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.
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.
Everyday banking with NatWest
On-the-go money management
Seamlessly manage your money with our app.
- Easily check your balance as soon as you log in.
- Transfer money quickly between your NatWest accounts
- Cardless cash withdrawals from our ATMs. Criteria applies.
- Create, change, or cancel Direct Debits and standing orders.
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)
How to open a bank account online
- Check your eligibility
Our Select account is for UK residents aged 18+.
- 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 short selfie video. 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.
- Open your bank account online
Once you've got everything you'll need to hand, you can apply online today.
Switch to NatWest
The Current Account Switch Service will do all the work when it comes to switching, moving everything across from your old account to your new account all within 7 working days, including Direct Debits and standing orders. All you need to do is tell us the details of your old bank account and when you want the Switch to start.
We can not switch savings accounts or ISAs through this service. Any other products you have with your old bank will not be moved at the same time.
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
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.