Back to main menu
Search
Search
Overlay
No monthly fee bank account

Open our everyday current account

Switch a bank account to our Select account and you could get our £175 Switch offer. Offer T&Cs apply.

You must be 18+ and a UK resident to apply for our Select account. App available to Online Banking customers with compatible iOS and Android devices and a UK or international mobile number in specific countries.

Switch to us and you could get up to £175

You could get £125 when you apply online or via our app to switch your current account held elsewhere into an eligible Select or Reward account using the Current Account Switch Service and an extra £50 if you open a Digital Regular Saver.

phone £125

1. Switch to us

Don't have a current account with us?  

Simply open an eligible Select or Reward account and switch your bank account to us using the Current Account Switch Service.

Information Message

phone clock

2. Within 60 days of switching

Pay in £1,250

This can be made of multiple payments and must remain in the account for 24 hours.

 

Log in to our mobile app

This can be done on any device that supports the NatWest mobile banking app.

Information Message

3. You're all set

When you've met these conditions, we'll pay £125 into your eligible account within 30 days, provided that your account stays open. 

Information Message

Piggy bank £50

Fancy an extra £50?

Here's how it works:

Open a Digital Regular Saver (DRS) within 60 days of completing your switch to us.  Once you receive your £125, we'll then add another £50 to your DRS within 30 days.

Total earned? £175!

Information Message

Information Message

Specific account eligibility criteria & conditions apply. Monthly account fees may apply. Offers can be withdrawn or amended at any time due to limited availability. Offers T&Cs and restrictions apply.  You are not eligible for these offers if you already have a current account with Royal Bank, if you're switching a current account from NatWest Group (Royal Bank or Ulster Bank NI), or if you've received a switch incentive from NatWest Group before.

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.

Open in new window

Step 2

Your old account will be closed on your behalf. Your balance and payments (like Direct Debits) will be moved to your NatWest account. 

Open in new window

Step 3

The switch is complete. Once you've met our switch offer eligibility criteria, you'll get £125 within 30 days. 

Open in new window

Keep it simple with our everday bank account

Our award winning basic current account helps you manage your money easily, all in one place, with no monthly fee.

Learn more about the key features of the Select account, plus the handy little extras that come with it. Explore your overdraft options and how to apply for a new bank account with NatWest.

Open a bank account today Open in new window

Why choose our everyday current account?

  • Fee-free current account. There's no monthly account fee for this standard bank account.
  • Fraud refund promise. We refund any money paid out of your Select account by a fraudster if you bank online or via the app (if you've kept your security information safe).
  • Get a short-term overdraft if you meet the eligibility criteria. You can explore this option when you apply for a current account.

Award-winning

This everyday account packs a punch, that's why it's award winning.

YourMoney.com voted NatWest as 'Best everyday current account provider' in 2024, plus this current account was given 5 stars by the Defaqto experts in 2024.

Open a bank account today Open in new window

Simple everyday banking with NatWest

Managing your money is a breeze with NatWest's highly rated app.

We're here for you, whether you need support at 3pm or 3am.
Sometimes nothing beats that human touch. Chat to us face-to-face over video (criteria applies) or in branch.
The NatWest app’s home screen is shown with a snapshot of a current account balance. Above the image the mobile app App Store rating (4.6/5) and Google Store rating (4.5/5) are displayed.

On-the-go money management

Seamlessly manage your Select online bank account with our app.

And many more powerful tools to make your everyday easy (criteria may apply).

Apple Store and Google Play Store™ ratings correct as of August 2024.

Instant notifications

Get notified when you spend or receive money.

Set up savings goals

Get help saving towards your next goal.

Round Ups

Save your spare change effortlessly with a linked instant access savings account.

Only available for debit card and contactless payments in Sterling.

Track your spending

See how you spend your money and set up a budget.

How to open a Select bank account online

It's simple to apply for a Select bank account online with NatWest. And you could get an instant decision. Here's how to get started:
  1. Check your eligibility
    Our Select account is for UK residents aged 18+. 
  2. Gather your details
    We might need to verify your identity when opening a bank account online. We'll do this by matching your photo ID to a selfie of you. You’ll need a device with a camera to upload these. We might also ask for other information like proof of address. If you don’t have your ID to hand, you can finish this step later.
  3. Open your bank account online 
    Got everything you'll need? You're now ready to apply for a current account online.
Open a current account Open in new window

Explore your overdraft options

An overdraft is a way of borrowing money from us via your current account and is repayable on demand. If you don't repay what is owed, you could harm your credit score and borrowing capability.

