Online Banking
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Select Silver Account
A current account that's great if you like European travel, films and music
- Bank on demand with our Mobile app
- Award-winning online banking - we're the 2012 Your Money Best Online Banking Provider
- Emergency cash if your card is lost or stolen (limits apply)
Plus a range of additional benefits for a £10 monthly account fee
Discover some of the benefits of a Select Silver Account
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. Rates & important info for the Select Silver Account.
European travel insurance
- Up to 22 days cover for each trip
- Includes winter sports cover
- £10 million medical expenses cover
- Includes you and joint account holders when you have a joint account
Members and joint account holders aged 70 years and over must pay an annual premium of £50. If you have an existing medical condition you may have to pay an annual premium or accept your cover may exclude certain conditions.
Mobile phone insurance
- Covers all mobile phones – including Smartphones
- Unlimited replacement value per phone (excluding additional embellishments)
- Covers loss, theft, accidental damage and breakdown.
- Covers up to two phones if you have a joint account
- Unauthorised calls cover – up to £2,500 (inc. VAT) for monthly contracts and £100 (inc. VAT) for pay as you go customers
LOVEFiLM
- Choose up to three DVDs plus two hours online streaming each month
- Rental and streaming allowances not used cannot be carried forward to the next month
- Online access is required
hmvdigital downloads
- Download up to five tracks per month compatible with your computer, iPod/MP3 player and phone
- Downloads not used cannot be carried forward to the next month
- Online access is required
Plus our standard banking benefits, including:
Ready to apply?
Not the right account for you?
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Rates & important information
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:
You will need Adobe Reader to view these documents. Get Adobe Reader.
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).
Monthly account fees
Account includes access to all the benefits listed in the appropriate brochures and user guides.
| Type of current account | Monthly account fee |
|---|---|
| Select Silver Account | £10 per month. (Monthly fee increasing to £10 from 17th Feb 2013) |
Application of monthly account fees
The monthly 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
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.
Interest free thresholds
| Type of current account | Interest free threshold |
|---|---|
| Select Silver Account | £100 |
Current rates
The following rates are effective from 04 July 2011
| Type of current account | Nominal monthly rate % | Nominal annual rate % | EAR % |
|---|---|---|---|
| Select Silver Account | |||
| All amounts | 1.52 | 18.28 | 19.89 |
Representative Example:
Overdraft limit: £1,200
Arrangement Fee: £0
Interest Rates 19.89% p.a. (variable)
Account Monthly fee: £10
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).
Additional services
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
Important Information – Select Silver Account Guarantee
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
If you opened your Select Silver Account on or after 4 July 2011, you are eligible to benefit from our Select Silver Account Guarantee.
If you use any of the Select Silver Account benefits within 60 days of your account being opened and are not satisfied within that 60 day period, we will refund all monthly account fees you have paid for your Select Silver Account in the first 60 days of account opening.
We may change or withdraw the Select Silver Account 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. Calls may be recorded.
Please also read our website terms and conditions which cover your use of this website.
For the full terms and conditions, download 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).
Select Silver Account costs £10 a month.
(Monthly fee increasing to £10 from 17th Feb 2013)
Benefit provider information
5 Star Defaqto rated European Travel Insurance
NatWest travel insurance is underwritten by UK 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.
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)
Identity Theft Assistance
This benefit has been arranged for Natwest by Card Protection Plan Limited, Holgate Park, York, YO26 4GA. Registered in England No 1490503.
HMV Downloads
This service is provided by 7digital Limited. Registered office: Unit F, Lower Ground Floor, 5-25 Scrutton Street, Zetland House, London EC2A 4HJ. Registered in England and Wales No. 04843573.
This benefit has been arranged for NatWest by Syncredible Agency Limited. Registered office: 26-28 Hammersmith Grove, London W6 7BA. Registered in England and Wales No. 04631831.
LOVEFiLM DVD Rentals
This service is provided by LOVEFiLM UK Limited, No. 9, 6 Portal Way, London W3 6RU. Registered in England and Wales No 6528297.
This benefit has been arranged for NatWest by Syncredible Agency Limited. Registered office: 26-28 Hammersmith Grove, London W6 7BA. Registered in England and Wales No. 04631831.
On hand in an emergency
Need emergency cash? Don’t worry.
Call us and we'll give you a code to withdraw up to £300 of your money from any NatWest, RBS or Ulster Bank cash machine in the UK or Ireland.
- Withdraw up to £300 - if you are an online or telephone banking customer. Or up to £60 if you're not.
You’ll need to have enough money in your account and a minimum of £25 available - 24/7 support - call us any time to report your missing card and ask for your emergency cash code
- No extra cost - we don't charge you any extra for this service
Overdraft
Extra breathing space for your finances
If you're over 18 with a NatWest Select Silver account, an overdraft can give you flexibility and access to some extra money (subject to eligibility).
