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MyRewards

Earn Rewards with NatWest

What are Rewards?

MyRewards allows you to earn related Rewards in a variety of ways such as when you pay Direct Debits, spend with your debit or credit card or log in to the mobile app.

You can watch your Rewards grow in the app and when you have more than £5 in Rewards you can choose to convert them into money to bank, exchange or donate.

How to earn Rewards

The way you can earn Rewards will be different depending on which current account or credit card you have with us.

The easiest way to see your offers is to log into your NatWest mobile app and click 'Earn' to view your retailers. Partner offers and Reward amounts may vary. 

Earn £4 in Rewards a month

Pay 2 or more Direct Debits from your Reward account – 2 of those Direct Debits need to be at least £2 each. 

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Earn £1 in Rewards a month

Simply by logging into your mobile banking app once a month. App criteria apply.

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Earn between 1-15% in Rewards

Use your debit or credit card to spend at our partners.

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See our partners Open in new window

Choose your current account or credit card to see the different ways to earn Rewards.

How to earn

Pay 2 or more Direct Debits from your Reward account – 2 of those must be at least £2 each.
Log in to your mobile app once a month
Use your debit card at partners

How much you could earn (per month)

£4
£1
1-15%
Available to new and existing customers. Must be 18+, UK resident, and pay in £1,250 to an eligible NatWest account every month to earn Rewards.

How to earn

Pay 2 or more Direct Debits from your Reward account – 2 of those must be at least £2 each.
Log in to your mobile app once a month
Use your debit card at partners

How much you could earn (per month)

£4
£1
1-15%
Available to existing NatWest current account customers.

How to earn

Pay 2 or more Direct Debits from your Reward account – 2 of those must be at least £2 each.
Log in to your mobile app once a month
Use your debit card at partners

How much you could earn (per month)

£4
£1
1-15%
Available to existing NatWest current account customers.

How to earn

Pay 2 or more Direct Debits from your Reward account – 2 of those must be at least £4.50 each.
Log in to your mobile app once a month
Use your debit card at partners

How much you could earn (per month)

£9
£1
1-15%
Available to new and existing customers. Must be 18+, UK resident, and pay in £1,250 to an eligible NatWest account every month to earn Rewards. Premier eligibility criteria applies.

How to earn

Pay 2 or more Direct Debits from your Reward account – 2 of those must be at least £4.50 each.
Log in to your mobile app once a month
Use your debit card at partners

How much you could earn (per month)

£9
£1
1-15%
Available to existing NatWest current account customers. Premier eligibility criteria applies.

How to earn

Use your credit card at partners
Use your credit card at supermarkets
Use your credit card everywhere else, including supermarket petrol stations

How much you could earn (per month)

1-15%
1%
0.25%
Available to UK residents, aged 18+ and earning at least £10K per year.

How to earn

Use your credit card at our partners
Use your credit card at supermarkets
Use your credit card everywhere else, including supermarket petrol stations

How much you could earn (per month)

1-15%
1%
0.5%
Available to UK residents, aged 18+ and earning at least £15K per year.

How to earn

Use your debit card at our partners

How much you could earn (per month)

Between 1-15% of your spend
Cashback Plus account can't be applied for.

How to earn

Use your credit card at partners
Use your credit card on eligible travel spend - (Hotels, accommodation, planes, car hire, buses, cruises, trains and more)
Use your credit card everywhere else

How much you could earn (per month)

1-15%
1%
0.1%
Conditions apply. Available to new and existing customers. To apply you must be 18+, earn at least £10k per year, be a UK resident.

Say hello to our partners

As a MyRewards customer, you could earn extra Rewards when you spend. Your offers change regularly. Check the MyRewards section of your app to see your latest offers. Maybe you enjoy a Greggs sausage roll for lunch, or like to do your weekly shop at Morrisons? 

Last year our Reward customers earned an average of 6% back in Rewards when using their NatWest debit card at our partners. Based on Rewards earned vs. amount spent in 2023.

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Who can earn Rewards?

You can earn Rewards if you have:

  • a Reward, Reward Silver, Reward Platinum, Premier Reward or Premier Reward Black account (monthly fee applies).
  • a Reward credit card. Representative 31.0% APR (variable). Annual fee applies - but we'll refund it if you have a Reward current account.
  • a Reward Black credit card. Representative 40.7% APR (variable). Annual fee applies - but we'll refund it if you have a Premier Reward Black current account. 
  • a Travel Reward credit card. Representative 27.9% APR. (variable). No Annual fee applies.

Account eligibility criteria apply.

Use your Rewards in three ways

Bank your Rewards

Pay them as money into your bank account

Change your Rewards into money which you can either transfer into your NatWest current or savings account or use towards reducing your Reward Credit Card balance.

£5 in Rewards could mean £5 in your bank account.

The money can take 5 working days to be added to your account.

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Exchange your Rewards

Exchange them for e-gift cards from our partners.

Exchange your Rewards for e-gift cards which you can use at selected partners either in store or online.

