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.

Travel service

You could save money on holidays, airport parking, baggage allowance and more.
  • Enjoy 10% discount on holidays, hotels, car hire and more.
  • Receive 5% discount when you book a cruise.
  • Airport lounge access for 2 with any flight or holiday booking.

Spending abroad

No non-sterling transaction fees when you buy with 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.
  • Not valid for ATM withdrawals. Other local fees may apply

Other features and benefits


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, you’re sorted, the AA will get you and your vehicle home or to your preferred location, anywhere in the UK, if they can't get your vehicle going again. Provided by Automobile Association Developments Limited (trading as AA Breakdown Services).


Cinema discount

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


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.


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.

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

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)


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?

Switch offer

Changing your existing account doesn't qualify you for our switching offer.

To qualify, you need to switch and close a current account held with another bank to your NatWest account. See our Switch page for more information.


If you're happy to change your account to Reward Platinum please continue.

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.

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.