Advantage Gold

Advantage Gold is packed with useful savings and extras. Here's a small selection:

Travel and leisure - annual, worldwide family travel insurance, including winter sports cover. Plus discounts on Thomas Cook holidays

Insurance - protect your mobile phone (including iPhone™), and cover up to two phones with a joint account

Security - identity theft protection and emergency cash from our cash machines

Banking - get mini-statements, balances and balance alerts sent straight to your mobile phone. Plus tailored loans, overdrafts and mortgage rates.

Advantage Gold gives you all this for just £12.95 per month.

Personal loans, overdrafts and mortgages at tailored rates

Our specially tailored Advantage Gold rates could help bring down the cost of borrowing. These rates don't apply to online loans. All Advantage Gold customers are eligible for great deals on a range of NatWest mortgages saving you money on our standard rates.

Savings at tailored rates

The Advantage Reserve Savings Account is our high rate, instant access option – and it's only available to Advantage Gold customers. The more you save, the more you'll earn.

Complimentary Mobile phone banking and text alerts

Stay on top of your finances wherever you are. Get free mini statements and balances, plus text alerts when your account hits the limits that you have set.

Commission free travel money

Get your foreign banknotes and traveller's cheques, at preferential rates, delivered to your home (or local branch) free of charge.

Credit Cards

If you have an Advantage Gold account you are guaranteed a 1% initial discount on our standard credit card rate for at least 12 months. Typical APR 15.9% variable. Find out more about our credit cards

Travel service – save up to 10%

Thomas Cook Travel Service gives you discounts on big name package tours, car hire, flight transfers and more. There are no credit card or booking fees, helping you to save even more.

20% on family days out

Money off the entrance fees at over 200 UK attractions, from London Zoo to Edinburgh Dungeon.

Special Offers

Great offers on Kwik-Fit, Halfords, LOVEFiLM and many more. See Important Information for full terms and conditions.

Travel insurance – annual family worldwide cover

Five star cover including winter sports - independently rated by the experts at Defaqto as being in the top 10% of the market. Benefits include up to £10m cover for medical and emergency expenses, plus up to £500 cover for personal money.

Mobile phone insurance

Covers theft, unauthorised calls, loss, accidental damage and more. Up to £1500 unauthorised call cover (monthly contract) or £100 (pay as you go). Replacement phone cover up to an original purchase value of £500. Own an iPhone™ or PDA? It's protected too. You can even protect up to two mobile phones if you have a joint account.

Car breakdown cover

Relax in the knowledge that Green Flag are there to help if your car breaks down. Can't start your car in the morning or broken down near home? Homecall comes as standard.

Extended warranty

Add 12 months' cover on up to six home electrical items every year. From TVs to fridges, just pay with your NatWest debit or credit card and register within 90 days. We can even extend the warranty for up to three years at a tailored rate.

Accidental death benefit

If you were to die in an accident, your next of kin will automatically receive £10,000.

10% off car insurance

NatWest car insurance is already good value. This extra discount on your first year's premium sweetens the deal even more.

4* Defaqto rated Home Insurance discount

Benefit from a 25% first year discount on home insurance premiums

Identity theft protection

Help defend and restore your credit status. Up to £5000 of cover, designed to cover the expenses involved in putting things right if you've been the victim of identity fraud.

Emergency cash

Lost your card or had it stolen? Call us anytime and we'll give you a code to withdraw up to £300 from your account - without a card. Simply visit any of our UK cash machines.

This page provides a summary of the rates and charges that apply to NatWest current accounts.

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.

You may need Adobe Reader to view some of these documents. Get Adobe Reader. Visit access.adobe.com.

We also have a separate page providing an update on unarranged overdraft charges.

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 subscription fees are payable on the following accounts. Membership includes access to all the benefits listed in the appropriate brochures and user guides.

The annual rates of interest paid on credit balances:

Calculation and application of interest.

Interest is calculated on a daily basis and paid into the account once a month. Please see Section 8 of our leaflet: Personal and Private Banking – A Guide to Fees and Interest (PDF File 225KB) for further details.

