Switch and Save offer with Premier Select

Your financial goals, our expertise

• With Premier you'll have an expert team available to help with your everyday banking needs, day or night. If you need help with something more complex, we can connect you with the specialists you may need.

Protect what matters

• If you need it, you'll also have access to an enhanced level of insurance cover available with Premier Insurance (underwritten by U K Insurance Limited).

If you already have a Premier Select you can find out how to use your existing account on our website.

This account offers an Overdraft facility (subject to status). You can check if you're likely to be accepted for an overdraft using our eligibility tool.

Premier Select customers pay no interest on the first £500 of their arranged overdraft. Looking to understand the costs of an overdraft of more than £500 over different periods of time? Use our cost calculator. The cost calculator does not reflect the up to £500 interest free arranged overdraft buffer on your account. For a more accurate indication of the monthly cost, input the overdraft you intend to use over and above the first £500.

If you don't pay it back, it could have an impact on your credit score.

How does our overdraft compare?

A good way to compare the costs of borrowing products is by using the APR, which shows the cost of borrowing over a year.

Representative example: Effective Annual Rate 0% EAR on arranged overdrafts up to £500, 34.49% EAR (variable) above £500. Representative 20.1% APR (variable). Assumed credit limit: £1200.

Offer available to new or existing customers who do not hold a NatWest current account or savings account as of 18 November 2025.

Switch your current account held elsewhere into an eligible account using the Current Account Switch Service by 6 January, and you could unlock our Limited Edition Saver account which offers fixed bonus interest rates on balances over £50,000.

Switch to us  

• Apply for an eligible Premier Select or Premier Reward account and request to switch your bank account to us using the Current Account Switch Service by 6 January.
• Your switch to us must be completed by 21 January 2026.

Switch complete: Wait to receive the offer email from us

• Once your switch to us is complete, we'll send you an email with a link to open a Limited Edition Saver account. This will arrive between 02 December 2025 and 21 January 2026.
  
• You'll have until 23 January 2026 to apply for a Limited Edition Saver via our mobile app.

You’re all set

• Once you've opened your Limited Edition Saver and funded your account, you'll immediately start benefiting from the interest rates.

See our Limited Edition Saver account information sheet.

Premier and specific account eligibility criteria and conditions apply. Monthly account fees may apply. Offer T&Cs and restrictions apply. Offer can be withdrawn or amended at any time due to limited availability. If you previously held a NatWest current account or savings account, you may still qualify, provided you did not hold one as of 18 November 2025. You are not eligible for this offer if you're switching a current account from NatWest Group (Royal Bank or Ulster Bank NI). Joint accounts are not eligible for this offer.

Third Party Permissions

If you have given permissions to Third Party Providers to make payments on your behalf, or to access your financial data, access to these services won’t be transferred automatically to your new account as part of the Current Account Switch Service.

Before you close your old account, check whether you have any Third Party Provider permissions set up and if so, who with.

Once your new account is open you can give your permission to the Third Party Provider to access your new account by providing them with your new account details. You will need to contact the Third Party Provider directly yourself to set this up.

If you are unsure as to whether we will support the Third Party Provider permissions on your account, you can contact us for further information and support.

Please check our account terms and conditions for more information about Third Party Providers.

Switch & Save with NatWest and benefit from a 12 month fixed bonus on balances between £50,000 and £3,000,000 with full access to your funds anytime.

Interest rates

AER / Gross p.a. (variable)
Interest paid monthly.

• 4.00% / 3.93% - Balances between £100k - £3m (includes 2.25% / 2.23% (fixed) 12 month bonus)
• 3.25% / 3.20% - Balances between £50k - £99,999 (includes 1.50% / 1.49% (fixed) 12 month bonus)
• 1.06% / 1.05% on balances up to £49,999

It's important for you to understand how we use and share your information. Please read this short summary before you continue with your application.

As part of the checks that we will complete to verify your identity, we’ll take an image of your face so that it can be compared with your photo ID and this biometric data is captured.