Borrow up to your approved limit at any time, and:
- Increase (subject to approval) or decrease your limit whenever you want
- Only pay interest on what you borrow – within your agreed limit
- No need to renew your overdraft
Online banking
Our award winning service is simple and secure
We’re the 2012 Your Money Best Online Banking Provider
Our online banking service helps you:
- Stay in control - online banking with your Select Silver account makes looking after your money even easier
- Bank when it suits you - day and night, you can do your banking whenever it suits you
- Transfer money - make instant transfers to any NatWest account - and transfer money to any other
UK bank account - Pay bills - forget cheques, it's quicker and safer to send money online. You can even set up
standing orders for regular payments and manage your Direct Debits - 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
To sign up for online banking you need to have a NatWest account and be aged 11 or over.
Please note that system updates will mean that online banking is unavailable for short periods in the early hours of the morning.
Visa debit card
Visa debit card lets you make purchases and withdraw money from any cash machine in the UK and overseas. Fees and charges apply to overseas withdrawals.
We are now issuing Visa Debit cards with contactless technology to all eligible customers. Contactless allows you to pay for everyday essentials like a coffee, lunch, travel or a newspaper - in less than a second.
Get more with Mobile Banking
Bank in your downtime, not your free time 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. Want to pay someone else by mobile number? We’re working on it...
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 £100 over a 4 day period.
- 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, 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.
Effortless switching
Our dedicated switching team
You can choose to use our specialist switching team. They are dedicated to making your switch as simple and smooth as possible. They’ll make most of the arrangements for you such as setting up Standing Orders and Direct Debits. They’ll keep you informed on the progress of your switch and will be at 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.
Fraud and activity alerts
Keeping you safe, and up to date
Alerts to keep you safe, and up to date
- Fraud alert - We'll call you if we identify unusual activity on your account - could be a warning that someone is using your information
- Activity Alerts - get a text message when you carry out certain activities on your account - you stay informed and secure
- Act Now Alerts - get a text or email if you are about to become overdrawn, or are already using an unarranged overdraft - helps you minimise or even avoid overdraft and returned item fees
- Balance Alerts - get a text with your updated balance each week whenever it suits you - helps you stay in control of your accounts anytime, anywhere
- Limit alerts- we'll check your balance every day and aim to send you a text at 8am if your account balance hits limits set by you
- On demand balance or mini statement - we'll send your current balance and most recent transactions to your mobile
NatWest will not charge you for any mobile phone banking services, received via text or by accessing the application. However, your mobile phone network operator may charge for certain services and there may be additional charges if you are overseas. Please check with your network provider.
Our commitment
Our commitment to our customers
We want to become Britain's most helpful bank and our Customer Charter is key to achieving that goal. It continues to be our long-standing commitment to you, our customers, as we provide the services you want and need. Everything in it is based on the things that you have told us are important and we are committed to acting on them.
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.
See how well we're doing at natwest.com/ourcharter
Telephone banking
Wherever you are - home or abroad - we're always open
Our UK based telephone banking call centres are always open - so you can talk to us any time, day or night. You only pay for the cost of the call.
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
- Order foreign currency- cheque books, paying-in books and statements
Mobile phone top-ups
Mobile phone top-ups
Use one of our many cash machines across the UK to top-up your pre-pay mobile phone without the need to visit a shop, buy a voucher, or make a long phone call:
How does it work?
- It's completely free of charge
- Works with all the major mobile networks
- You can top-up a friend or relative's phone
- You can do it 24 hours a day, 365 days a year
Topping up at a cash machine only takes around 40 seconds, here's a demonstration to show you how it works:
- Mobile Phone Top-up Demonstration - Flash version
- Mobile Phone Top-up Demonstration - Non-Flash version
Will it work with my network?
All major UK mobile networks are covered. So if you have an O2, Orange, T-Mobile, Vodafone, Virgin Mobile or Tesco Mobile pre-pay phone, you'll be able to top-up using this new service.
Will it work with my card?
If you have a NatWest account with a Cashcard or Servicecard, you'll be able to use the service. E-top up cards are not required.
Which cash machines can I use?
You can top-up your phone at NatWest, The Royal Bank of Scotland or Tesco Personal Finance cash machines. Use our Branch Locator to find your nearest NatWest branch.
What's the maximum top-up amount?
The maximum in any one transaction is £50. However, you can use the top-up service more than once in a day, as long as you stay within your daily cash withdrawal limit and have enough money in your bank account.
Some mobile network operators may also apply a limit to the number/value of top-ups you can undertake. For details please contact your mobile network operator.