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 represents fees, charges or costs of the kind described in section 6 of our leaflet: Personal and Private Banking - A Guide to Fees and Interest (PDF File 225KB) under the heading Sums which do not bear interest.

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.

Interest free thresholds

Current rates

The following rates are effective from 28 April 2008

We'll arrange a Credit Zone Overdraft, depending on your circumstances.

Your overdraft may be subject to an arrangement fee. Our unarranged borrowing rate and fees will apply if you borrow over your arranged limit. Please see the 'Charges'

Previous rates

The following rates were effective from 02 January 2007

2. Unarranged overdrafts

Any amount overdrawn without an arranged overdraft or in excess of an arranged overdraft limit will be charged at the following rates:

Interest at the appropriate rate is charged in addition to the Maintenance Charge. The Paid Referral Fee and / or Guaranteed Card Payment Fee may also be payable if the unarranged overdraft arises from an informal request by you for an overdraft. Please see the 'Charges' sections below for details.

Interest on arranged and unarranged overdrafts is calculated on a daily basis and applied to your account once a month on the dates set out in section 8 of our leaflet NatWest Personal and Private Banking - A Guide to Fees and Interest (PDF File 225KB).

The charges shown in this section do not normally apply to the other accounts we offer to Personal and Private Banking customers. However, we sometimes allow other accounts (including savings accounts) to be operated in a way which enables the customer to give instructions for a withdrawal or other payment which cannot be met from the funds in the account. If this happens, the charges listed below in the sub-section "Unarranged overdrafts and unpaid items – charges" will apply.

Arranged overdrafts – arrangement and renewal fees

Unarranged overdrafts and unpaid items – charges

Note that the Maintenance Charge, Guaranteed Card Payment Fee and Paid Referral Fee do not apply to Student and Graduate Accounts.

Note that the Maintenance Charge, Guaranteed Card Payment Fee, Paid Referral Fee and Default Notice Fee do not apply to Step Accounts.

Monthly Management Fee Option

If you regularly pay unarranged overdraft or unpaid item charges, we may agree with you that our Monthly Management Fee Option will apply to your account. Under this option:

• you pay a monthly management fee of £10;
• any Maintenance Charge, Unpaid Item Fee, Paid Referral Fee or Guaranteed Card Payment Fee which you have to pay will be reduced to £17;
• the Paid Referral Fee will be subject to a maximum of £51 in any calendar month and the Unpaid Item Fee will be subject to a maximum of £51 per day.

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.

The subscription for Advantage Gold is £12.95 a month. Advantage Gold is a packaged service of which the core element is a current account without which the remainder of Advantage Gold benefits are unavailable. Over 18s only. Calls may be recorded. Information correct as at March 2008.

The examples are for illustration purposes only and are not based on actual NatWest customers.

The savings shown are representative of those that can be achieved by holding a NatWest Advantage Gold account in comparison to a NatWest Current Plus account.

Full details of all benefits and how to access them will be available in your Advantage Gold handbook. For further details on our insurance products, please refer to your insurance policy summaries.

LOVEFiLM DVD Rental & £10 retail voucher

Free Trial plus £10 Love2shop voucher

1. This offer is only valid for Advantage Gold customers.
2. This offer expires on [30th June 2009].
3. To register for your free trial, a valid credit or debit card is required.
4. Your free trial expires 30 days after registration.
5. You will NOT be charged during the free trial unless you change your subscription package.
6. Depending on the package you choose, you may have either 1, 2 or 3 discs out at any one time.
7. You can cancel your subscription at any time.
8. Existing subscribers or those who have previously enjoyed a free trial with any LOVEFiLM-powered site are not eligible.
9. At the end of your free trial, you will automatically become a paying member unless you cancel your subscription and return any of our discs in your possession BEFORE the end of your free trial.
10. To receive your £10 love2shop voucher, you must validly register for the free trial, put at least ten discs in your rental list and we must have dispatched your first disc to you.
11. Within 30 days from dispatch of your first disc, we will post your love2shop voucher to you at the delivery address on your account as at the date of dispatch.
12. This offer may not be redeemed in conjunction with any other offer and is limited to one per household.
13. Terms and conditions apply. Visit www.lovefilm.com for further details.

