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Our Select account

Open our everyday bank account

To apply for this account, you must be 18+ and a UK resident

On this page
Switch to NatWest
About this account
Mobile app features
Overdrafts
Frequently asked questions
Ready to apply

Why choose our everyday bank account?

Monthly fee-free banking. Other fees may apply.

Easily manage your account anywhere, anytime with our mobile banking app.

Pay however you want to with Apple Pay, Google Pay™ and Contactless Debit Card. Limits apply.

Arranged overdrafts are available too. Subject to eligibility. For more information, see our Overdraft details section below.

A basic bank account that gives you more

The Select account is a bank account that’s free from a monthly fee, which you can open online.  It comes with access to more than you might expect.  It’s these little extras that make this basic bank account, and all our bank accounts, brilliant.

Check your credit score for free

Get on top of your finances by regularly monitoring your credit score in our app.

Available once opted in through the app to customers aged 18+ with a UK address and is provided by TransUnion.

Learn more about checking your credit score

Pay in cheques securely

Just take a photo of the front and back of the cheque using our app and the money will be paid into your account.

Limits apply.

Take a look at how to pay in cheques using the app

Use biometric approval to confirm it's really you

Use your face to approve your everyday banking needs and keep your accounts even more secure.

Available to eligible mobile app customers aged 16+.

Find out how you can use your face as your password

App available to customers aged 11+ with a compatible iOS and Android devices and a UK or international mobile number in specific countries.

How to switch to NatWest

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

You can request the switch during your online application. Just tell us the details of your old bank account and when you want the switch to start. It's that simple.

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.

What happens when you switch?

Step 1

We’ll send a request to your old bank to confirm the switch and we’ll keep you updated every step of the way.
Current Account Switch Guarantee (PDF, 39KB)

Step 2

The account you’re switching from will be closed on your behalf and your balance and payments (like Direct Debits) will be moved to your NatWest account.
A Guide to Switching Current Accounts (PDF, 3MB)

Step 3

The switch is complete. Your old bank will make sure that any payments made to your old account are redirected to your NatWest account.
Ready to switch

Overdraft details

How do overdrafts work?

An arranged overdraft can be useful for short term borrowing. Understand arranged and unarranged overdrafts and their impact on your account. An overdraft is a form of borrowing and is repayable on demand.

How much will an overdraft cost?

Understand the cost and impact of overdrafts and whether you're eligible to apply for one. If you don't repay what is owed, you could harm your credit score and borrowing capability.

Open a bank account online - FAQs

Get ready to apply

Before you apply for a bank account with us, we need to check you're happy with a few things. And ask you a few questions up front. Then we can make your application as quick and simple as it can be.

First things first. You can apply if you:

are aged 18 or over and a UK resident
 

Now please take a look at the important legal info

If you carry on applying, it means you're happy with what's in these documents, including the FSCS information sheet. And happy to view your statements in Online Banking - not posted. Please take some time to review, print and/or save the important information.

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.

All okay? Apply for a bank account online today.

To speed up your application for our Select account, we need to do a few final checks with you. They'll only take a minute.

Continue
Do we already know you?
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What kind of account do you want?
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You're all set

Your application will be completely online, and you won't need to post us any information or visit a branch.

 

  1. Tell us a bit about yourself and we’ll set up your account.
  2. Our partner HooYu will then check your identity by matching you to your Photo ID. Your Photo ID must be a Passport, UK or EU/EEA Driving Licence or an EU/EEA National ID card. We might also ask for a valid proof of address. If you don't have your ID to hand you can finish this step later.
  3. Once they’ve confirmed your identity we’ll activate your account. 
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Here's what to do next

We’ve made a few changes to how we open joint bank accounts.

The button below takes you to a dedicated page explaining exactly what you need to open your account.

