Compare our range
Great NatWest service, whichever account you choose
Manage your account your way – including award-winning online banking (we’re the 2011 Your Money Best Online Banking Provider) and mobile banking. All our call centres are UK-based, and we’ve got over 1,500 branches.
Expand / Collapse additional benefits![]() | Select Account No monthly account fee | Select Silver
Account £8 per month | Advantage Gold £12.95 per month |
|---|---|---|---|
| Great if you... | ...want all the essentials to make everyday banking easy for you. | ...like films and music, European travel and want straightforward banking. | ...go on family holidays and want protection for your car, mobile and travel. |
| Visa Debit card | |||
| Branch Banking - over 1,500 UK branches | |||
| Award winning Online banking - 2010 Your Money Best Online Banking Provider | |||
| UK Call centres 24/7 | |||
| Mobile Banking and iPhone app | |||
| Text alerts | |||
| Full UK ATM access | |||
| Emergency cash | |||
| Overdraft (subject to eligibility) | |||
| Overdraft interest free threshold | £100 | £100 | £100 |
| Cheque book | (subject to eligibility) | ||
| Direct Debits and standing orders | |||
| Dedicated switching team | |||
| Fraud alerts | |||
| 5 Star Defaqto rated Travel insurance. | Annual multi-trip European cover (Members and joint account holders aged 70 years and over must pay an additional annual premium of £50). | Annual multi-trip Worldwide cover (Members and their partners aged 70 years and over must pay an additional annual premium of £50). | |
| Mobile Phone Insurance | Up to £750 replacement value | Up to £1000 replacement value | |
| Green Flag Car Breakdown Cover - inc. Homecall | |||
| LOVEFiLM DVD Rentals (Online access is required) | |||
| hmvdigital downloads | |||
| Identity Theft Assistance | |||
| Identity Theft Protection | |||
| Preferential Travel Money | |||
| Family days out - 20% off at over 200 UK attractions | |||
| Discounted packaged holidays - up to 10% off | |||
| Extended Warranty | |||
| Accidental death Insurance | |||
| Automatic purchase protection | |||
| Discounted Car Insurance - subject to minimum premium | |||
| Discounted Home Insurance | |||
| Great savings rates | |||
| Tailored rates on personal loans and credit cards and preferential overdraft rates | |||
| Show all 30 benefits | Show all 30 benefits | ||
| Potential savings | Up to £462 | Up to £708 | |
Find out more ![]() | Find out more ![]() | Find out more ![]() |
Black Account
For a premium account with our highest levels of travel, protection and leisure benefits, choose a Black Account. You must earn at least £100,000, or £150,000 joint annual income for a joint account, or have savings of at least £50,000 with us to be eligible. Monthly fee £24.
Our most basic bank account, offering just the essentials of current account banking.
- Bill payment facilities – set-up Direct Debit and standing order payments
- Cash withdrawals – withdraw up to £300 a day from any NatWest, RBS (including those in Tesco) or Ulster Bank cash machine in the UK.
- Withdraw money overseas – use your Visa Debit card at any overseas cash machine that shows the Visa logo – subject to fees and charges
- Manage your money – online, on the phone or at one of our 1,500 branches
If you would like a bank account with full access to UK cash machines, a Select Account may be more suitable.
Student current account
If you’re a first year undergraduate going to university, this account could help you while you study.
Graduate account
Make the move to the world of work, with an interest-free overdraft and tailored rate graduate loans. Over 18s only.
Your Adapt account comes loaded with benefits. Here are just a few of them:
- A debit card – use it in shops, over the phone and online. Plus, design the look of your card with your own photo, artwork or a design from our online library. There is a £5 charge for using your own design.
- Free texts or music downloads – when you top up your mobile at our cash machines
- Top tips – on managing your money and the chance to earn extra cash by sharing your ideas