LOVEFiLM, the LOVEFiLM logo and all other LOVEFiLM product or service names are trademarks of LOVEFiLM International Ltd. © 2008 LOVEFiLM International Ltd. All Rights Reserved.

Littlewoods.com

This offer can only be used once to obtain £15 discount when you place your first order of £25 or more and is conditional on being accepted as a Littlewoods credit customer (0% APR Typical). This offer is only valid for Advantage Gold customers. Offer valid until 30 June 2009. Promotional codes are codes that enable customers to obtain benefits such as discounts, free delivery and free gifts. These codes are non-transferable so may only be used by the person to whom they are issued and must only be used in accordance with their terms and conditions of use. Returned goods, financial services products and delivery charges will not count towards the value of the order. If you use a promotional code to claim a promotional benefit, you must first check that it was issued to you and that you are eligible to use it. By using it to claim a promotional benefit you will be confirming that:- (i) you are entitled to use the code; (ii) you meet all the conditions that apply to its use; (iii) you agree to the terms set out below. If, before accepting your order, we find that you are not entitled to use the code or do not meet all the terms and conditions of its use, we may reject your order or alternatively process it without the promotional benefit being applied. If, after accepting your order, we find that you were not entitled to use the code or did not meet all the terms and conditions of its use, we may reverse the benefit that you obtained. If you transacted using a debit or credit card, we may take a further payment from the card, which is equivalent to the value of the incorrect discount applied to the order. If you transacted on a credit basis, the value of the incorrect discountapplied to the order may be charged to your credit account. Credit provided, subject to status, by Shop Direct Finance Company Limited. Registered number 4660974. Registered office: Aintree Innovation Centre, Park Lane, Netherton, Bootle, L30 1SL. Authorised and regulated by the Financial Services Authority in respect of arranging insurance products. Goods/services provided by Shop Direct Home Shopping Limited. Registered number 4663281. Registered office: First Floor, Skyways House, Speke Road, Speke, Liverpool, L70 1AB.

LetsSubscribe magazine offer

1. This offer is only valid for Advantage Gold customers. Offer valid until 30 June 2009.
2. 50% off on a selection of magazine titles, you pay £1 for the first 3 issues and then the rest at the discounted price per magazine frequency
3. This is a direct debit offer, so please have your account and payment details when you call. After the given period, the rate will increase (the exact rate to be confirmed to the customer on the phone).
4. The list of magazines available to receive this offer will increase so please ask for details when you call.
5. Customers are not obliged to continue with the subscription after the first 3 issues.
6. If you want to stop the subscription they may call the publisher to cancel (the customer must cancel at least 2 weeks before receiving third issue of the promotion).
7. When signing up to this offer, the payment details are passed directly to the relevant publisher for the payment to be taken. LetsSubscribe work as an agent for the different publishers
8. It may take up to 9 weeks for the first issue to be received. This is dependent on which company publishes the magazine and dependent on where the order is taken in the subscription cycle.

Range of Kwik-Fit Offers

This offer is only valid for Advantage Gold customers

Only one discount per customer vehicle. Valid until 31 March 2009 at Kwik Fit Centres. The discounted servicing and MOT is only available at Kwik Fit Servicing and MOT Testing Centres. Offer only valid for privately owned vehicles not used for business purposes. The 20% discount is on the price of a Full or Interim Service or Combined MOT Test and Full or Interim Service taken in the same visit. The 20% discount and reduced MOT price do not apply to additional work or parts that may be required. Some vehicle exclusions may apply. Register online for the 10% discount on the current price of all other products and services. All offers cannot be used in conjunction with any other offer or voucher. The 20% servicing discount or the reduced price MOT can be used with the 10% discount on other products and services.

Thomas Cook – Save £100 on your holiday

This offer is only valid for Advantage Gold customers

£100 bonus discount applies in addition to the 10% NatWest Gold Travel Service discount but cannot be combined with any other offer. £100 bonus discount applies to any Thomas Cook (excluding Thomas Cook Signature or Thomas Cook Tours products) or Airtours holiday departing between 01 May 2009 and 31 October 2009. Offer applies to new bookings only made with the Travel Service between 18 December 2008 and 18 February 2009.

