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NatWest mobile app and bank card shown with Current Account Switch Guarantee logo overlaid on top.
No monthly fee bank account

Open our everyday current account

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.

Get our £200 offer when you switch to NatWest

Apply online or via our mobile app to switch a current account held elsewhere using the Current Account Switch Service into a NatWest bank account from 15 February 2024.

Deposit £1,250 into your account and log in to our mobile banking app within 60 days. App eligibility criteria apply. 

When you meet these conditions, we'll pay £200 into your eligible account within 7 days

Your switch must fully complete to receive the incentive, this means your old bank account will close and any funds and Direct Debits will move over to us. The deposit of £1,250 can be made up of multiple credits and must remain in the account for 24 hours. If you've previously received a switcher incentive from NatWest Group since 01 January 2020, you will not be eligible for this offer. Offer can be withdrawn or amended at any time.

Switch offer T&Cs apply (PDF, 166KB)

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

How does the Current Account Switch Service work?

Mobile Banking App

Keep it simple with our basic 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.

Why choose our everyday current account?

  • Fee-free current account. No monthly account fee plus free local cash withdrawals.
  • Fraud refund promise. We refund any money paid out of your 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.
Image of a gold YourMoney.com Awards 2022 winner’s medal.

Award-winning

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

YourMoney.com voted NatWest as 'Best everyday current account provider', plus this current account was given 5 stars by the Defaqto experts in 2022.

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.

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. 

Step 3

The switch is complete. Once you've met our switch offer eligibility criteria, you'll get £200 within 7 days. 

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 money with our app.

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

App Store and Google Play Store™ ratings correct as of 26th of May 2022.

The app with the expected and more (criteria may apply)

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.

Track your spending

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

How to open a bank account online

It's simple to apply for a 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. Dig out what you'll need to apply
    We might need to verify your identity when you apply 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.  We'll do this by matching your photo ID to a short selfie. 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
    Once you've got everything you'll need to hand, you can apply online today. 

About overdrafts

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.

Basic bank account - 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

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.

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

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. We might need to verify your identity when you apply 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. 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.
  4. Once they’ve confirmed your identity we’ll activate your account.

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

Do you have our app on a mobile device, that you can access now?
If you're registered for our app on one of your devices, we can pre-fill some of your info, making the application process faster.

Great, let's get started

Just a heads up, you'll be asked to log into our app to start your current account application.

Using a desktop? Simply scan the QR code with your mobile device that has the NatWest app and we'll get you started.  

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

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

Do you have NatWest Online Banking?

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, select 'Current accounts' from the product list. 
  4. Finally, choose the account you want to apply for and complete your application.

Let’s get you signed up for Online Banking

You’ll need to sign up for Online Banking with us in order 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.

Once you’ve registered, select ‘Next’ to log in and apply for a select account. 

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, select 'Current accounts' from the product list. 
  4. Finally, choose the account you want to apply for and complete your application.

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. 

You're all set

During the application, you'll need the account number and sort code of the 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.

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

Get started on your switch

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.

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