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Existing customers

Make the most of your Reward bank account

My Reward account

We want to make using your bank account simple. We'll explain how to manage your account through the mobile app, make payments, use debit card controls and more. You can also learn how to earn and claim your NatWest Rewards.

Managing your Reward account

Card services

Activate your card

Lock your card

Report your card lost or stolen

Order a card reader

Our accessible debit card

Using your debit card abroad

Overdrafts

Arranged overdrafts

Ways to pay

Contactless payments

Use contactless for an easy and safe way to pay for all those everyday items. Limits apply.

Google and Apple Pay

Just add your debit or credit card to digital wallet - Apple Pay or Google Pay™ on your phone for an easy and secure way to pay. Apple Pay and Google Pay are available on selected devices. Retailer limits may apply.

Fast and easy payments

You can make payments or transfers on the go using our mobile app or Online Banking. Limits apply.

Account T&C's

Current account terms, rates and charges

How do I set up NatWest Rewards?

Great news, there is no need to set up your Rewards. You can see your MyRewards balance and claim straight from the NatWest app with the touch of a button. There's no need to use a password.

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You need to pay in £1,250 to an eligible NatWest account every month. 

Earn your Rewards

Every month you can:

Get £4 a month back in Rewards for 2 or more Direct Debits (2 of those Direct Debits needs to be at least £2 each).

Get £1 a month back in Rewards with 1 mobile app log in.

Earn Rewards at partner retailers when you use your NatWest debit card.

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Claim your Rewards

The choice is yours. You can:

  • Redeem Rewards as cashback which you can then transfer straight into your bank account or pay towards your NatWest credit card balance.
  • Trade up for e-gift cards which you can use online or in store with our eligible partner retailers.
  • Exchange your Rewards into money which is donated to one of our chosen charities
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View your Rewards balance

It’s much quicker to access your MyRewards account through your NatWest app. Just login and select MyRewards to see your balance, earn or exchange your Rewards without needing a password.

You can also log in with a PIN and Password via the MyRewards website.

App available to customers aged 11+ with compatible iOS and Android devices and a UK or international mobile number in specific countries.

Change your bank account

If you'd prefer one of our other accounts, you can change your current account online. It's quick and easy to change.

  1. View our current account range. Specific account eligibility applies. Monthly fees may apply.
  2. After choosing your preferred account option, follow the steps to apply for that account.
  3. When applying, make sure to choose the ‘change my existing account’ option and complete the application form.

When changing your existing account to another, you’ll:

  • Keep your existing sort code, account number and debit card. Your existing standing orders and direct debits will stay the same.
  • Retain your arranged overdraft limit.
  • See no impact to your credit rating.

Make banking simple with our mobile app

Check your credit score for free

Keep track of your credit score in our app and get personalised tips to improve it.

Available once opted in through the app to customers aged 18+ with a UK address. Data provided by TransUnion.

Save your spare change with Round Ups

Pay with your debit card and we'll round up the amount to the nearest pound, then send the spare change to your savings account. Save little and often and the pennies soon add up.

View your Rewards balance

Watch you Reward balance grow in the app. Just login and select MyRewards to see your balance, earn or exchange your Rewards without needing a password.

Pay in cheques securely

Just take a photo of the front and back of the cheque using our app and the money will be paid into your account.

Limits apply.

Need to split a bill with friends?

Whether you’re requesting money from family or splitting the bill with friends you choose how you ask for money using the NatWest app safely and securely. Eligibility criteria and limits apply.

Budget better, spend less

Put your spending into categories and get a detailed view of where your money is going.

You must be aged 16+. Only available for Personal and Premier accounts.

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App available to customers aged 11+ with compatible iOS and Android devices and a UK or international mobile number in specific countries.

Round Ups is available to customers who have an eligible current account, an eligible instant access savings account and are registered for the NatWest Mobile App. Round Ups can only be made on debit card and contactless payments in Sterling.

Something else we can help you with?