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The switch worth making
Switch to NatWest and you could get £150 and access to a 12 month fixed bonus rate if you open a Digital Regular Saver account.
Offer available to new and existing customers who haven't previously received a switch offer and did not hold a NatWest current account or savings account as of 17 February 2026.
How to get £150
1. Open a current account and switch to us
- Apply for a Select or Reward account and request to switch an account with another bank to us using the Current Account Switch Service by 28 May 2026.
- Your switch must be completed by 16 June 2026.
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.
3. You're all set
When you've met these conditions, we'll pay £150 into your eligible account within 30 days.
How to unlock our bonus rate
Once you've opened your current account, you must open a Digital Regular Saver by 16 June 2026. To be eligible for the bonus rate, you need to complete your switch to us.
- 7% AER
This includes 5.25% / 5.13% AER/Gross p.a. (variable) on balances up to £5k plus a conditional bonus of 1.75% AER (fixed) for 12 months. Interest paid monthly. - 1.00% AER/Gross p.a. (variable) on balances over £5,000.
There’s no need to wait for your £150 incentive to be paid.
Why choose a Digital Regular Saver?
- Save between £1 and £150 each month - you're in control.
- Instant access to your savings whenever you need them.
- Perfect for building regular savings habits, whether you're starting small or levelling up your savings goals.
Everyday bank account
The basic everyday bank account that helps you take action, also known as our Select account.
- Eligible for our Switch offer.
- No hassle: it's easy to set up and use this basic bank account. And there's zero monthly fee.
- Save the change: watch the pennies add up (and up and up) with Round Ups and a linked instant access savings account. Criteria apply.
- Check how you're doing: monitor your progress with spend tracking and budgeting.
- Your day-to-day made easy: with Split the Bill, 24/7 support, and cardless cash withdrawals. Criteria and limits apply to these bank account features.
Must be 18+ and UK resident to apply.
Reward bank account
Get money back on your everyday spend for only £2 a month.
Eligible for our Switch offer.
Earn £4 a month in Rewards for 2 or more Direct Debits of at least £2.
Earn £1 a month in Rewards just by logging into our mobile app.
Earn from 1% back in Rewards when you spend at our partner retailers.
Exchange Rewards as cash back into your bank account or e-gift codes with our retail partners.
Must be 18+, UK resident, and pay in £1,250 to an eligible NatWest account every month. T&Cs apply.
Children's and teen accounts
Looking for a kid's bank account?
Adapt account (11-17 year olds)
- Current account with a contactless debit card for 11-17 year olds.
- Earn 1.85% AER / 1.83% Gross p.a. (variable) interest on your balance. Interest is calculated daily and paid monthly.
- Apple Pay (if you're 13+) and Google Pay™ (if you're 13+). Limits apply.
Rooster Money (3-17 year olds)
- Parent-managed pocket money app for 3-17 year olds.
- Set allowances and track your kids' spending and saving.
Eligibility criteria, fees & charges may apply. T&Cs apply (PDF, 100KB).
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Student bank account
A current account to make student life easier
4-year tastecard with our Student bank account. Offer T&Cs apply.
18 or older? Interest-free overdraft - get an overdraft of up to £2,000 from year one (limited to £500 in term one year one), with an instant online decision. Students can apply for up to £3,250 interest-free from year three onwards.
Fee free.
Specific account eligibility criteria apply. Overdraft subject to eligibility.
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Premier accounts
Starting from £0 a month
Open a bank account and get access to dedicated support, financial planning and a range of benefits that could make your life easier.
Specific account and Premier eligibility criteria apply. Fees may apply to specific products and services.
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Joint accounts
Share your banking
A joint bank account could make sense if you're looking to share your Select or Reward account with someone you trust.
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Foundation account
A straightforward current account
If you're not eligible for the bank account you are applying for, you might be offered the Foundation account instead. You can't apply directly for this current account.
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Ukrainian refugee account
Let's get you set up with a UK bank account
We've set up a new account opening process for you. Choose from the languages below to find more details and eligibility criteria.
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Reward Silver
£10 monthly fee
- European travel insurance.
- Mobile phone insurance.
- Fee-free foreign card purchases.
- Plus, all the benefits of the Reward current account.
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Reward Platinum
£22 monthly fee
- Worldwide travel insurance.
- UK car breakdown cover.
- Includes all Reward Silver current account benefits too.
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Business bank accounts
Whether you’re just starting out in business, or have been running a company for longer, we could have an account to help you go further and do more.
There’s support from business experts, specialist programmes to help you grow, and expertise to tap into so you can succeed.
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Business bank accounts are available to eligible customers who are over 18. Specific account and service eligibility criteria apply.
Bank whenever, wherever with our mobile app
Easy, secure, quick banking with our highly rated app.
Secure login using your fingerprint or facial recognition on selected devices.
Freeze and unfreeze your card whenever you need.
Turn on Round Ups to save money effortlessly from your current account into an eligible savings account.
Use Split the Bill to get your mates to pay you back for that lunch.
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Our app is available to personal and business banking customers aged 11+ using iOS and Android devices. You'll need a UK or international mobile number in specific countries.
App Store and Google Play Store™ ratings correct as of August 2024.
Switch to NatWest
With another bank? Switching bank accounts is easy. The Current Account Switch Service will move everything from your old account over to us in 7 working days.
Let us know in your application if you want to switch bank accounts and when to get the ball rolling. Click the links below to find out more.
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Protecting your money
Eligible deposits with us are protected up to a total of £120,000 by the Financial Services Compensation Scheme (FSCS), the UK's deposit guarantee scheme.
Read the FSCS Leaflet (PDF, 665KB) to find out more.
How we protect you
Find out more about how we protect your money everyday. Visit our Security Centre to support you stay safe and avoid scams when banking with us.
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Supporting our customers
See how we've performed in key service areas and view details on how we support all personal banking customers.
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