied at all times with the help and guidance we give you.
1) Your satisfaction with the quality of our service will be an essential part of how we reward our staff.
2) Our branch staff will be accredited by the Chartered Bankers’ Institute to ensure they have the right knowledge to help you.
3) If we make a mistake we will apologise and fix it, quickly and fairly.
Tell us what you think. Go to Ideas Bank.
Life's full of surprises and they’re not always pleasant ones. We're here to help you as quickly as possible when things go wrong
4) We will refund money lost from your account if we find you have been a victim of banking fraud.
5) We will provide you with a free emergency cash service if your debit card is lost or stolen, and send you a new card the next day.
6) We will be proactive in doing what we can to help customers who may be facing financial difficulty.
Tell us what you think. Go to Ideas Bank.
Whether you want to talk to us in person, on the phone, or choose to do your banking online we aim to make sure your banking experience is as efficient and helpful as possible.
7) We will serve 90% of customers in five minutes or less in our branches.
8) We will answer at least 90% of customer calls in less than a minute, from our UK-based telephone centres, 24 hours a day, seven days a week.
9) We will continue to offer new and innovative mobile banking services that make banking faster and more convenient, wherever you are.
Tell us what you think. Go to Ideas Bank.
Communities are important, when they thrive we all benefit. That’s why we remain committed to supporting communities across the country.
10) We pledge to maintain banking services wherever we are the last bank in town, that is where the nearest alternative bank is more than 1 mile away.
11) We will provide every secondary school pupil with access to MoneySense, our financial education programme.
12) We will continue to offer all our staff a day of paid leave to help projects in their local community.
Tell us what you think. Go to Ideas Bank.
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.
Switch to NatWest – it’s easy and free of charge
Our dedicated switching team takes the hassle out of switching. They’ll make most of the arrangements for you and are on hand to answer your questions.
Our switching guarantee
We’ll do everything we can to make the process go as smoothly as possible. In the unlikely event that you incur charges from your old bank because of an error or unnecessary delay on our part, we promise to refund these charges in full.
This is a summary of the rates and charges that apply to NatWest current accounts.
For full information, download:
You will need Adobe Reader to view these documents. Get Adobe Reader.
Act Now Alerts
Our Act Now Alerts can help you stay in control and minimise or even avoid fees for returned items. Find out more about Act Now Alerts.
If we are going to charge you 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.
Returned Item Fee
A Returned Item Fee will be charged if:
- The payment cannot be met from the funds in your account.
- 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).
For examples showing how our charges work, please see the section headed Unarranged Overdrafts and Returned Items in our leaflet NatWest Personal & Private Current Account Terms; Personal & Private Current Account Fees & Interest Rates; Helping you get the most from your Personal & Private NatWest Current Account (PDF).
| 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 |
| Emergency Cash Service | You can access up to £300 from your account if you are an online or telephone banking customer and if you aren’t, we’ll still give you up to £60 to tide you over – these amounts are providing you have the money available in your account. As a minimum you must have £25 available in your account to use this service. |
| Safe Custody | |
|---|---|
| Annual Holding Charges (payable annually in arrears) | |
| Sealed envelopes Small boxes/parcels Large boxes/parcels | £25 £45 £65 |
| 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.
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.
Mobile phone top-ups
Mobile phone top-up facility available at all NatWest cash machines and those displaying the top-up logo, including those operated by Royal Bank of Scotland and Tesco Personal Finance. Top-up amounts are subject to your debit card daily withdrawal limit and the availability of sufficient funds. Network operator top-up limits may also apply.
Apply for Select Silver Account for just £8 a month and get access to:
- 5 Star Defaqto rated European Travel Insurance – Members and their partners aged 70 years and over must pay an additional annual premium of £50.
- Mobile phone insurance – including iPhone.
- Five music downloads every month from hmvdigital.
- Three DVD rentals every month from LOVEFiLM.
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