NatWest bank accounts

Have we got the right bank account for you?

Select account

Our 5 star rated day-to-day bank account, with no monthly fee

Manage your account using our mobile banking app. Criteria apply.

Multiple ways to pay; Apple Pay, Google Pay™ and contactless Debit Card. Limits apply.

No monthly fee.

To apply, you need to be 18+ and a UK resident.

Additional bank accounts

We also offer additional bank accounts to suit your needs

Specific account eligibility criteria applies.


Earn monthly rewards

For £2 a month you'll get:

  • £4 a month back in rewards for 2 or more Direct Debits (at least £2 each).
  • £1 a month back in rewards with 1 mobile app log in.
  • Earn from 1% back in rewards when you spend at our partner retailers: Caffe Nero, Europcar and more.

To apply, you need to be 18+ and a UK resident. You need to also pay in £1,250 to an eligible NatWest account every month. You can only hold a maximum of 1 Reward account in your name, and 1 joint names.


Get uni life off to a great start
  • £80 cash and a free 4 year tastecard
  • Apply for an interest free overdraft of up to £2,000 (£500 in the first term). 18+, subject to approval.
  • Use our mobile app to help you bank anytime, anywhere.

To apply, you must be 17+ and a UK Citizen, or have been living in the UK for at least 3 years. Online applications only.​

Offer T&Cs apply.


Child & Teen

Looking for a kid's account? 
Adapt account (11-17 year olds)
  • Current account with a contactless debit card.
  • 1.51% / 1.50%  AER/Gross p.a. (variable) on your balance
  • Works with Apple Pay and Google Pay™.

Rooster Money (3-17 year olds)

  • Parent-managed pocket money app
  • Set allowances and track your kids’ spending and saving
  • Fees may apply for additional services.

Bank accounts for Ukrainian refugees

We’ve set up a new account opening process to help Ukrainian refugees set up in the UK. Here you’ll find details on the account, how the process works & other assistance, including instructions translated into Ukrainian and Russian, and guidance on accessing your account once open.

Customers must be 18+, hold a Ukrainian passport or Ukrainian national ID card, and a valid visa (or similar – see account for full details).  

For our existing customers...

If you’re a NatWest current account customer you can change your existing current account to a packaged account. Available online only.

Reward Silver

£10 monthly fee.

Reward Platinum

£20 monthly fee.

Premier Reward Black

£31 monthly fee. Premier criteria apply.

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.

Switch to NatWest

The Current Account Switch Service will do all the work when it comes to switching, moving everything across from your old account to your new account all within 7 working days, including Direct Debits and standing orders. All you need to do is tell us the details of your old bank account and when you want the Switch to start.

We can not switch savings accounts or ISAs through this service. Any other products you have with your old bank will not be moved at the same time.

Current Account Switch Guarantee (PDF, 39KB)

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

How does the Current Account Switch Service work?

Supporting our customers

If you want to see how we have performed in key service areas and how we support all personal customers, you can get a detailed view here.

Financial services compensation scheme

Your eligible deposits with NatWest are protected up to a total of £85,000 by the Financial Services Compensation Scheme, the UK's deposit guarantee scheme.

Find out more (PDF, 4 MB) about the scheme and how it protects your money.

Current account help and support

Joint accounts

Take care of shared bills and household expenses with friends or partners, by opening a joint account. You'll both be able to access your account and make payments.

Compare current accounts

If you're still not sure which type of current account is right for you, our guide could help you weigh up your options and pick the right bank account for you.

Foundation accounts

If you’re not eligible for the bank account you are applying for, you might be offered the Foundation account instead. You cannot apply directly for a Foundation account.