NatWest bank accounts

Do money better today and tomorrow with a NatWest account

Select account

The basic everyday bank account that helps you take action.

  • 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.

Reward account

Cha-ching! Get money back on your everyday spend with over 20 retailers for only £2 a month.

  • 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.

Student, child & teen accounts

Student bank account

The one that makes studenting easier.
  • An offer of £100 cash and a 4-year free tastecard (worth £39.99* per year). Offer T&Cs apply. Based on the standard annual cost direct from tastecard excluding any offers. Correct as at 23rd May 2023. 
  • 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.

*Eligible students in third year onwards can apply for up to £3,250 from 2nd October 2023.

Specific account eligibility criteria apply. Overdraft subject to eligibility.

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 2.70% AER / 2.67% 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).

Other current accounts

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.

Foundation account

A straightforward account

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.

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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Premier accounts

Access extra perks

Enjoy a host of exciting benefits with our Premier current accounts. 

Specific account and Premier eligibility criteria apply. 

For existing customers

Upgrade your existing NatWest current account to a packaged account. Specific account eligibility criteria apply. 

Reward Silver

£10 monthly fee
  • European travel insurance.
  • Mobile phone insurance.
  • Fee-free foreign card purchases.
  • Plus, all the benefits of the Reward account.

Reward Platinum

£20 monthly fee
  • Worldwide travel insurance.
  • UK car breakdown cover.
  • Includes all Reward Silver's benefits too.

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.

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.

Banking made better

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.

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.

Current Account Switching

Current Account Switch Guarantee (PDF, 39KB)

A Guide to Switching Current Accounts (PDF, 3MB)

Supporting our customers

See how we've performed in key service areas and view details on how we support all personal banking customers.


NatWest performance indicators (PDF, 74KB)