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Packaged bank account

Compare our packaged bank accounts

Specific account eligibility criteria and fees apply.

What is a packaged bank account?

A packaged bank account is a type of current account that comes with added extras. The extras can be anything from earning Rewards, different types of insurance or fee-free debit card purchases abroad. 

In exchange for these extras, most packaged bank accounts will come with a monthly fee. 

A packaged bank account works like a normal current account. It allows you to receive money, make payments, transfer funds, pay your bills via Direct Debit and more. 

What are the benefits of a packaged bank account with NatWest?

Our packaged bank accounts include travel insurance. The destinations and number of days covered vary depending on the account type (criteria applies). Our Reward Silver and Reward Platinum accounts offer extra perks and benefits for those who want a little more from their bank account, including: 

Compare packaged bank accounts

Upgrade your existing NatWest current account to a packaged account. Specific account eligibility criteria and T&Cs apply. 

Reward 

£2 monthly fee
  • No foreign transaction fees on debit card purchases abroad. Local fees may apply.
  • £4 back in Rewards per month when you have 2 direct debits held on the account
  • Earn Rewards through everyday spending when you spend with one of our retailers

Reward Silver

£12 monthly fee
  • European travel insurance.
  • Mobile phone insurance.
  • No foreign transaction fees on debit card purchases abroad. Local fees may apply
  • Plus, all the benefits of the Reward account.

Reward Platinum

£23 monthly fee
  • Worldwide family travel insurance.
  • UK car breakdown cover.
  • Family mobile phone insurance.
  • Enhanced health and travel eSIM benefits
  • Tastecard membership.
  • Plus, all the benefits of the Reward current account.

Premier Reward Black

£39 monthly fee
  • Worldwide family travel insurance
  • UK and European breakdown cover.
  • Family mobile phone insurance
  • A monthly travel eSIM.
  • Travel and lifestyle concierge services.
  • No non-sterling fees on debit card purchases abroad. Local fees may apply. Not valid on ATM withdrawals.
  • Plus, all the benefits of the Premier Reward account.

Premier eligibility criteria apply.

Other accounts

We also offer accounts with no monthly fee. See below to view our full range of current accounts.

What are NatWest Rewards?

NatWest Rewards are a great way to earn as you manage your money. Earn rewards every month for eligible Direct Debits, plus at least 1% back when you spend using your NatWest debit card with our retail partners.

  • With our Reward, Reward Silver and Reward Platinum accounts, you could earn £4 a month in Rewards for paying 2 or more Direct Debits (must be worth at least £2 each) from your eligible account.
  • With our Premier Reward and Premier Reward Black accounts, you could earn £9 a month in Rewards for paying 2 or more Direct Debits (must be worth at least £4.50 each) from your eligible account.

Simply access your MyRewards account on the NatWest app to view your personal offers and exchange your rewards. After that, you can spend your Rewards however you like. Cash them into your bank account, spend them as an e-gift card or donate them to charity. The choice is yours.

How to upgrade to a packaged bank account

Choose your packaged bank account

Once you've selected which account works best for you, then click apply

Answer a few simple questions

We'll ask you a few questions before we can upgrade your account

You'll get a decision

If your application is successful, we’ll update your account shortly. From there, we’ll also send you a welcome pack within two weeks. You can keep using your debit card, and all your bank details will stay the same.

Packaged joint accounts

Want to earn rewards together? With NatWest you can also open a joint Reward account with your partner or family member. This means you and one other party can earn and split NatWest Rewards between you. All you need to do is upgrade your existing joint account using the application process above.