Extra night free at top European cities

This offer is only valid for Advantage Gold customers

The Extra Nights offer is available on stays of 3, 5 or 7 nights. Participating hotels are all OctopusTravel hotels located in Paris, Rome, Brussels, Florence and Prague. Hotel prices are per room per night based on 2 sharing a twin/double room. Valid for bookings made between 18th December 2008 and 18th February 2009 for travel between 18th December 2008 and 30th June 2009. Free night offer and validity dates vary per hotel, see free stay offer icon on website for specific hotel conditions. Breakfast and taxes included in European hotels, exclusions apply*. Rates may change due to different travelling dates, locations & exchange rate fluctuations. Offer subject to availability. OctopusTravel standard terms and conditions apply – visit the Travel section for full details. *Some hotels do not include breakfast in the daily rate, these are clearly shown at the time of booking on the Hotel offers website.

10% off Halfords gift voucher

This offer is only valid for Advantage Gold customers
This offer is valid 18 Dec 2008 – 18 Feb 2009
The vouchers are not transferable and there are no cash alternatives
If the voucher is exchanged for goods of lower value no change will be given.
This voucher may be exchanged for goods of a higher value on payment of the difference between the voucher value and the purchase price of goods selected.
This voucher may be redeemed at any Halfords branch in the UK (excluding The Republic of Ireland and Channel Islands)
Halfords returns policy applies
We cannot accept the responsibility for lost or stolen vouchers and no refund will be given
Return of any faulty items should be made to the original redemption store presenting the proof of purchase

Mortgages

Provided by National Westminster Home Loans Ltd. Special rates are not available on Buy-to-let Mortgages or for extra borrowing.

Personal Loans

Rates are dependent on your circumstances and loan amount. Different discounts may apply during special promotions.

Travel Insurance

All customers over 70 must contact the Advantage Gold Travel Insurance screening service. On this line, we will ask for additional information in relation to pre-existing medical conditions. An annual premium of £50 will be charged per account. More details are available in your insurance policy summaries.

Advantage Gold Travel Service is operated by Thomas Cook

10% guaranteed discount across all Thomas Cook Tour Operations product (Thomas Cook, JMC, Sunset, Thomas Cook Signature, Style, Club 18-30, Neilson, Flexible Trips, Airtours, Cresta, Bridge, Panorama and Manos) and Virgin Holidays.

A 7% discount applies to all holidays with all other tour operators (excluding Thomson and First Choice where a 5% discount applies).

Discount must be applied at the time of booking. Thomas Cook booking conditions apply.

All discounts apply in addition to any discount given to Thomas Cook by the tour operator, but not to any price you may obtain directly from a tour operator.

Discount does not apply to Thomas Cook Tours Palmair Holidays, SAGA Cruises, travel insurance, ski packs, fuel supplements or airport passenger duty.

These discounts only apply to holidays booked via the Advantage Gold Travel Service with Thomas Cook and not via any other part of Thomas Cook (e.g. Thomas Cook shops or www.thomascook.com).

All credit card charges will be waived.

Holidays and other offers are subject to availability and tour operator booking conditions. Offers can be withdrawn or amended without notice. The latest version of these are available at any time on request from the Advantage Gold Travel Service with Thomas Cook. NatWest reserves the right to vary or amend these conditions at any time. Thomas Cook customers and Booking Terms and Conditions and all relevant suppliers, including but not limited to airlines, tour operators, hotels, car rental companies, ferry operators, other providers of accommodation, leisure attractions and other third party' offering, organising or carrying out any travel arrangements or other offers (‘Suppliers') will also apply to the booking. All offers are subject to availability and in certain circumstances additional conditions may apply, where possible these will appear in the offer details. You are advised to enquire about any conditions that might apply prior to or at the time of booking. Some offers are subject to minimum and maximum stay restrictions. Travel arrangements and other offers in connection with this programme are only available to NatWest Advantage Gold customers. Except as may be expressly set out in booking conditions, all tickets and other arrangements and bookings are non-refundable and non-transferable. If you change or cancel your reservations or travel arrangements at any time after we have accepted your booking, then your tour operator, other supplier, or failing that, the booking agent will impose alteration or cancellation charges.

