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Fancy making your money go a bit further?

Let's get started today

Wouldn’t it be great to have more money coming in? We can't promise you that – but we might be able to help you get a better looking bank balance. 

It’s hard finding the time to do what we want to do, let alone what we should be doing. Like keeping tabs on our money. But fear not, if you’ve not given your money the TLC it needs, we’ve got just the very thing. 

We always say our app is like having a bank in your pocket. But its real genius is the handy money management tools that can help you track your spend, set budgets or a saving goal, keep tabs on your credit score and more. 

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

Budget better, spend less

If you know where your money’s going, it’s a lot easier to stick to a budget. The NatWest app shows you where you spend it and what you spend it on. 

You can use our app to set budgets for categories like bills, groceries, entertainment, shopping, holidays and transport. If you reduce your spending on each by just £5 every month, that’s an extra £30 that could go into your savings. Give it a go!

Available to customers aged 16+ who hold a Personal or Premier current account.

Get the tools to hit your goals

Did you know you could save twice as much if you set yourself a goal?

If you've got an Instant Access Saving Account with us, it's easy to set a Savings Goal in the NatWest app. Just tap in how much you need to save and by when and the app automatically shows you how much you need to set aside each month to hit your target.

Available within mobile or online banking to customers who hold an instance access savings account. Account eligibility criteria and conditions apply.

Check your credit score for free

Knowing how to boost your credit score is an important consideration if you want to be accepted for a new credit card loan or mortgage. Our customers have already used the credit score feature in our app over 20 million times! 

Want to get going? You can check it for free and as often as you like -  and it doesn't affect your credit score. Simply tap the customer icon in the top right of the NatWest app home screen. 

Available to customers who opt in via the app, and are 18+ with a UK address. Score provided by TransUnion.

Already have a NatWest account?

Discover more ways to keep on top of your money in the NatWest app.

Download the app

Downloading the NatWest app couldn't be easier, follow these three simple steps below.

  1. On your mobile or tablet, go to the App Store if using Apple or Google Play if using Android
  2. Search for 'NatWest Mobile Banking'
  3. Tap to download the app

Get the app

Experience easy, quick, secure banking with the NatWest banking app

Get the app

Experience easy, quick, secure banking with the NatWest banking app

New to NatWest?

Boss your money with a little help from our 5 star rated everyday bank account

Select account

  • Easily use our mobile banking app
  • Multiple ways to pay: Apple Pay, Google Pay™  and Contactless Visa Debit Card. Limits apply.
  • Arranged overdraft available (subject to eligibility)
  • No monthly fee

Not sure if this account is right for you?
Our full range of bank accounts can be found here.

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

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 cannot 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 Switch service work?

Overdraft details

How do overdrafts work?

An arranged overdraft can be useful for short term borrowing. Understand arranged and unarranged overdrafts and their impact on your account. An overdraft is a form of borrowing and is repayable on demand.

How much will an overdraft cost?

Understand the cost and impact of overdrafts and whether you're eligible to apply for one. If you don't repay what is owed, you could harm your credit score and borrowing capability.

Open a bank account online - FAQs

Get ready to apply

Before you apply, we need to check you're happy with a few things. And ask you a few questions up front. Then we can make your application as quick and simple as it can be.

First things first. You can apply if you:

are aged 18 or over and a UK resident

Now please take a look at the important legal info

If you carry on applying, it means you're happy with what's in these documents, including the FSCS information sheet. And happy to view your statements in Online Banking - not posted. Please take some time to review, print and/or save the important information.

How your information might be used

It's important for you to understand how we use and share your information. Please read this short summary before you continue with your application.

All okay? You’re nearly ready to start.

To speed up your application for our Select account, we need to do a few final checks with you. They'll only take a minute.

Do we already know you?
What kind of account do you want?

You're all set

Your application will be completely online, and you won't need to post us any information or visit a branch.


  1. Tell us a bit about yourself and we’ll set up your account.
  2. Our partner HooYu will then check your identity by matching you to your Photo ID. We might also ask for other information like proof of address. If you don’t have your ID to hand you can finish this step later.
  3. Once they’ve confirmed your identity we’ll activate your account. 
Do both applicants share an address?

You're all set

Depending on what ID we need to see, we may ask you for:

  • Photo ID, such as driving licence, Passport or EU ID card
  • Proof of your address, such as a utility bill, bank statement or driving licence

Look out for an email and text after you have applied from our security partners, DigiDocs. It'll have a link to securely upload your documents for us to check. 

You're all set

Depending on what ID we need to see, we may ask you for:

  • Photo ID, such as driving licence, Passport or EU ID card
  • Proof of your address, such as a utility bill, bank statement or driving licence

Look out for an email and text after you have applied from our security partners, DigiDocs. It'll have a link to securely upload your documents for us to check. 

Do you have a current account with NatWest?
What would you like to do today?
Do you know your Online Banking details?
If you log in to Online Banking we can pre-fill some of the application for you.
What kind of account do you want?

You're all set

You’ll need to login with your Online Banking details at the start of the application, so make sure you have them handy.

Do both applicants share an address?

You're all set

You'll need to login with your Online Banking details at the start of the application, so make sure you have them handy.

You're all set

You'll need to login with your Online Banking details at the start of the application, so make sure you have them handy.

Please register for Online Banking

To help kick-start your application, we'll need you to register for NatWest Online Banking. If you've forgotten your login details you can re-register via the same process..

You'll need your bank account sort code and account number, and your NatWest Bank debit card if you have one.

The good news is that it normally takes about 5 minutes to register.

Which account would you like to change?

You’re all set

During the application, you'll need:

  • The account number and sort code of the account you want to change

As you're changing your account, the account details and debit card will stay the same. Just to make life easier for you.

Do both applicants share an address?

You're all set

During the application, you'll need:

  • The account number and sort code of the account you want to change

As you're changing your account the account details and debit card will stay the same. Just to make life easier for you.

You're all set

During the application, you'll need:

  • The account number and sort code of the account you want to change

As you're changing your account, the account details and devit card will stay the same

You’re all set

You’ll need these bits of info handy for your application:

  • The account number, sort code and debit card number of the bank account you want to switch to NatWest
  • The account number and sort code of your existing NatWest current account

The Current Account Switch Service will move everything across from your old bank account to your NatWest current account within 7 working days. 

Do you know your Online Banking details?
If you log in to Online Banking we can pre-fill some of the application for you.

You’re all set

Depending on what ID we need to see, we may ask you for:

  • Photo ID, such as Drivers licence, Passport or EU ID card
  • Proof of your address, such as a utility bill or bank statement

Look out for an email and text after you have applied from our security partners, DigiDocs. It'll have a link to securely upload your documents for us to check.

You’re all set

Depending on what ID we need to see, we may ask you for:

  • Photo ID, such as Drivers licence, Passport or EU ID card
  • Proof of your address, such as a utility bill or bank statement

Look out for an email and text after you have applied from our security partners, DigiDocs. It'll have a link to securely upload your documents for us to check.

You're all set

Depending on what ID we need to see, we may ask you for:

  • Photo ID, such as Drivers licence, Passport or EU ID card
  • Proof of your address, such as a utility bill or bank statement

Look out for an email and text after you have applied from our security partners, DigiDocs. It'll have a link to securely upload your documents for us to check.