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Select Platinum Account
Handy ways to manage your money and benefits that make a difference
Enjoy all of this for just £16 a month:
- Worldwide Travel Insurance - includes winter sports. If you or those covered under the
policy are 70 or over you must pay an annual premium of £50 per account - Mobile Phone Insurance - includes smartphones
- UK Car Breakdown Cover - we'll get you and your vehicle home
or to your preferred location - National Trust Days Out - 2 family day passes to
a selected range of National Trust sites around the UK - tastecard Membership - 2 for 1 or 50% off at
thousands of restaurants UK wide
What you get with this account
Insurance and protection benefits
5* Defaqto rated Worldwide Family Travel Insurance, UK Car Breakdown Cover, Mobile Phone Insurance.
Worldwide Family Travel Insurance – including winter sports.
Barcelona, Banff or Brighton? Wherever you are in the world, you and your immediate family are covered
- If you or those covered under the policy are 70 or over you must pay an annual premium of £50 per account, you will need to ring us on 0845 609 0453. Customers with hearing and speech impairments can contact us by Minicom number 08456 000 512.
- Unlimited trips, up to 31 days per trip - including winter sports.
- Up to £10 million medical expenses cover.
- Up to £500 personal money and £1500 personal possessions cover.
- Children covered under this policy must be under 18 at the start date of the journey (or under 23 and in full-time education), living at the home address (or with the other parent), unmarried or not entered into a civil partnership.
- Dependent Children and any Guests added to the policy must be travelling with the Select Platinum Account Holder or their Partner as they cannot travel independently and be covered by this insurance.
You or any member of your family are not covered for any claim directly relating to an existing medical condition unless you have called 0845 609 0453 for screening and cover has been confirmed. Customers with hearing and speech impairments can contact us by Minicom number 08456 000 512. If any of the statements below apply, you need to call for screening.
Within the last 12 months I/they have been:
- Treated or awaiting, any form of treatment or care by a medical practitioner
- Prescribed any medication, whether taking it or not
- Treated for, or diagnosed with, a heart or cancer related condition
- Given a terminal prognosis - at any time
If none of the above statements apply, you do not need to take any action.
If any of the above statements apply to you or your family, cover cannot be guaranteed at this time for claims relating to your/their condition/s. You will need to call for screening to confirm.
There will be one of three outcomes following Medical Screening:
- Cover may be provided without paying a premium,
- Cover may be provided but a premium may be required for the existing medical condition, or
- We may decide not to cover you for that condition
Before applying, please answer the following questions:
- Are there any persons aged 70 or over travelling on this policy?
- Do you or your family have an existing medical condition?
If you've answered yes to either of the above questions, you will need to call for medical screening.
If medical screening is required, you can call for medical screening prior to completing an online application.
For Travel Insurance Terms, view the Select Platinum Account Worldwide Family Travel Insurance Terms (PDF, 160KB)
Select Platinum Account - Insurance Policy Summaries (PDF, 77KB)
Mobile Phone Insurance
- Covers all mobile phones - including smartphones
- Protect up to two phones if you have a joint account
- Covers any mobile up to the original retail value (excluding additional embellishments). There’s a £50 excess per claim.
- Covers loss, theft, accidental damage and breakdown up to the original retail value (excluding additional embellishments) - including water, liquid and malicious damage and electrical or mechanical fault.
- Unauthorised use - up to £2,500 (including VAT) for monthly contracts and £100 (including VAT) if you're pay-as-you-go.
Select Platinum Account - Insurance Policy Summaries (PDF, 77KB)
Select Platinum Account - Benefit Terms (PDF, 180KB)
UK Car Breakdown Cover
Relax in the knowledge that if your vehicle breaks down, help is just a phone call away.
- Long distance recovery - we'll get you and your vehicle home or to your preferred location
- Full national service - anywhere in the UK, including homecall
- Protection for all vehicles owned by you and kept at your home address
- Anyone driving or travelling in the vehicle owned by you is covered too
Select Platinum Account - Insurance Policy Summaries (PDF, 77KB)
Select Platinum Account - Benefit Terms (PDF, 180KB)
Leisure benefits
Make the most of your free time with National Trust family day passes and dining club membership.
National Trust days out
Discover some of Britain’s treasures with two family day passes each year at a selected range of National Trust sites.
