Bank accounts

Open a Reward bank account

Why choose a Reward account?

Earn from 1% in Rewards when you spend with your NatWest debit card at our partner retailers. 

Redeem Rewards as money back into your current account, trade them up for eGift cards, or donate them to charity.

Easily use our mobile banking app.

Arranged overdraft available (subject to eligibility).

Multiple ways to pay: Apple Pay, Google Pay™ and Contactless Debit Card.

£2 monthly fee.

Learn how to earn and exchange Rewards

Earn rewards

Up to £5 a month back

Earn £4 a month back in Rewards for 2 or more Direct Debits (2 of those Direct Debits needs to be at least £2 each). Plus, earn an extra £1 a month back in Rewards with 1 mobile app log in. That's up to £5 a month back in Rewards to spend on whatever you like!

Also earn from 1% in Rewards when you spend with your NatWest debit card at our partner retailers. Check out our current retailers in the mobile app. 

Your Rewards balance can grow quickly, they're easy to earn and they're easy to exchange!

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Exchange Rewards

For cash back, gift cards and more

Once you reach £5 in Rewards, the choice is yours. Redeem Rewards as money back into your current account, trade them up for eGift codes, or donate to one of our chosen charities.

How to exchange your 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.

Keep in mind, if you choose to bank your Rewards it will take 5 working days to clear. 

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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.

Is a Reward account a cashback bank account?

The NatWest Reward bank account is similar to a cashback bank account – but it’s a bit more flexible. You can earn up to £5 a month back in Rewards for small things like logging into our mobile app and setting up direct debits.

You have multiple options. You can redeem your Rewards for cashback into your account, exchange them for e-gift cards, or donate them to charity. 

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?

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

will pay in £1,250 each calendar month to any eligible personal current account you have with us

do not currently hold 2 Reward accounts.

Not sure a Reward account is for you? Look into our Select everyday bank account with no monthly fee.

Now please take a look at the important legal stuff

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.

As part of the checks that we will complete to verify your identity, we’ll take an image of your face so that it can be compared with your photo ID and this biometric data is captured.

All okay? Apply for a bank account online today.

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

Do we already know you?
If you have a current account, credit card, loan or savings account with NatWest please let us know.
What would you like to do today?

You're all set

  1. Tell us a bit about yourself and we’ll set up your account.
  2. We might need to verify your identity when you apply online.
  3. We’ll do this by matching your Photo ID to a selfie of you. You’ll need a device with a camera to upload these. 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. 
  4. Our partner Mitek will then check your identity by matching you to your Photo ID. Your Photo ID must be a Passport, UK or EU/EEA Driving Licence or an EU/EEA National ID card. We might also ask for a valid proof of address. If you don't have your ID to hand you can finish this step later.
  5. Once they’ve confirmed your identity we’ll activate your account.

Here's what to do next

We’ve made a few changes to how we open joint bank accounts.

The button below takes you to a dedicated page explaining exactly what you need to open your account.

In summary:

  1. You create a joint account by adding the second applicant to an existing account.
  2. You can either add the second applicant to an existing account, or if you’d like a completely new account, one of you can open a new account and then add the second applicant once it’s open. 
Do you have our app on a mobile device?
You can apply using either the mobile app or online banking. The mobile app is easier and quicker as we can prefill some of your information.

Great, let's get started

Just a heads up, you'll need to take a few steps to start your application.  

  1. If you're already using a device with the NatWest app, select the 'Start application' button below. Using a desktop? Simply scan the QR code with your mobile device that has the NatWest app.
  2. Once logged in, select 'Current Accounts'. 
  3. Then choose what type of account you would like to open, change or switch to, and follow the instructions within app to start your application. 

Can't scan the QR code?

Do you have NatWest Online Banking?

Log in to Online Banking

  1. Enter your customer number or 16-digit card number to get started. 
  2. You'll then need to enter your Online Banking pin and password.
  3. Once you're logged in, select 'Current accounts' from the product list. 
  4. Finally, choose the account you want to apply for and complete your application.

Sign up for Online Banking

You’ll need to sign up for Online Banking with us to apply for a current account. The good news is that it normally takes only 5 minutes and all you’ll need is your sort code, account number and your NatWest Debit Card, if you have one.

Select ‘How to register for Online Banking' to start.  

Once you’ve registered, select ‘I am now signed up’ to log in and apply for a Reward account. 

Log in to NatWest Online Banking

  1. Enter your customer number or 16-digit card number to get started. 
  2. You'll then need to enter your Online Banking pin and password.
  3. Once you're logged in, select 'Current accounts' from the product list. 
  4. Finally, choose the account you want to apply for and complete your application.

Forgotten your Online Banking Details?

If you've forgotten your log in details, don't worry, select 'Reset my Online Banking' for further instructions. 

How to download and apply via the app

First, download the app, then:

  1. On your mobile or tablet, open the camera and point your device at the QR code.
  2. Follow the link that pops up to download the app.
  3. Use your details to log in, then select ‘Apply’ at the bottom of the app.

Can't scan the QR code?

Available on selected devices.

Compare alternative current accounts

Select bank account

The everyday, fee-free bank account

Quick to set up, easy to use and zero monthly fees. The Select account is perfect if you want to keep things simple. It’s full of useful saving, budgeting and bill-splitting tools too. 

Must be 18+ UK resident to apply.

Student bank account

Making uni life easier and more affordable

Get an interest-free overdraft to help you pay for uni costs. Plus, a free, four-year student tastecard for discounted restaurant bills, streaming and more.

Specific account eligibility criteria apply. Overdraft subject to eligibility.

Child & Teen bank account

Our under 18's bank account

Our Adapt account (ages 11-17) gives you your own current account and debit card. Or, start out with our Rooster pocket money app for kids, with a prepaid debit card.

Eligibility criteria, fees & charges may apply. T&Cs apply (PDF, 100KB).

Joint bank account

Banking together, made simple

Buddy up with your partner or someone you trust. With our joint account options, you can pool money for bills, mortgages, rent or groceries. It’s easy to switch to NatWest and get shared access to a Select, Reward account or savings account. 

Other ways we could help

Opening a bank account

When you’re opening a bank account there are a few different things you’ll need to hand.

Compare current accounts

Not sure which type of bank account is right for you? We could help you there.

Build a budget

Do you struggle to save money at the end of each month? Our budget calculator could help you.