Text alerts
You can set up convenient text alerts to help manage Direct Debits. That way you always know what’s coming in and going out. You can even get an alert when your balance is about to drop below a certain limit.
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 your account is a Foundation account, you are eligible for the switch offer providing you meet the eligibility criteria.
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 Offer can be withdrawn or amended at any time.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)
Manage your money more easily with our basic Foundation account. With this bank account there's no extra credit check so it could be right for you if you're going through bankruptcy or have a low credit score.
We may offer you this no-fee current account if you aren’t eligible for a different NatWest current account or if we feel it’s more appropriate for your financial circumstances.
This means you can’t directly apply for our basic bank account. Also it's worth keeping in mind that overdrafts aren't available and no interest or charges can be applied. We’ll only offer you our Foundation account if you apply for one of our other bank accounts, but don’t qualify.
For other banking services and current accounts, take a look at our account options.
Foundation bank accounts work like regular current accounts for the most part. They’re just designed specifically for people with poor credit history. You might be offered a Foundation account if you have a low credit score or if you don’t qualify for another type of account. This account doesn’t require an extra credit score check.
With a basic bank account, you can pay in and withdraw money to easily manage your finances. However, you won’t be able to access a cheque book, overdraft or credit card. You’ll also receive a contactless debit card so you can make purchases online and in-store using the money in your account.
A NatWest Foundation account allows you to bank with no monthly fee or added interest. This means you can use your account without worrying about extra charges.
At NatWest, we want to make sure we provide you with the right tools so you can bank confidently. Our Foundation account is no different. Whether you have a poor credit score, have been declared bankrupt, or denied a different account, we’re here to provide everyday support.
You can set up alerts in our handy mobile banking app. View, cancel and amend your regular payments all in one place. Manage your bills where and when it suits you. You can also easily pay friends and family and keep track of your balance on the go, 24/7.
If you’ve been struggling with money, you might be turned down for a bank account. This is where the NatWest Foundation account comes in.
You may be offered a Foundation account if:
You can’t directly apply for a Foundation account. We’ll let you know during your application if we need to offer you a Foundation account instead of the account you’ve applied for. From there, we'll give you the choice of whether to continue.
You can also complete account applications in branch. In this instance, our staff will give you the option to open a basic Foundation account.
A basic bank account requires no credit check. Your credit score isn’t usually affected by opening one of our basic Foundation accounts. However, when you open the account, you may see a temporary dip in your credit score, similar to when opening any account.
You can use your contactless debit card to make quick and easy payments and ATM withdrawals. However, you must have the money available in your account to use your card.
We also offer a handy emergency cash feature. This allows you to contact us if your card has been lost or stolen. We’ll send you a code that lets you withdraw the cash you need without your card from our cash machines. You need to have the money in your account, at least £20, and we’ll ask you some security questions so we’re sure it’s you.
To make managing payments that little bit easier, we’re proud to offer 24/7 banking services. We all lead busy lives, so we’ve made it easy for you to access your account whenever it suits you. Simply log in to Online Banking or our mobile banking app. Alternatively, you can contact one of our UK call centres, 24 hours a day.
Our App is available to personal and business banking customers aged 11+ using compatible iOS and Android devices. You'll need a UK or international mobile number in specific countries.
To apply, you need to be 18+ and a UK resident.
To apply, you need to be 18 or over and a UK resident. To hold this account, you need to pay £1,250 into an eligible NatWest account every month. To earn £5 rewards, you earn £4 a month back in rewards for 2 or more Direct Debits (at least £2 each) and an additional £1 a month back in rewards with 1 mobile app log in.
We also offer a number of other bank accounts designed for managing your money as effectively as possible, as well as a host of accounts with additional benefits for existing NatWest customers.
We have created a dedicated page which has all the support you need to open your account with us.
The page is also available in Ukrainian and Russian and includes further information about the account as well as support for refugees you may find useful.
See our Ukrainian refugee account opening page for more information.
To apply for this account you must be 18+, a temporary UK resident and hold either an in date Biometric Residence Permit, Ukrainian international passport or Ukrainian national ID card (see account for full details)