- Choice of over 300 places to visit
- Each pass is valid for two adults and three children aged 5-17 (under 5’s do not count towards the three and incur no additional cost)
- Includes car parking at a National Trust car park at no additional cost
- Plus, get 20% off National Trust shops when you spend £20 or more at selected National Trust shops
- You can also get an annual membership discount, call or go to membership services for details
Terms of use
- If a National Trust special event is taking place entry is still possible but the voucher does not permit access to the event itself if there is a separate charge for that event
- You need to have your pass with you to gain access to the sites
- Vouchers must be used within 6 months of being downloaded & photocopies will not be accepted
tastecard Membership
Tuck in to 2 for 1 meals or 50% off your food bill at thousands of restaurants across the UK. Side dishes and extras are not included.
Terms of use
- Some restaurants may exclude tastecard use on Friday or Saturday evenings, Mother’s Day, Father’s Day, Valentine’s Day, the whole of December and potentially other “event” type days
- Where restaurants offer 50% off they may limit the number of people; where restaurants offer 2 for 1 this does not include side dishes or extras
- Some restaurants require the customer to book prior to arriving at restaurants
Banking benefits
Great everyday banking benefits that all add up to more for your money.
Preferential rates on travel money
Enjoy preferential exchange rates and delivery straight to your door or to your selected branch.
Your travel money order value must be at least £100 to qualify for preferential exchange rates and home delivery at no extra charge.
Banking offers
From time to time we will have Banking Offers for Select Platinum Account customers.
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.
Switching to NatWest is easy
When you switch to NatWest, our dedicated team will support you all the way
Our commitment to you
Our Customer Charter aims to help us become Britain's most Helpful Bank.
Mobile Banking
Bank on demand with our award winning Mobile app. We have apps for Android, Blackberry, iPhone & iPad.
Mini statements
See your last six transactions for all your accounts that you manage using online banking including:
- Current accounts
- Savings accounts
- Credit cards
- Loans
- Mortgages
Transfers
Move money between your accounts. Transfers are processed immediately and your balances are updated.
Payments
Pay your friends, family, credit card, or utility bills – just set up and make your first payment to each new payee in Online Banking beforehand.
You can now pay any NatWest Mobile Banking app user – all you need to know is their mobile number. Select ‘Pay your contacts’ from within your app to use this fantastic service.
Pay Your Contacts
Pay anyone with a valid UK Visa debit, credit or prepaid card using just their UK mobile number and your Mobile Banking app.
How does it work?
Paying other NatWest/RBS mobile app users:
Payee will be notified by SMS and funds will reach the payee’s account instantly. Maximum payment of £250 each day.
Paying anyone with a valid UK Visa debit, credit or prepaid card:
- Payer must inform payee of exact amount
- Payee will receive a text message notifying them of the payment with a link to a Visa payment collection site (amount of payment will not be included)
- Payee will enter the exact amount and their Visa card number
- Payee has 7 days to collect a payment from the day they receive the notification
- We’ll notify you, the payer, by text message when payment has been collected
- Funds will be credited to the payer within 1-2 working days of collection
- Sum of payments to non RBS/NatWest app users cannot exceed £250 per day.This limit is independent of your daily withdrawal and Get Cash limits
- You must have available funds to send from your account (including any overdraft facility)
‘Pay your contacts’ is available for NatWest customers whose accounts are held in England and Wales and available on Android, iPhone, Windows and Blackberry. Mobile Banking App available to NatWest personal account holders with a debit card, Online Banking and UK mobile number. Payments requested must be within the daily withdrawal limit of your debit card
Get Cash
Get Cash enables you to withdraw money without using your bank card. It is a great option for those times, such as popping out during your lunch hour, when you need small amounts of cash but don't have your wallet on you. Get Cash provides you with another method by which you can get access to your money quickly by simply using the mobile app.
How does it work?
With Get Cash you can quickly choose an amount of cash that you would like to withdraw from within the app. We will then provide you with a secure cash code that will be valid for 3 hours and can be used at any NatWest, RBS or Tesco cash machine to withdraw your cash. You can use this cash code yourself or text it to someone else. You can use this service up to twice a day, but can only have one cash code at any one time.
To use this service:
- Get Cash limits will apply for this service, including a maximum withdrawal limit of £250 a day
- The amount requested must be within the daily withdrawal limit for your debit card
- You must have at least £25 available funds to withdraw from your account (including any overdraft facility)
- Get Cash is available on Android, Windows, iPhone and BlackBerry
- Get Cash is available for NatWest customers whose accounts are held in England or Wales
Near me
Locate NatWest cash branches and cash machines.