Whenever you use the cash machine top-up service your bank account will be debited with the top-up amount requested and your daily cash withdrawal limit will be reduced accordingly. If, for any reason, the top-up amount is not credited to your phone, please contact the Customer Services Department of your mobile network operator.
Visa debit card
Visa debit card
Your Visa debit card is the easy way to pay - whether you're popping down to the shops, dashing off abroad, making online purchases or just need some cash.
- Withdraw cash- you can use your NatWest Visa card at any cash machine in the UK and at overseas cash machines that display the Visa symbol. Fees and charges apply to overseas withdrawals.
- Pay for purchases- your Visa card is accepted at over 29 million retailers and outlets worldwide
- Online security- make secure online purchases with your Visa card using NatWest secure. This extra layer of security gives you greater peace of mind.
- Top up your mobile- top up your pay-as-you-go mobile at any of our UK cash machines. There's no charge for this service and it works with all the major mobile networks.
Charges apply for using your debit card abroad and for certain transactions in the UK. Full details of debit card charges.
Effortless switching
Our dedicated switching team
You can choose to use our specialist switching team. They are dedicated to making your switch as simple and smooth as possible. They'll make most of the arrangements for you such as setting up Standing Orders and Direct Debits. They'll keep you informed on the progress of your switch and will be at 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.
Easy steps for switching to us
- Choose a bank account that is right for you and click 'Apply online'
- Within the online application select 'yes' to the following question:
Are you transferring an existing account from another financial institution?
Have your old bank statement to hand to help you answer questions relating to your old account - Sign and return the new account paperwork. If your application is successful you will receive a letter confirming your new account is open together with the new account switcher forms
- Sign the new account switcher forms and send them back in the envelope provided
- Our dedicated switching team will do all the hard work for you and keep you up to date with progress
Account switching is also available to applications opened in branch or by the telephone. Simply tell the Customer Advisor that you wish to use the New Account Switching Service when opening your account.
Branch banking
Pay in cash and cheques and make withdrawals at any NatWest branch
With over 1500 NatWest branches in the UK, we make it easy to stay close to your finances.
Our Customer Charter is helping us to improve the service you get at all of our branches.
We'll extend our opening hours in our busiest branches
During 2011 more than 650 branches will be open on Saturdays, while our 160 busiest branches will continue to open either early in the morning, or late in the evening. We will regularly review customer demand for longer opening hours.
We aim to serve the majority of customers within five minutes in our branches
This year we will serve 80% of customers within 5 minutes in our busiest branches.
We'll provide you with friendly, helpful service whenever you deal with us
We are aiming for 9 out of 10 customers to rate our service as friendly and helpful.
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
In line with customer feedback, all of our branch literature, standard letters and key web pages will be rewritten to make them simpler and easier to understand.
Identify theft assistance
Identity theft can be expensive
It can also cause months of hassle. We’ll help you beat the identity thieves and give you the support you’ll need if the worst should happen.
Credit report– check your credit status and receive alerts from Experian if anyone is using your personal details.
Personal support– if you fall victim to identity theft, a dedicated caseworker will help defend and restore your credit status.
CIFAS registration - alerts you if your details are used on a credit application
Valuable document registration– lets you keep important information, such as your passport number or details of insurance policies, in a secure place. If you lose your documents, we can provide you with their details.
You need to register for credit report and valuable document registration. For joint accounts, both parties must register individually for Experian credit report monitoring.
Travel money
Preferential rates
To make travelling abroad easier we offer preferential rates on travel money, Orders must be online or over the phone through membership services to receive preferential rates. Minimum order of £100 applies.
Further information regarding your Mobile Phone Insurance Supplier change
Common Questions
- Who is the new mobile phone insurance provider?
- Do I need to re-register my phones due to the mobile phone insurance provider change?
- When will the mobile phone insurance provider change?
- Who should I contact after the 8th March 2013 for mobile phone insurance claims or registrations?
- What happens if my claim or complaint relates to a time before the 8th March 2013 but I am unable to report this until the 18th March 2013?
- What are the key differences for the mobile phone insurance from the 8th March 2013?
- Where can I find my IMEI number?
- How many phones are covered per account?
- In the mobile phone insurance policy provided by CPP, my phone was covered if it was lost or stolen or damage by a "household member", who is covered under the Aviva policy?
- Are there any additional services for Black account customers?
- How much can I claim for accessories?
- How much can I claim for unauthorised calls?
- After an accepted claim when will I receive my replacement phone?
- What value can I claim up to for a lost or stolen or damaged phone?
- Will there be a change to the location I go to online to access the mobile phone insurance benefit?
- Why can’t I have the same conditions I am going to have now in relation to proof of purchase?
- Why has the supplier of mobile phone insurance changed?
- What happens to my current warranty for my phone?
Who is the new mobile phone insurance provider?
The new mobile phone insurance underwriter is Aviva Insurance. Carphone Warehouse is the administrator.
