Unlock your Reward Black account benefits

A £36 monthly fee applies to this account.

Time to explore your benefits

Read about each of your benefits, make a claim and view your usage history.

Premier Black app

Access your travel and entertainment benefits in the palm of your hand. 

What you'll need to use our Black account app:

  • your Black account number and sort code; and
  • your personal details – full name and date of birth.

If you’ve just opened your account, we recommend waiting at least 24 hours before signing up.

App available to customers registered with Membership Services. Available on iOS 11 and Android 6.0 (and above).

Premier Reward Black benefit Annual value
Worldwide travel insurance £965
UK & Europe AA car breakdown £352
Worldwide airport lounge access £379
Mobile phone insurance £220
Other benefits £425
Rewards £120
Total annual benefit value £2,461
Information Message

All values estimated over a one-year period, excluding any promotions and account fees. Values calculated February 2026.

Your travels, our priority

Enjoy extra perks designed to help you travel in style.

Worldwide family travel insurance

Whether it’s a weekend away or a dream holiday, your journeys matter. Wherever you’re going, we’ll be there every step of the way. Underwritten by AWP P&C SA and administered by Allianz Assistance, the closest equivalent cover costs an average £965 for family cover.

 

Prices include Insurance Premium Tax. Market comparison conducted 3rd February 2026. Family price based on Worldwide cover for two adults aged 40 years old and two children aged 13 years old with no pre-existing medical conditions.

No foreign transaction fee when spending abroad

Use your debit card for purchases anywhere in the world without the worry of incurring extra charges.

Worldwide airport lounge access

Your account comes with DragonPass Premier+ membership, giving you unlimited access to over 1,100 international airport lounges, including over 40 in the UK.

 

You can also take advantage of security Fast Track through the DragonPass Premier+ app at over 190 lanes, in over 90 airports across 29 countries. Fees apply, and vary by location.

 

If bought direct, DragonPass costs £379 a year (benefits and prices can vary).

European & UK car breakdown cover

When a roadside fix isn’t an option, the AA can help get you back on your way. Similar cover costs an average of £352 a year.

 

This is the starting price for cover for an individual person for UK and European roadside assistance, national recovery, onward travel and assistance at home. Individual circumstances and prices will vary.

Looking for extra protection? It’s included

Your Premier Reward Black account gives you a variety of insurance benefits, helping you feel secure and well-prepared every day.

Mobile phone insurance

Cover against loss, theft or damage to your mobile phone. Policy underwritten by Aviva Insurance Limited. Similar cover for an iPhone 15 Pro Max or a Samsung S23 Ultra with Vodafone Insurance costs £220 a year (per account holder).

No two mobile insurance policies are identical. We checked the Vodafone Insurance website on 3rd February 2026.

Home emergency service

Emergency cover for your home, day or night. Underwritten by U K Insurance Limited, their closest equivalent cover costs on average £60 a year, when purchased as an addition to a home insurance policy.

Unlock lifestyle benefits with your account

Services, discounts, and valuable extras to support your lifestyle goals.

Black account concierge service

 

Secure premium tickets to sold-out concerts, theatre shows, and sporting events

Reserve tables at the most in-demand restaurants globally, with complimentary perks

Source personalised gifts and deliver them with signature concierge style

Curate exceptional travel experiences, from staycations to far-flung retreats

Enjoy complimentary access to art fairs, lifestyle events, and concierge exclusive event series ‘The Book Club’

 

The equivalent value of engaging the concierge service once every other month for a variety of requests is, on average, £250 a year.

 

Get started through Membership Services

Black account ticket service

 

Receive 25% cashback on tickets for theatre, dance, opera, concert performances and more throughout the UK and Ireland. Your cashback will be paid into your Premier Reward Black account within 30 days of your booking.

Order up to six tickets through the booking service for each event, up to four bookings a year.

 

For example, three tickets to The Devil Wears Prada musical at the Dominion Theatre, London on a Friday evening in the dress circle middle – E26, Row E, would give you £72 cashback. Value calculated in February 2026.

 

Register online through Membership Services

Cinema discount

Enjoy savings on cinema tickets at over 250 cinemas nationwide. Three peak bookings (Friday to Sunday) three times a year at an ODEON cinema for two adults and one child, including booking fees, could save up to £43 a year.

Saving is based on visiting a standard Coventry ODEON cinema and redeeming eCodes on the cinema’s website. Value calculated in February 2026.

Your everyday habits can earn Rewards

Earn Rewards for paying direct debits, spending with your debit or credit card, or logging in to the mobile app regularly.

Want to change your account?

To change your existing account type or switch into your existing account, click back to your mobile app home screen and select the relevant account. Here you will find options for changing and switching.

 

Want to change your account?

To change your existing account type or switch into your existing account, click back to your mobile app home screen and select the relevant account. Here you will find options for changing and switching.

 

Switch to NatWest

To switch a current account held elsewhere to your existing account using the Current Account Switch Service, click back to your mobile app home screen and tap the relevant account. Here you will find options for switching.

How does the Switch Service work?

Switch to NatWest

To switch a current account held elsewhere to your existing account using the Current Account Switch Service, click back to your mobile app home screen and tap the relevant account. Here you will find options for switching.

How does the Switch Service work?

Frequently asked questions