To use mobile banking you must:
- Be a NatWest customer who is registered for Online Banking
- Have a NatWest personal account with a debit card
- Be over age 11 and have a mainland UK mobile number starting 07
- Set up and made your first payment to each new payee via Online banking
NatWest will not charge you for any mobile banking services, however, your mobile network provider may charge depending on your tariff. Standard data download charges may apply. Please contact your network operator for details.
Our knowledgeable staff will put your needs first
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.
We will do more to help when you need us most
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 you have been a victim of banking fraud, in keeping with our obligations.
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.
We will provide convenient and quick service,
however you choose to bank with us
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.
We will help to strengthen the communities in which we live and work
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.
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.
From 12 July 2013 we are making some changes to overdraft charges.
Find out more about these changes
This is a summary of the rates and charges that apply to NatWest current accounts.
For full information, download:
For more information on our insurance benefits please refer to:
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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 Select Platinum Account
Membership includes access to all the benefits listed in the appropriate brochures and user guides.
| Type of current account | Subscription fee |
|---|---|
| Select Platinum Account | £16 per month. |
Application of Account fees
The subscription 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
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: 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). However, fees will apply to any unarranged overdraft.
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.
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 "Unarranged overdraft and Returned Items - Charges" section for details.
| Type of current account | Interest free threshold |
|---|---|
| Select Platinum Account | £100 |
Current rates
The following rates are effective from 4th November 2012
| Type of current account | Nominal monthly rate % | Nominal annual rate % | EAR % |
|---|---|---|---|
| Select Platinum Account | |||
| All amounts | 1.49 | 17.94 | 19.49 |
Representative Example:
Overdraft limit: £1,200
Arrangement Fee: £0
Interest Rates 19.49% p.a. (variable)
Account Monthly fee: £16
Our unarranged borrowing fees will apply if you borrow over your arranged limit. Please see the 'Unarranged overdrafts and returned items – Charges' section for details.
2. Unarranged overdrafts
With effect from 4th July 2011, we do not charge debit interest on unarranged overdrafts.
- 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 Returned Item Fee or Unarranged Overdraft Fee (see section 7 of our leaflet 'Personal and Private Banking - A Guide to Fees and Interest for details of these charges).
Arranged Overdrafts
Unarranged Overdrafts and Returned Items
Arranged overdrafts – arrangement fees
| Select Account, Select Silver Account, Advantage Gold Account and Select Platinum Account | Fee payable |
|---|---|
| Arranged overdrafts of £7,500 or less | Free |
| Arranged overdrafts of more than £7,500 | 2% of amount (minimum £30) |
Representative Example:
Overdraft limit: £1,200
Arrangement Fee: £0
Interest Rates 19.49% p.a. (variable)
Account Monthly fee: £16
Unarranged overdrafts and returned items - charges
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 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).
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 |
| 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.
Important information
Financial Services Compensation Scheme
Your eligible deposits with National Westminster Bank Plc are protected up to a total of £85,000 by the Financial Services Compensation Scheme, the UK’s deposit protection scheme.
Any deposits you hold above the £85,000 limit are not covered.
View further information (PDF, 515KB) or visit www.fscs.org.uk
- Benefit provider information
5* Defaqto rated Worldwide Family Travel Insurance
NatWest travel insurance is underwritten by U K Insurance Limited (UKI) who are authorised and regulated by the Financial Services Authority. Registered No. 1179980. UKI is a Royal Bank of Scotland Group Company.
5* Defaqto rated Mobile Phone Insurance
This cover has been arranged for NatWest by Aviva Insurance Limited (Registered in Scotland, company number 2116. Registered Office: Pitheavlis, Perth PH2 0NH. Authorised and regulated by the Financial Services Authority, number 202153).
5* Defaqto rated UK Car Breakdown Cover
NatWest car breakdown cover is underwritten by U K Insurance Limited (UKI) who are authorised and regulated by the Financial Services Authority. Registered No. 1179980. UKI is a Royal Bank of Scotland Group Company.
National Trust Days Out
This benefit has been arranged for Natwest by National Trust, Heelis, Kemble Drive, Swindon, SN2 2NA. Registered Charity No. 205846.
tastecard Membership
This benefit has been arranged for Natwest by Taste Marketing Ltd, 1 Victoria Court, Bank Square, Morley, Leeds, West Yorkshire LS27 9SE. Registered in England 05545626.
Apply now
-
Call us on
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.
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