NatWest bank accounts

Have we got the right bank account for you?

Switch to NatWest and get our £200 offer

Apply online or via our mobile app to switch a current account held elsewhere into a NatWest account from 14th February 2023 to receive our offer of £200.

Deposit £1,250 into your account and log into our mobile banking app within 60 days. App eligibility criteria apply.

When you meet these conditions we’ll pay £200 into your eligible account within 7 days.

If you've previously received a switching incentive from NatWest Group, you will not be eligible for this offer. Offer can be withdrawn or amended at any time.

Switch offer T&Cs apply (PDF, 166KB)

Current Account Switch Guarantee (PDF, 39KB)

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

Everyday bank account

The one that just gets things done.

Basic current account today, access to NatWest's vast offering for your future tomorrow.

  • Access to a 5 star rated account.
  • Free of monthly fees.
  • Quick to set up, easy to use.

Must be 18+ UK resident to apply.

Reward account

The one that gets your money working for you.

Daily spend + Direct Debits = Rewards.

  • Get rewarded for everyday banking.
  • Earn rewards for spending at our partner retailers with your NatWest debit card.
  • Every month, earn £4 back in  Rewards for paying 2 or more Direct Debits from your reward account - 2 of those Direct Debits need to be  at least £2 each. 
  • All this for £2 a month.

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 £50 in cash and a 4-year free Tastecard. Offer T&Cs apply.
  • 18 or older? Get an interest-free overdraft up to £2,000 (£500 in the first term) when money gets a bit tight.
  • Fee-free.

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 2.27% AER / 2.25% 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. 

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.

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)