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Packaged bank accounts

Upgrade to a Reward Platinum account

Get even more with our Reward Platinum account

  • Earn Rewards that you can redeem as cash, gift cards or e-codes with our retail partners.
  • Mobile phone insurance.
  • UK car breakdown cover.
  • Worldwide family travel insurance.
  • Fee-free debit card purchases abroad.
  • Choose your way to pay with Apple Pay, Google Pay™ or Contactless Debit Card. Limits apply.

£20 monthly fee.

Our packaged bank accounts come with travel insurance and more

Travelling this summer? We've got you covered with benefits such as travel insurance and holiday discounts.

Worldwide travel insurance (with COVID cover)

Family travel insurance that covers you, your partner, and dependent children for trips up to 31 days. It includes emergency medical expenses, cancellations, baggage and more.

Worldwide travel insurance is underwritten by U K Insurance Limited.

Use your debit card abroad

Use your debit card for purchases anywhere in the world, in any currency, without worrying about charges for using your card abroad.

There is no non-sterling transaction fee when using your Reward Platinum debit card outside the UK.

Cash withdrawals abroad

Cash is accepted everywhere, from food and drink to taxi fares. Sometimes it’s good to have cash on you, however getting money from a cashpoint abroad can come at a cost. You’ll most likely be charged a non-sterling transaction fee.

If you choose for the transaction to be converted into Sterling at the point of sale or withdrawal, we'll not charge a non-sterling transaction fee, however the transaction handler may charge you a separate fee.

Discover savings on holiday packages, airport parking and much more

Our travel service allows you to access a range of travel agencies in one place, to find the best holiday for you. You can save money on holidays, airport parking, baggage allowance and more.

Features and benefits

Rewards

Earn Rewards

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.

Exchange Rewards

Once you reach £5 in Rewards, the choice is yours. Bank it into your NatWest bank account, trade up for gift cards and e-codes with our retail partners, or donate to one of our chosen charities.

Travel insurance

Do you love to travel? Our worldwide travel insurance covers you and your family for trips of up to 31 days. The policy also includes winter sports and £10 million medical expenses cover. Underwritten by U K Insurance Ltd.

Travel services

Our travel service allows you to access a range of travel agencies in one place, to find the best holiday for you. You can save money on holidays, airport parking, baggage allowance and more.

Fee-free debit card purchases abroad

No Non-Sterling Transaction fee when you use your Reward Platinum debit card abroad.

Insurance

Mobile phone insurance

When bad things happen to your mobile, you need good cover. Our mobile phone policy covers loss, theft, accidental damage and breakdown (once your manufacturer’s warranty has expired). Underwritten by American International Group UK Limited.

UK car breakdown cover

If your car breaks down away from home, you’re sorted. Our partners Green Flag will get you and your vehicle home or to your preferred location, anywhere in the UK. Underwritten by U K Insurance Limited.

Lifestyle

Cinema discount

Take advantage of up to 40% off the price of cinema tickets.

Tastecard

If you love eating out, you’ll love this offer: get 2 for 1 or 50% off your food bill at thousands of restaurants UK wide.

Banking with us

Mobile app

Stay in control of your money with our easy to use Mobile Banking app.

Our range of savings accounts

We have a range of savings accounts available to our current account holders.

Switch to NatWest

Move everything across from your old account to your new account within 7 working days using the Current Account Switch Service.

This service is only available to switch Current Accounts. 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?

An arranged overdraft is available with this account (subject to eligibility).

An overdraft is a form of borrowing and is repayable on demand. It can be useful for short term borrowing.

To apply for or amend an overdraft on your account visit our Overdraft pages.

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.

Upgrade your account today

Before we begin your application for a Reward Platinum account, we need to do a few final checks with you. First things first. You can apply if you:

  • are aged 18 or over and a UK resident
  • already have a NatWest current account
Do you already have a current account with NatWest?
What would you like to do today?
Which account would you like to change?

You're all set

During the application, you'll need:

  • The account number and sortcode of the current account you want to change. You can find these in your app/online banking.

You're all set

During the application you'll need:

  • The account number and sort code of the current account you want to change. You can find these in your app/online banking.

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. 

Compare our current accounts

We're sorry but you must have an existing NatWest current account to upgrade to a Reward Platinum.

Our Select and Reward accounts are available to new customers. If you still like the look of our Reward Platinum account you can come back and upgrade later.