Open our everyday current account

All kinds of general info about our current accounts. Including details about the Select Account.

Your Current Account Terms (PDF, 268 KB)

Very important information about how your money is protected. Just in case.

FSCS Information Sheet and Exclusions List (PDF, 1.5 MB)

How much our charges will be. From taking cash out abroad to an unarranged overdraft.

Fee Information Document (PDF, 2 MB)

Important basic info about the bank. For example, who regulates us and how to complain (hopefully you won't need that bit).

What You Need to Know (PDF, 371 KB)

Take a look at the switch terms and conditions to see how to get our £175 Switch offer.

Switch Offer Terms (PDF, 1.8 MB)

Identification

Here are the most common proof of ID and address documents we accept when setting up a Select bank account.

Proof of ID documents:

• Driver's licence (UK/EU/EEA).
• UK passport, foreign passport & visa or eVisa Share Code.
• EU and EEA national identity card.

Proof of address documents:

• Driver's licence. 
• UK utility bill (gas, electricity, water, home telephone).
• Bank/building society statement.
• Council tax bill.

Get more details on proof of ID and address

Details we will ask for

If you're opening a bank account and are new to NatWest, we'll ask for information like your:

• full name
• home address
• contact details

We'll also ask about your nationality and tax residency status (which country you pay tax in).

If you already bank with NatWest, you can use your Online Banking details to log in to the application form. We'll then pre-fill some details in the form to make it speedier.

If you're eligible for an overdraft on our Select basic bank account, we'll ask about your finances and monthly take home pay. Have these details ready to speed up the application process.

We make it easy to pay money into Select, with plenty of options available. Here's how to deposit cash into a bank account with NatWest:

• Make a payment from another bank account.
• Move money between NatWest accounts in our mobile app or Online Banking.
• Head to the nearest branch. Use our branch locator to find yours.
• Visit a participating Post Office branch.

There's no maximum limit on the amount you can deposit in an everyday current account.

The Financial Services Compensation Scheme can protect sums of up to £120,000. This scheme compensates customers if a bank or building society goes out of business.

Yes, your account will come with a debit card that will allow you to withdraw cash from ATMs. You can also make payments online and in-store, including contactless payments.

This debit card should arrive within 3-5 working days of your bank account opening.

Download the NatWest app to manage your money, make payments and regularly check your bank account’s balance.

If you’re a new customer, we have to confirm your identity to ensure we’re opening an everyday bank account for the right person. We do this through our trusted online identification and security partner, Mitek.

Mitek can quickly and safely verify people from all over the world using digital footprints, ID document authentication and facial biometrics. It’s not only safer, but also speeds up the application process. So, bank accounts could be opened faster.

This way, we can check you are you, while keeping your details completely safe and secure.

Once you’ve applied for a bank account with us, you’ll get an instant decision. However, if we need more details from you, it can take 3 to 5 days for your UK current account to be up and running.

It's easy to withdraw money from your current account. Just use your debit card at a cash machine. You’ll need to know your PIN to take money from your bank account with a debit card.

It’s also possible to withdraw funds in person from any NatWest branch.

We can change your bank account to Select using the Current Account Switching Service. It means your balance and payments are automatically transferred to your new bank account. So, there's no hard work for you.

To learn more about the process, read our guide on switching a bank account to NatWest.

Banking My Way is a free service that lets you record information about the support or adjustments you need to make banking easier. You can also let us know about any additional support you may need to ensure all our colleagues are aware.

The information will be shared on our internal systems. So, you won't have to repeat those requirements every time you talk to us.

Once your bank account is open, you can record this through Online Banking, with our colleagues in branches, or over the phone.

Learn more about Banking My Way