Open a bank account online today. Take a look at our range of accounts to find one that might suit your needs.
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Bank accounts
Ready to open a bank account?
Reward account
Cha-ching! Get money back on your everyday spend with over 20 retailers for only £2 a month.
Eligible for our £180 switch offer.
Earn £4 a month in Rewards for 2 or more direct debits of at least £2.
Earn £1 a month in Rewards just by logging into our mobile app.
Earn from 1% back in Rewards when you spend at our partner retailers.
Earn Rewards as cash back into your account or e-gift codes with our retail partners.
Must be 18+, UK resident, and pay in £1,250 to an eligible NatWest account every month. T&Cs apply.
Get our £180 Switch offer with our Reward account
Apply online or via our mobile app to open a new Reward account and switch your current account held elsewhere using the Current Account Switch Service. This means your old bank account will close and any funds and Direct Debits will move over to us.
If you're an existing customer, you can switch your account held elsewhere in to an existing eligible Reward account, or switch in and upgrade an existing account to one of our Reward accounts.
To be eligible for the offer, within 60 days of completing the switch, you must:
- Have an eligible Reward account.
- Pay in £1,250. This can be made of multiple payments and must remain in the account for 24 hours.
- Log in to our mobile app. If you already have the app, you’ll need to be on the latest version.
When you've met these conditions, we'll pay £180 into your eligible account within 7 days.
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Monthly fees apply. If you've previously received a switch incentive from NatWest Group, you won't be eligible for this offer. Offer can be withdrawn or amended at any time due to limited availability. App criteria apply. Offer T&Cs apply. Paying in £1,250 as part of the Reward account terms will also meet the Switch offer terms.
Everyday bank account
The basic everyday bank account that helps you take action, also known as our Select account.
- No hassle: easy to set up, simple to use, and zero monthly fee.
- Save the change: watch the pennies add up (and up and up) with Round Ups and a linked instant access savings account. Criteria applies.
- Get closer to your dreams: monitor your progress with spend tracking and budgeting.
- Your day-to-day made easy: with Split the Bill, 24/7 support, and cardless cash withdrawals. Criteria and limits apply to these features.
Must be 18+ UK resident to apply. Not eligible for £180 Switch offer.
Child & Teen
Looking for a kid's account?
Adapt account (11-17 year olds)
- Current account with a contactless debit card for 11-17 year olds.
- Earn 2.50% AER / 2.47% Gross p.a. (variable) interest on your balance.
- Apple Pay (if you're 13+) and Google Pay™ (if you're 13+). Limits apply.
Rooster Money (3-17 year olds)
- Parent-managed pocket money app for 3-17 year olds.
- Set allowances and track your kids' spending and saving.
Eligibility criteria, fees & charges may apply. T&Cs apply (PDF, 100KB).
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Student bank account
The one that makes studenting easier.
NatWest offer a 4-year tastecard. Offer T&Cs apply.
18 or older? Interest-free overdraft - get an overdraft of up to £2,000 from year one (limited to £500 in term one year one), with an instant online decision. Students can apply for up to £3,250 interest-free from year three onwards.
Fee free.
Specific account eligibility criteria apply. Overdraft subject to eligibility.
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Premier accounts
Starting from £0 per month
Premier Reward accounts eligible for our £180 switch offer.
Access to dedicated support, financial planning and a range of benefits that could make your life easier.
Specific account and Premier eligibility criteria apply. Fees may apply to specific products and services.
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Joint accounts
Share your banking
A joint bank account could make sense if you're looking to share your Select or Reward account with someone you trust.
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Foundation account
A straightforward account
Not eligible for our £180 switch offer.
If you're not eligible for the bank account you are applying for, you might be offered the Foundation account instead. You can't apply directly for this account.
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Ukrainian refugee account
Let's get you set up in the UK
We've set up a new account opening process for you. Choose from the languages below to find more details and eligibility criteria.
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Reward Silver
£10 monthly fee
- Eligible for our £180 switch offer.
- European travel insurance.
- Mobile phone insurance.
- Fee-free foreign card purchases.
- Plus, all the benefits of the Reward account.
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Reward Platinum
£22 monthly fee
- Eligible for our £180 switch offer.
- Worldwide travel insurance.
- UK car breakdown cover.
- Includes all Reward Silver's benefits too.
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Business bank accounts
Whether you’re just starting out in business, or you’ve been running a business for longer, we could have an account to help you go further and do more. There’s support from business experts, specialist programmes to help you grow and expertise to tap into so you can succeed.
Business banking is available to eligible customers, over 18 who have the right to be self-employed in the UK.
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Bank whenever, wherever
Easy, secure, quick banking with our highly-rated app.
- Secure login using your fingerprint or facial recognition on selected devices.
- Freeze and unfreeze your card whenever you need.
- Turn on Round Ups to save money effortlessly.
- Use Split the Bill to get your mates to pay you back for that lunch.
App Store and Google Play Store™ ratings correct as of 6th of February 2023.
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Switch to NatWest
With another bank? The Current Account Switch Service will move everything from your old account over to us in 7 working days. Let us know in your application if you want to switch and when to get the ball rolling. Click the link below to find out more.
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Protecting your money
Eligible deposits with us are protected up to a total of £85,000 by the Financial Services Compensation Scheme (FSCS), the UK's deposit guarantee scheme.
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Supporting our customers
See how we've performed in key service areas and view details on how we support all personal banking customers.
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