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.

As part of the checks that we will complete to verify your identity, we’ll take an image of your face so that it can be compared with your photo ID and this biometric data is captured.

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?
If you have a current account, credit card, loan or savings account with NatWest please let us know.
Previous
Next
What would you like to do today?
Previous
Next

You're all set

  1. We’ll get to know you better by asking a few questions.
  2. To make sure it’s really you applying, our partner Mitek will check your identity by matching your Photo ID to a selfie of you. You’ll need a device with a camera to do this step. Your Photo ID must be a passport, UK/EU/EEA Driving Licence or EU/EEA National ID card. If you don’t have your ID to hand you can finish this step later.
  3. We may also ask for proof of address, for example a bank statement or utility bill. To see a full list of documents we accept, visit our support page.
  4. Once we’ve confirmed your identity, your new account will be activated.

Please note, a partial switch does not qualify for any switch incentives we may offer. 

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.

In 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. 
Previous
Joint accounts opening
Do you have our app on a mobile device?
You can apply using either the mobile app or online banking. The mobile app is easier and quicker as we can prefill some of your information.
Previous
Next

Here's a few steps to get started

If you're already using a device with the NatWest app, select the 'Start application' button below.

You will need the most up to date version of the app, to make changes to your account. 

To open a new account: 

  1. Once logged in to the app, choose 'Apply' and then current accounts. 
  2. Then choose what type of account you would like to open.

To change your account type or switch into your existing account: 

  1. Once logged in, click into the account you wish to change or switch.
  2. Choose either the 'Change my account type' or 'Switch my account' option. 

Can't scan the QR code?

 

Previous
Start your application
Do you have NatWest Online Banking?
Previous
Next

Log in to Online Banking

  1. Enter your customer number or 16-digit card number to get started. 
  2. You'll then need to enter your Online Banking pin and password.
  3. Once you're logged in follow the below

To open a new account:

  1. Select 'Current accounts' from 'Our Products'. 
  2. Choose the account you want to apply for and complete your application.

To change to a different account type or to switch into your existing account: 

  1. Choose the account you wish to change or switch, click 'Account details'. Then choose either the 'Switch to us form' or review the section 'Want to change to a different type of current account?' to begin your application. 
Previous
Log in now

Sign up for Online Banking

You’ll need to sign up for Online Banking with us to apply for a current account. The good news is that it normally takes only 5 minutes and all you’ll need is your sort code, account number and your NatWest Debit Card, if you have one.

Select ‘How to register for Online Banking' to start.  

Once you’ve registered, select ‘I am now signed up’ to log in and apply for a Select account. 

Previous
I am now signed up

Log in to NatWest Online Banking

  1. Enter your customer number or 16-digit card number to get started. 
  2. You'll then need to enter your Online Banking pin and password.
  3. Once you're logged in follow the below

To open a new account:

  1. Select 'Current accounts' from 'Our Products'. 
  2. Choose the account you want to apply for and complete your application.

To change to a different account type or to switch into your existing account: 

  1. Choose the account you wish to change or switch, click 'Account details'. Then choose either the 'Switch to us form' or review the section 'Want to change to a different type of current account?' to begin your application. 
Previous
Log in now

Forgotten your Online Banking Details?

If you've forgotten your log in details, don't worry, select 'Reset my Online Banking' for further instructions. 

Previous
Reset Online Banking details

How to download and apply via the app

First, download the app:

  1. On your mobile or tablet, open the camera and point your device at the QR code.
  2. Follow the link that pops up to download the app.
  3. Use your details to log in and follow the below.

To open a new account:

  1. Once logged in to the app, choose 'Apply' and then 'Current accounts'. 
  2. Then choose what type of account you would like to open.

To change to a different account type or to switch into your existing account:

  1. Click into the account you wish to change or switch, then select 'Change my account type' or 'Switch my account' to begin your application.

Can't scan the QR code?

Available on selected devices.

Previous
Download app

Select basic bank account - FAQs