As a summary:

  1. You create a joint account by adding the second applicant to an existing account
  2. You can either add the second applicant to an existing account, or if you’d like a completely new account, one of you can open a new account and then add the second applicant once it’s open. 
Joint accounts opening
Do you have a current account with NatWest?
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What would you like to do today?
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Do you know your Online Banking details?
If you log in to Online Banking we can pre-fill some of the application for you.
Previous
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What kind of account do you want?
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Next

You're all set

You’ll need to login with your Online Banking details at the start of the application, so make sure you have them handy.

Previous

Here's what to do next

We’ve made a few changes to how we open joint bank accounts.

The button below takes you to a dedicated page explaining exactly what you need to open your account.

As a summary:

  1. You create a joint account by adding the second applicant to an existing account
  2. You can either add the second applicant to an existing account, or if you’d like a completely new account, one of you can open a new account and then add the second applicant once it’s open. 
Joint accounts opening

Please register for Online Banking

To help kick-start your application, we'll need you to register for NatWest Online Banking. If you've forgotten your login details you can re-register via the same process..

You'll need your bank account sort code and account number, and your NatWest Bank debit card if you have one.

The good news is that it normally takes about 5 minutes to register.

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Which account would you like to change?
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You’re all set

During the application, you'll need:

  • The account number and sort code of the account you want to change

As you're changing your account, the account details and debit card will stay the same. Just to make life easier for you.

If you're a non-UK resident, once your account has changed to a Select account you'll be unable to upgrade to any Reward accounts.

Previous

You’re all set

During the application, you'll need:

  • The account number and sort code of the account you want to change

As you're changing your account, the account details and debit card will stay the same. Just to make life easier for you.

If you're a non-UK resident, once your account has changed to a Select account you'll be unable to upgrade to any Reward accounts.

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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. 

Previous
Do you know your Online Banking details?
If you log in to Online Banking we can pre-fill some of the application for you.
Previous
Next
What kind of account do you want?
Previous
Next

You're all set

Depending on what ID we need to see, we may ask you for:

  • Photo ID, such as driving licence, Passport or EU ID card
  • Proof of your address, such as a utility bill, bank statement or driving licence

Look out for an email and text after you have applied from our security partners, DigiDocs. It'll have a link to securely upload your documents for us to check.

Previous

Here's what to do next

We’ve made a few changes to how we open joint bank accounts.

The button below takes you to a dedicated page explaining exactly what you need to open your account.

As a summary:

  1. You create a joint account by adding the second applicant to an existing account
  2. You can either add the second applicant to an existing account, or if you’d like a completely new account, one of you can open a new account and then add the second applicant once it’s open. 
Joint accounts opening
What kind of account do you want?
Previous
Next

You're all set

Depending on what ID we need to see, we may ask you for:

  • Photo ID, such as driving licence, Passport or EU ID card
  • Proof of your address, such as a utility bill, bank statement or driving licence

Look out for an email and text after you have applied from our security partners, DigiDocs. It'll have a link to securely upload your documents for us to check.

Previous

Here's what to do next

We’ve made a few changes to how we open joint bank accounts.

The button below takes you to a dedicated page explaining exactly what you need to open your account.

As a summary:

  1. You create a joint account by adding the second applicant to an existing account
  2. You can either add the second applicant to an existing account, or if you’d like a completely new account, one of you can open a new account and then add the second applicant once it’s open. 
Joint accounts opening
What kind of account do you want?
Previous
Next

You're all set

Depending on what ID we need to see, we may ask you for:

  • Photo ID, such as driving licence, Passport or EU ID card
  • Proof of your address, such as a utility bill, bank statement or driving licence

Look out for an email and text after you have applied from our security partners, DigiDocs. It'll have a link to securely upload your documents for us to check.

Previous

Here's what to do next

We’ve made a few changes to how we open joint bank accounts.

The button below takes you to a dedicated page explaining exactly what you need to open your account.

As a summary:

  1. You create a joint account by adding the second applicant to an existing account
  2. You can either add the second applicant to an existing account, or if you’d like a completely new account, one of you can open a new account and then add the second applicant once it’s open. 
Joint accounts opening

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