Our mobile phone insurance is underwritten by American International Group UK Limited (AIG). Our travel insurance is underwritten by U.K. Insurance Ltd where offered. Our car breakdown cover is provided by Automobile Association Developments Limited (trading as AA Breakdown Services).

Important changes to your Platinum account benefits

We’re making changes to your travel insurance and some of the other benefits that come with your account.

From 1 February 2024, our travel insurance provider is changing from U K Insurance Limited to AWP Assistance Ltd (trading as Allianz Assistance).

To find out more about this and other changes, please review all supporting documents here.

Managing my account

Report my card lost, stolen or damaged

If you think your debit card or any of your card details, such as your PIN may have been stolen, you should report it to us to avoid the possibility of fraud.

You can now instantly report your card as lost, stolen or damaged through your mobile app. Simply open the app, tap on the account that your card is linked to and select 'Manage my card' to see your options.

You can also report your card by logging in to Online Banking or chat to us online.

Alternatively, you should call us as soon as possible on:

UK: 0370 600 0459 | Relay UK: add 18001 in front of the number
Overseas: +44 1268 500 813

Once you’ve reported your debit card as stolen, we will send out your new card, which will be with you in 5 working days.

Set up, change or cancel a Direct Debit

Manage your Direct Debits

A Direct Debit is an agreement between you and the organisation you’re paying, which allows the organisation you want to pay to collect varying amounts from your account – but only if you’ve been given advanced notice of the amounts and dates of collection.

View or cancel a Direct Debit

You can easily view or cancel a Direct Debit via our mobile app or through your Online Banking.

While you can’t set up a Direct Debit without the input of the people you are paying, you can view and cancel your Direct Debit directly with us.

You have up until 8.20pm (UK time) on the day the payment is due to cancel.

How to set up, view or cancel a Direct Debit

Register my travel

Using my debit card abroad

Register your travel details with NatWest at least 24 hours before your trip, and we'll do our best to ensure your holiday spending isn't affected at all.

Let us know you will be using your card abroad

If you have our mobile app, it’s easy to let us know you are going to use your debit card abroad.

Simply go to the app, tap on the account that your card is linked to, select 'Manage my card' and then select ‘Going Abroad’ to register your trip.

You can register one trip at a time. It can include up to seven countries and last 90 days. Register each country you are visiting. The marker will apply to all debit cards in your name. Joint account holders should register separately.

Get more information on spending abroad and how to minimise fees and charges.

You can also register your travel plans via Online Banking or by giving us a call or popping in to a branch.

Freeze your card

If you've misplaced your debit card, or want to stop it from being used, you can temporarily freeze your card to protect it from unauthorised use. You can freeze and unfreeze your card at any time using your mobile app.

Make a transfer or payment

You can make payments or transfers on the go by logging in to our mobile app. Using your mobile app you can:

Pay someone new* up to £1000 without a card reader.
Pay saved payees, up to £20,000.
Create, amend and cancel regular payments.

*There is a maximum of 5 payments totalling £1000 per day. You must be aged 16 or over.

Alternatively log in to Online Banking where you can view your balance and statements, make payments, transfers and more to help manage your account.

Need more help?

See our dedicated page to find out more about making payments

Current account terms, rates and charges

We want to ensure that everyone is aware of their account terms, rates and charges so we've gathered all the important information for your NatWest current account in one place.

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

Ways to pay

Unlock the benefits of using your NatWest card

There are many secure and convenient ways to pay with your NatWest card.

Learn more about:

Apple Pay
Google Pay
Contactless payments

Criteria apply.

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Your arranged overdraft

Set up, change or remove an arranged overdraft

If you already have an Arranged Overdraft limit on your account that you feel is too low or too high, we can help you change it.

Overdrafts available to eligible NatWest current account customers, UK residents aged 18 or over. Subject to lending criteria.

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Set up your bank account

Get the mobile app

Our mobile app is like a branch in your pocket

Once you've set up Online Banking, you can get the mobile app. This is the easiest way to keep an eye on your spending and manage your accounts.

Get the mobile app

Need help? See how to set up Mobile Banking

Get started online

Online Banking lets you manage your account, any time, any day

Setting up Online Banking takes a few minutes. You'll need your email address, sort code, account number and debit card to hand.

Get started now

Need help? View our online guide

Set up your card

Get the most from your card

New to NatWest?

If you're new to NatWest, we'll post your Contactless Debit Card and PIN separately within a few days of opening your account. Once your card arrives we'll explain how you can use it.

Already a NatWest customer?

If you’re already a NatWest customer and have recently changed your account, there’s no need to set up your card. You get to keep your existing card and PIN.

You will receive a Contactless Debit Card as standard when your existing card requires replacing, or if you're a new customer at account opening. If you don't want to wait, please pop into your local branch or call us on 0345 366 0012 (Relay UK: 18001 0345 366 0012).

Our accessible debit card

We provide all our personal and premier customers with an accessible debit card.

It’s been specially designed to be easier to use, especially if you have accessibility needs. The card has several features:

A notch carved out of the side of the card, to help you work out which way round to insert your card into a cash machine or card reader.
A series of raised dots or lines, so you’ll know which card is your NatWest card.
Telephone numbers on the back of the card are 50% larger to make reading easier.

Our cards are issued with flat print numbers. If you require a braille plastic wallet, please call on 03457 888 444 (Relay UK- 18001 03457 888 444) for further details.

If you require braille, large print or audio fulfilment please fill in the form below.

Request braille, large print or audio fulfilment

Need help managing your money?

Life’s big moments often mean some kind of financial change. We’ve created helpful tips and tools to help you to manage your finances and support you through life’s important journeys.

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Change your current account

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

View our current account range. Specific account eligibility applies. Monthly fees may apply.
After choosing your preferred account option, follow the steps to apply for that account.
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.

Information Message

You need to be a current account holder, 18+ and a UK resident. If you're a non-UK resident, we can only change your current account to our Select account.

Important documents to read

We do our best to ensure everyone is aware of their account terms and conditions, please take some time to review, print and/or save a copy of these.

Platinum Account Insurance Product Information Document (PDF, 140 KB)
Platinum Travel Insurance Policy (PDF, 259 KB)
Platinum Benefit Terms (PDF, 323 KB)

Changes to your Platinum benefits

We’re making changes to your travel insurance and some of the other benefits that come with your Platinum account.

Platinum Notice of Variation (PDF, 80 KB)
Platinum Travel Insurance Product Information Document effective 1 February 2024 (PDF, 1 MB)
Platinum Travel Insurance Terms effective 1 February 2024 (PDF, 2 MB)

Mobile and Online banking

Mobile Banking

5 reasons why you should use our mobile app

View your balance and statements anytime

Make payments to your saved payees (limits apply)

Pay someone new without a card reader (limits apply)

Pay your bills and manage recurring payments on the go (limits apply)

Transfer money between your accounts

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Online Banking

Online Banking is a secure, easy to use and convenient way to manage your account

View your balance

Make payments

Set up and manage your regular payments

Transfer money between your accounts

Set up and go paperless

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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?

Something else we can help you with?

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