The Advantage Gold Travel Service is operated by Thomas Cook Retail Ltd, ABTA 29653, acting as agent to ATOL protected tour operators.

Credit Cards

Existing Credit Card customers are not eligible for this offer.

Home, Car & Travel Insurance

Underwritten by UK Insurance Limited. Conditions apply.

Extended Warranty Insurance

Underwritten by Domestic & General Insurance PLC.

Accidental Death Benefit

Underwritten by Sterling Insurance Company Limited, a private company incorporated in England and Wales. Authorised and regulated by the Financial Services Authority. It is a member of the Financial Ombudsman Service and the Financial Services Compensation Scheme.

Mobile Phone Insurance

Value example based on Carphone Warehouse 5 Lite Band cover. This cover has been arranged for National Westminster Bank Plc by Lifestyle Services Group Limited, registered in England, #5114385, FRN 315245, with a single provider, London General Insurance Company Limited registered in England, #1865673, FRN 202689. These companies are authorised and regulated by the Financial Services Authority.

Identity Theft Protection

Example based on Sentinel Identity Theft Protection, provided by AIG UK Limited. AIG UK Limited is authorised and regulated by the Financial Services Authority. AIG UK Limited is a member company of American International Group Inc. (AIG). The product is administered on behalf of National Westminster Bank Plc by Affinion International Limited. Affinion International Limited is authorised and regulated by the Financial Services Authority in respect of insurance mediation activities only. Affinion International Limited' FSA registered number is 311584 AIG UK Limited.

Telephone and online banking

System updates may mean that the services are unavailable for short periods in the early hours of the morning.

Savings Examples

Five-Star Defaqto rated Annual Travel Insurance

Annual worldwide family travel insurance with winter sports cover worth £160.

Mobile Phone Insurance

example based on Carphone Warehouse 5 Lite Band cover at £2.77 per week.

Identity Theft Protection

Value example based on Sentinel Identity Theft Protection. Plus access to advice and support, fraud resolution service and an online risk assessment tool.

Travel Service

£150 saving is based on a two-week, Thomas Cook holiday for 2 adults to Gran Canaria, departing from London Gatwick on 24 May 2008 staying at Lago Taurito, Playa Taurito on an all inclusive basis. The basic holiday price including in-flight meals, extra baggage allowance and airport transfer is £1,512 (subject to availability and change. Correct at time of going to press).

Home Insurance

Example based on a 45 year old insuring a 3 bedroom semi-detached house of standard construction in postcode LS18 5PA (Feb 08)

Car Insurance

Example based on a 30 year old male with 5 years no claims discount driving a 5DR 2001 Toyota RAV 4 (VVT-iGX). Mileage up to 8,000 miles per annum (Feb 08)

Extended Warranty

Covers up to 6 household appliances purchased with your NatWest Credit or Debit Card. Based on a LCD television costing £400-499 (Feb 08)

Complimentary home delivery and commission free sterling travellers cheques

Based on a short break with £300 worth of preferential rate foreign currency and home delivery (worth £6.50). Plus two holidays, each with £400 worth of commission free sterling travellers cheques and home delivery (worth £18)

£10,000 Accidental Death Benefit

Example based on accidental death cover worth £10,000. Based on Norwich Union's £1.99 a month cover for £20000 (Feb 08)

20% off at over 200 attractions in the UK

Value based on 2 Adults receiving a 20% discount when visiting 2 attractions a year where the standard price is £19.95 (e.g London Dungeon)

Information correct as at Feb 08

Green Flag Car Breakdown Cover

Car Breakdown Cover savings based on Green Flag cover for a 35 year old male driving a 2004 VW. Breakdown assistance is provided by Green Flag Motoring Assistance and underwritten by UK Insurance Limited. All are members of The Royal Bank of Scotland Group.

The examples shown are for illustration purposes only and are not based on actual NatWest customers.

Please also read our website terms and conditions which cover your use of this website.