Switch in or change your account to a Reward Silver

£100 offer details

Simply request to switch an external account into your existing Reward Silver account via our website before 5pm on the 2nd of December 2021.

Once your switch is initiated, the Current Account Switch Service will automatically move your existing payments and close your old account within 7 days.

Pay in at least £1,500 in total and log in to our Mobile Banking app or Online Banking by the 13th of January 2022, and your first £100 will be paid in to your account by the 11th of February 2022.

Extra £50 offer details

Once qualified for the £100 payment, make 10 eligible debit and/or credit transactions (excluding interest, fees and charges) on your account every calendar month between January & September 2022. After that we’ll give you the extra £50 by 30th November 2022.

Offer also available on other NatWest accounts. We may end this offer at any time, and to be eligible you must apply online.

if you’ve had any cash back for switching to us (or Royal bank/Ulster Bank) since October 2017, you won’t be eligible for this offer.

Switch & Stay offer terms and conditions (PDF 63.5KB)

Current Account Switch Guarantee (PDF 39KB)

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

Ready to Switch

You can also earn 1% back in Rewards when you spend with our retail partners: Caffe Nero, EuropCar, Barrhead Travel, Boux Avenue, P&O Ferries and ATG Tickets.

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

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.

The policy covers you and joint account holders.

If anyone covered by the policy is aged 70 or over, you must get in touch each year to obtain cover. You will need to pay an annual premium of £75 per person insured aged 70 or over and be medically screened.

In addition, if anyone covered by the policy, regardless of age, has a medical condition, you may need to pay an additional premium or accept that your cover may exclude certain conditions.

Please call 0345 601 5219 (Relay UK: 18001 0345 601 5219) or confirm your premiums and cover online. 

If our insurers U K Insurance Limited (UKI) are unable to offer you an upgrade to extend the level of cover you need, or your upgrade insurance premium is higher than you expected because you have medical conditions, help could still be available.

UKI have been working with the Financial Conduct Authority and the Money and Pensions Service to create a directory that you can search when UKI are unable to help.

Money Advice Service Directory

Telephone: 0800 138 7777 | Relay UK: 18001 0800 138 7777

Monday to Friday, 8am to 6pm | Saturday, Sunday and Bank Holidays, closed

Order in advance online or over the phone. Orders must be through Membership Services to receive preferential rates. Minimum order of £100 applies, maximum £2,500.

Use your Reward Silver debit card for purchases anywhere in the world without the worry of incurring extra charges or carrying around lots of cash.

No Non-Sterling Transaction fees when you make a payment outside the UK or payment in a foreign currency.

Not valid for ATM withdrawals. Other local fees may apply.

Covers the phone you use on a daily basis.  If your account is in joint names, cover is also provided for the phone the other account holder uses on a daily basis.  There is no cover for phones owned by your employer.

1 approved claim can be made in any 12-month period.  If this is a joint account, each account holder can make 1 approved claim, with a maximum of 2 per account.

Claims are settled by repairing your phone, where possible. If we are unable to repair your phone, or it has been lost or stolen, we will replace it.  Our replacement phones are refurbished handsets in ‘as new’ condition using genuine manufacturer parts. Our repairs use genuine manufacturer or manufacturer quality parts.

There is a £100 excess for each approved claim when your phone is replaced or if you mail it to us to be repaired.

There is a £50 excess for each approved claim when you choose our convenient walk-in or mobile repair options.

Replacement phones and phones mailed to us for repair include a 12-month warranty. Phones repaired by our mobile or walk-in repair agents include a 24-month warranty. 

Buy online through membership services and take advantage of up to 40% off the price of cinema tickets.

Valid at over 250 UK cinemas including Vue, ODEON and Showcase.

Any day, any time, any film.

Some restaurants may exclude tastecard use on Friday or Saturday evenings, Mother’s Day, Father’s Day, Valentine’s Day, the whole of December and potentially other "event" type days.

Where restaurants offer 50% off they may limit the number of people; where restaurants offer 2 for 1 this does not include side dishes or extras.

Some restaurants require the customer to book prior to arriving.

Our mobile app is available to Online Banking customers with a UK or international mobile number in specific countries.

What can you get up to with our mobile app?

Log in with your fingerprint on selected Apple and Android devices– it’s simple, secure and fast.

View, cancel and amend your regular payments – so you manage your bills where and when it suits you. Limits apply.

Easily pay family and friends using their mobile number - (as long as they have our mobile app or are registered for Paym). Pay Your Contacts makes it quick and easy, and they’ll get the money instantly. Limits apply.

Get cash without your card – Ideal if you’ve left your card at home. Simply go to any NatWest or Tesco cash machine and follow the steps in the app. You can withdraw up to £130 every 24 hours.

That’s only half the story. Find out what else you can do. More about Mobile app.

Whether you're new to saving, or more of an expert, our Savings Hub is designed to help you find the savings account that best suits your needs. We have a range of accounts which you could have access to if you open a current account with us.

View all savings accounts

Individual account eligibility criteria and conditions may apply.

Get rewarded for saving regularly

We've just added Digital Regular Saver to our range of savings accounts. You'll get our highest interest rate when you save between £1-£50 by standing order each month, on balances up to £1000. What are you waiting for?

View our Digital Regular Saver

Specific account eligibility criteria and conditions apply.