Our free bill splitting app

What is Housemate?

Our bill splitting app, Housemate, is here to help with problems that might crop up when sharing household expenses.

You don't have to bank with us to use Housemate. As long as you have an eligible UK bank account, Housemate can help make payments easier using Open Banking and even help you plan for the future by recognising your rent payments to build your history with our partner Experian.

How does Housemate work?

Ready to get Housemate, our free bill splitting app?

You don't have to bank with us to use Housemate. Simply download it on the App Store (iOS) or Google Play (Android). Register, add your bank account and invite your housemates in the time it takes to make a cuppa!

We're here for every housemate

Your credit history

What is it?

Your credit history contains all the information held on how you’ve managed credit in the past. Your credit score is a numerical representation of your credit file and predicts the likelihood that you’ll pay your credit on time in the future. 

Why does it matter?

The more comprehensive your credit history and in turn score, the more likely you are to be accepted for a wide range of financial products such as loans, mortgages, credit cards and other common household bills including phone and energy contracts. 

How could Housemate help?

Using Housemate will not directly improve your credit score but it can help build your history with our partner Experian. Our rent recognition feature allows you to share your rent payments with Experian (currently only available in England & Wales). The more data you have in your credit file, the more likely it is that lenders will be able to identify you if you apply for credit.

Important documents to read

Please take some time to review the Housemate privacy notice and terms & conditions.

Housemate privacy notice

Your right to privacy and online security is important. This privacy notice applies to all personal information processing activities carried out by the NatWest Housemate App.

Housemate terms & conditions

By registering and using Housemate you’re agreeing to be bound by these terms, together with our Privacy Policy, so it’s important that you read them before you accept them.

Helpful guides

Whether you’re about to rent for first time or thinking about buying your own place, we’ve got useful tips to help you on your way.

Student living

Did you know rent is the biggest expense facing students in the UK? Luckily, we have tips to help you sort your budget.

Key renting considerations

It’s always good to know what’s ahead of you. Learn more about renting, from costs and fees to knowing your rights.

Becoming a homeowner

It’s a big step but we have everything you need to know. From saving for a deposit to stamp duty to the mortgage application process.

Looking for something else?