Back to the current account hub

Switch offer with Reward

£2 monthly fee.

  • You could get £200 when you switch to Reward. T&Cs apply.
  • £4 a month back in Rewards for paying 2 or more Direct Debits (must be worth at least £2 each).
  • £1 a month back in Rewards with 1 mobile app log in.
  • Earn from 1% back in Rewards at our partner retailers when spending with your NatWest debit card.
  • New: No foreign transaction fees on debit card spend abroad. Not valid for ATM withdrawals. Local fees may apply.
Current Account Switch Guarantee Logo

To apply, you must be 18+ and a UK resident. You also need to pay in £1,250 to an eligible NatWest account every month. You can only hold a maximum of 1 Reward account in a sole name and 1 Reward account in joint names.

Our current account terms and conditions are changing from 01 October. Find out more.

Earn Rewards

Arranged overdrafts

Arranged overdrafts allow you to spend more money than you have in your account to an agreed limit. An overdraft is a form of borrowing and is repayable on demand. It can be useful for short term borrowing.

We'll run a full credit check to determine your overdraft limit. If you don't repay what you borrow, you could harm your credit score and borrowing capability.

Switch to us and you could get £200

Available to new and existing customers who haven’t previously received a switch offer and didn’t hold a NatWest current account as of 06 May 2026.

Specific account eligibility criteria & conditions apply. Monthly account fees may apply. Offer T&Cs and restrictions apply. You are not eligible for this offer if you're switching a current account from NatWest Group (Royal Bank or Ulster Bank NI). This offer may be changed, replaced, or withdrawn at any time. 

Important information

Information Message

By continuing you're confirming you've been provided with, and have acknowledged our important documents, including the FSCS information sheet.

All okay?

Apply for a bank account online today.

To speed up your application for our Reward account, we need to do a few final checks with you. They'll only take a minute.

Continue
What would you like to do today?
Continue
Previous question
Do you have a current account with us?
Continue
Previous question

You're all set

We'll open up the application form in your phone's web browser.

It will be pre-populated with your details, so won't take long to complete.

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

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. Our partner Mitek 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.
  3. Once they’ve confirmed your identity we’ll activate your account. 

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. 

Changing your account to a Reward

To continue with changing your existing account to Reward, follow the steps below.
 
  1. Head back to your mobile app home screen.
  2. Select the account you wish to change.
  3. Once selected, go to ‘Change my account type’ to find options for changing.

If you're a non-UK resident, we can only offer to change your bank account to our Select account.

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

Back to the current account hub