£10 in Rewards could be exchanged for a £10 B&Q eGift card, plus get 4% back in Rewards. 

Our Partners can change, login to MyRewards regularly to see new ways to exchange your Rewards.

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Donate your Rewards

Donate them to one of our chosen charities

We'll exchange your Rewards into cash and send your donation directly to your chosen charity. It's easy and can all be done within your NatWest app.

£5 in Rewards could be £5 donated to Macmillan Cancer Support, Alzheimer's Society and many more.

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Accessing MyRewards is easy

  1. On your mobile or tablet, open the camera and point your device at the QR code.
  2. A link will pop up, tap this, and you’ll be taken straight to MyRewards in your NatWest mobile banking app. 
  3. If the QR code is not working for you, use this MyRewards link to get into your app.
  4. Or you can log in using Online Banking and use the MyRewards section to access MyRewards. 

 

QR code not working? 

You can download the app and get into MyRewards by following these instructions:

  1. On your mobile or tablet, go to the App Store if using Apple or Google Play if using Android.
  2. Search for 'NatWest Mobile Banking'.
  3. Tap to download the app.

App available to customers aged 11+ with compatible iOS and Android devices and a UK or international mobile number in specific countries.

Accessing MyRewards is easy

  1. On your mobile or tablet, open the camera and point your device at the QR code.
  2. A link will pop up, tap this, and you’ll be taken straight to MyRewards in your NatWest mobile banking app. 
  3. If the QR code is not working for you, use this MyRewards link to get into your app.
  4. Or you can log in using Online Banking and use the MyRewards section to access MyRewards. 

App available to customers aged 11+ with compatible iOS and Android devices and a UK or international mobile number in specific countries.

QR code not working? 

You can still download the app and get into MyRewards by following these instructions:

  1. On your mobile or tablet, go to the Google Play store.
  2. Search for 'NatWest Mobile Banking'.
  3. Tap to download the app.

Accessing MyRewards is easy

  1. On your mobile or tablet, open the camera and point your device at the QR code.
  2. A link will pop up, tap this, and you’ll be taken straight to MyRewards in your NatWest mobile banking app. 
  3. If the QR code is not working for you, use this MyRewards link to get into your app.
  4. Or you can log in using Online Banking and use the MyReward section to access MyRewards. 

App available to customers aged 11+ with compatible iOS and Android devices and a UK or international mobile number in specific countries.

QR code not working? 

You can still download the app and get into MyRewards by following these instructions:

  1. On your mobile or tablet, go to the App Store.
  2. Search for 'NatWest Mobile Banking'.
  3. Tap to download the app.

MyRewards Terms and Conditions

We do our best to ensure everyone is aware of their account terms and conditions, please take some time to review, print and/or save a copy of these.

MyRewards FAQs

Join MyRewards

Become a MyRewards member and automatically earn Rewards if you have a Reward current accounts such as Reward, Reward Silver, Reward Platinum, Premier Reward or Premier Reward Black. 

You can also earn Rewards with a Reward credit card, Reward Black credit card or Travel Reward credit card.

Compare Reward bank accounts

Open or upgrade your existing NatWest current account to a Reward account. Specific account eligibility criteria apply. 

Reward 

£2 monthly fee
  • Get £4 a month back in Rewards for paying 2 or more Direct Debits (2 of those Direct Debits need to be at least £2 each)
  • Get £1 a month back in Rewards with 1 mobile app log in 
  • Earn Rewards when you spend with your NatWest debit card at our partner retailers

Continue to account

Reward Silver

£10 monthly fee
  • European travel insurance
  • Mobile phone insurance
  • tastecard
  • Discounts on cinema tickets
  • Fee-free debit card spending when abroad
  • Plus, all the benefits of the Reward account

Continue to account

Reward Platinum

£22 monthly fee
  • Worldwide travel insurance
  • Mobile phone insurance
  • UK car breakdown cover
  • tastecard
  • Discounts on cinema tickets
  • Fee-free debit card spending when abroad.
  • Plus, all the benefits of the Reward account

Continue to account

Premier Reward Black

£36 monthly fee
  • Worldwide travel insurance
  • Mobile phone insurance (Family cover)
  • UK & European car breakdown cover
  • Ticket booking service
  • 24/7 concierge service
  • Home emergency cover
  • Access to 1,100 global airport lounges

If you earn more than £100,000 per year, you could be eligible. 

Continue to account

Ways to become a MyRewards member

New to NatWest?

Our Reward account is available to new customers. To apply, you must be 18+ and a UK resident. You need to also pay in £1,250 to an eligible NatWest account every month.

Continue to Reward Open in new window

Upgrade your current account

Packaged current accounts come with added extras and are available to existing NatWest current account customers. These extras range from earning Rewards, different types of insurance and fee-free debit card purchases abroad.

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View our Premier Reward accounts

Bank accounts packed with benefits combined with our Premier Banking service to help you achieve your financial goals.

Compare our Premier Reward accounts Open in new window