Upgrade your account

It’s easy to upgrade your current account online

Expand / Collapse additional benefits	Select Account No monthly membership 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.
Close Accepted worldwide with added online security protection. Visa Debit card
Close We have over 1500 branches in the UK – there's sure to be one that’s handy for you. Branch Banking - over 1,500 UK branches
Close Manage your money when it suits you, using our safe and secure award winning service. We’re the 2011 Your Money Best Online Banking Provider. Award winning Online banking - 2011 Your Money Best Online Banking Provider
Close Our UK based call centres are open 24 hours a day, seven days a week. UK Call centres 24/7
Close Download the free, 2010 NMA Effectiveness award winning, NatWest mobile phone banking application and bank with your iPhone. Mobile Banking and iPhone app
Close Get text alerts, mini statements and weekly balances sent straight to your mobile phone. Text alerts
Close Use your Visa Debit card at any UK cash machine and at many cash machines abroad. Charges may apply for withdrawals overseas. Full UK ATM access
Close If you lose your debit card you could withdraw up to £300 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. Emergency cash
Close When you need some extra money. Subject to approval. Overdraft (subject to eligibility)
Close Pay no interest on your overdraft when you stay within an agreed overdraft limit: £100 for Advantage Gold, Select Account and Select Silver Account. Subject to approval. Overdraft interest free threshold	£100	£100	£100
Close For added flexibility when you’re making payments. Cheque book		(subject to eligibility)
Close The easy way to pay bills and make regular payments. Direct Debits and standing orders
Close 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. Dedicated switching team
Close Our range of alerts means that you can keep in touch with your finances on your mobile or by email. And if we think there’s some suspicious activity on your account, we’ll call you right away to minimise the possibility of any fraud. Fraud alerts
Close Select Silver covers you for European trips of up to 22 days – including winter sports. Advantage Gold covers you for trips of up to 31 days anywhere in the world - including winter sports. 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).
Close Cover for your monthly contract or pay-as-you-go mobile phone against theft, unauthorised calls, loss and accidental damage. Two phones can be protected with a joint account. Mobile Phone Insurance		Up to £750 replacement value	Up to £1000 replacement value
Close Green Flag is Your Money's 'Best Breakdown Cover Provider' for 2010. Broken down at or near your home – Homecall is included. Green Flag Car Breakdown Cover - inc. Homecall
Close Choose up to three DVDs each month from over 70,000 movies including new releases and old favourites. LOVEFiLM DVD Rentals (Online access is required)
Close Download up to five mp3s each month – choose from over 13 million tracks including new releases and classic albums. hmvdigital downloads
Close Help when you’re a victim of identity theft and get information on your credit status. Identity Theft Assistance
Close With complimentary delivery to your home or local branch, when ordered through Membership Services. Preferential Travel Money
Close Treat the family to a choice of over 200 UK attractions, from zoos to theme parks. Family days out - 20% off at over 200 UK attractions
Close Save up to 10% on holidays booked with major operators, plus no credit card or booking fees. Discounted packaged holidays - up to 10% off
Close From TVs to fridges, just pay with your NatWest debit or credit card and register within 90 days. We’ll extend the manufacturer’s warranty by an extra year. Extended Warranty
Close £15,000 accidental death cover (or £7,500 if you’re over 70) should the worst happen. Accidental death Insurance
Close Most purchases made on your Advantage Gold Debit or Credit Card are automatically insured against loss, damage or theft for 100 days from the day you make the purchase. Automatic purchase protection
Close 10% off your first year's NatWest car insurance plus a further 10% discount if you buy, or already have, NatWest home insurance – subject to minimum premium. Discounted Car Insurance - subject to minimum premium
Close 10% off your first year's NatWest home insurance plus a further 10% discount if you buy, or already have, NatWest car insurance. Discounted Home Insurance
Close Advantage Reserve is our higher-rate instant access savings account that offers preferential rates for Advantage Gold customers. Great savings rates
Close We all want to make the most of our money, all of the time. As an Advantage Gold customer, that’s exactly what we’ll help you to do. Tailored rates on personal loans and credit cards and preferential overdraft rates
Show all 30 benefits			Show all 30 benefits
Potential savings		Up to £426	Up to £713
	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.

More on Black Account