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 fee-free debit card purchases abroad.

Worldwide travel insurance (with COVID cover)

Family travel insurance that covers you and your eligible 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 AWP P&C SA and administered by AWP Assistance UK Ltd trading as Allianz Assistance.

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 Aviva Insurance 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

Enjoy savings on cinema tickets at over 250 cinemas nationwide.


If you love eating out, you’ll love this offer: 2 for 1 meals, 50% off food or 25% off food and drinks 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.

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.

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?

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.

Change 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?

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. 

As you're changing your existing account to another, you'll: 

  • Keep your existing sort code, account number and debit card. Your existing standing orders and direct debits will stay the same.
  • Retain your arranged overdraft limit​.
  • See no impact to your credit rating​.

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.