Do I need to re-register my phones due to the mobile phone insurance provider change?
No – you do not need to do anything. All details of phones which are currently registered with CPP will be transferred over to Aviva.
When will the mobile phone insurance provider change?
The mobile phone insurance provider will change on 8th March 2013 at 12.01am.
Who should I contact after the 8th March 2013 for mobile phone insurance claims or registrations?
You should continue to contact the appropriate membership services number contained within your benefit terms and conditions and listed on the Membership Services website (advantagebenefits.natwest.com).
If you are calling for claims or complaints in relation to the period before the 8th March 2013 you will have the option when you call to select the appropriate team to be directed to.
What happens if my claim or complaint relates to a time before the 8th March 2013 but I am unable to report this until the 18th March 2013?
If you are calling for claims or complaints in relation to the period before the 8th March 2013, when you call Membership Services you will have the option to highlight this and be directed to the appropriate team.
What are the key differences for the mobile phone insurance from the 8th March 2013?
There are a number of key differences between the old and the new mobile phone insurance policy:
- Proof of purchase is no longer required – proof of ownership is via IMEI validation.
- You now have up to 60 days to let Aviva know of your claim
- You can claim up to £250 on accessories which are lost/stolen/damage at the time of an approved claim.
- You can claim for unauthorised calls up to £2,500 for pay monthly and up to £100 for pay as you go.
- The excess for all claims is £75 for Silver customers and £50 for all Black Account, Select Platinum and Advantage Gold customers.
Where can I find my IMEI number?
You can find this by referring to your proof of ownership, contacting your network provider or dialling *#06# on your device. We recommend you store your IMEI number and airtime provider’s contact details somewhere other than your phone in case you need to claim.
How many phones are covered per account?
Select Silver, Select Platinum and Advantage Gold have cover of one phone per account holder; if the account is a joint account then 2 phones are covered.
The Black Account provides cover for up to 4 phones - including phones owned by family members.
In the mobile phone insurance policy provided by CPP, my phone was covered if it was lost or stolen or damage by a "household member", who is covered under the Aviva policy?
Authorised users are covered under the Select Silver, Select Platinum and Advantage Gold policies, an authorised user is a person known to the account holder who is a UK resident and has been given their permission to use the phone. There is no need to register authorised users.
On the Black Account, family member’s phones are covered under the policy (up to 4 phones per account). Family members are defined as the your partner (who lives with you in a domestic relationship, whether married or cohabiting) and your children under 18 years of age who live at home with you (under 23 if still in full time education and living at home with you outside of term time).
Are there any additional services for Black account customers?
Yes, as a Black Account holder you may also receive technical support/initial set up on the replacement phone you receive as part of a claim.
How much can I claim for unauthorised calls?
You may claim up to £2,500 for pay monthly and up to £100 for pay as you go.
If you are a Black Account holder you will receive a replacement phone within 24 hours.
If you are a Select Silver, Select Platinum or Advantage Gold customer you will receive your replacement phone within 48 hours.
Some conditions apply including - once the claim is accepted and providing excess paid by 5pm. If you live in Scotland, Northern Ireland, the Highlands, or claims made on Bank and Public Holidays, your phone will take longer than 48 hours to get to you.
What value can I claim up to for a lost or stolen or damaged phone?
There is no limit to the value of the phone claimed however there are some exclusions highlighted in more detail in the mobile phone insurance terms and conditions. Exclusions include phones which have been modified with embellishments or have been cosmetically enhanced with precious metals, stones or crystals, these are not covered under the policy.
Will there be a change to the location I go to online to access the mobile phone insurance benefit?
No changes will be made to the online locations, you will still access same Membership Services (advantagebenefits.natwest.com) site as you have done previously. You will now see Aviva instead of CPP pages when processing your claim or registering a device.
Why can’t I have the same conditions I am going to have now in relation to proof of purchase?
To improve the process for claims approval we have worked with our new supplier to remove as many barriers as possible to quick approval. Therefore you are now required to confirm the IMEI number of your phone as proof of ownership.
Why has the supplier of mobile phone insurance changed?
We regularly review our benefit suppliers and look to improve the service we provide our customers by making the benefits included with our packaged accounts easy to access. We believe the change to Aviva as our mobile phone insurance supplier offers additional benefits and simplified path to make claims.
What happens to my current warranty for my phone?
Current warranties continue on with the phone manufacturer as outlined in the standard warranty terms from the phone manufacturer. If the phone breaks down outside of the warranty you will be able to apply to make a claim.
hmvdigital
IMPORTANT INFORMATION
Despite the coverage regarding HMV in the media on Tuesday 15 January 2013, there will be no interruption to this benefit as it is powered by 7 Digital who are a separate entity to HMV.
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