Bank accounts

Open a Reward bank account

Get our £200 offer when you switch to our Reward bank account

  • 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 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 Offer can be withdrawn or amended at any time.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)

Current Account Switch Guarantee (PDF, 39KB)

A Guide to Switching Current Accounts (PDF, 3MB)

What happens when you switch?

Step 1

We'll send a request to your old bank to confirm the switch and we'll keep you updated every step of the way.

Step 2

Your old account will be closed on your behalf.  Your balance and payments (like Direct Debits) will be moved to your Natwest account.

Step 3

The switch is complete. Once you've met our Switch Offer eligibility, you'll get £200 within 7 working days.

Why choose a Reward account?

Earn from 1% in Rewards that you can redeem as cash back, gift cards or e-codes with our retail partners.

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 our retail partners: Caffe Nero, EuropCar, Barrhead Travel, Boux Avenue and ATG Tickets.

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

Exchange Rewards

For cash back, gift cards and more

Once you reach £5 in Rewards, the choice is yours. You can redeem it as cash back, trade up for gift cards and e-codes with our retail partners, or donate to one of our chosen charities.

How to exchange your Rewards

As soon as your available Rewards balance is the equivalent of £5 or more, you can log in to MyRewards to exchange them. Keep in mind, if you choose to bank your Rewards it will take 5 working days to clear.

To login, you first need to set up your MyRewards account. You'll need your NatWest debit card number on hand.

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

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.

All okay? You’re nearly ready to start.

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.

What would you like to do today?
Do you have a current account with NatWest?
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 driver's license, 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.

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.

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. 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.
  3. 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.

As a 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. 
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.

If you're a non-UK resident we can only offer to change your bank account to our Select account.

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.

If you're a non-UK resident we can only offer to change your bank account to our Select account.

Get started on your switch

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. 

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.