Get exclusive benefits with a Premier Reward Black account

With 22 offices and over 1,000 lifestyle managers worldwide, our lifestyle concierge service is at your disposal 24/7, 365 days a year at no extra charge.

• Key benefits include tailor-made holidays with complimentary upgrades, and access to perks and preferential rates at more than 650,000 hotels around the world.
• There’s also priority booking for selected restaurants, hotels, shows and events worldwide with access to the monthly virtual Book Club series. And special offers, exclusive discounts, and early access to seasonal promotions from your chosen brands.

The equivalent value of using the concierge service once every other month for a variety of requests is, on average, £180 a year.

You get 25% cashback on tickets for concerts, shows, and sporting events throughout the UK and Ireland, when booking through Membership Services.

Cashback applies on up to six tickets per event, on up to four events a year.

For example, three tickets to Back To The Future: The Musical at the Adelphi Theatre, London on a Friday evening in the dress circle left – A1, Row J, would give you £85 cashback. Value calculated in February 2025.

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 £55 a year.

Saving is based on visiting a standard Aylesbury ODEON cinema and redeeming eCodes on the cinema’s website. Value calculated in February 2025.

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).

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 £421 for family cover.

Prices include Insurance Premium Tax. Market comparison conducted 12th February 2025. 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.

What's included

Worldwide travel insurance that covers you and your family for 90 days per trip (including 31 days for winter sports).

Cover for you, your partner and dependent children under 18 (or under 23 if in full time education) at the start of the journey. Children must be living at the home address (or with the other parent), and be neither married nor in a civil partnership.

Emergency medical expenses, cancellations, baggage and more.

Policy underwritten by AWP P&C SA and administered by Allianz Assistance.

Full details on travel insurance - these also outline what is not included.

There are no Non-Sterling Transaction Fees when you buy with your debit card abroad or make a payment in a foreign currency.

Not valid for ATM withdrawals. Other local fees may apply.

Check fees and charges when spending abroad

Personal mobile insurance covers phones used by you, your partner and your children under 18 who live at home with you or under 23 if they’re in full-time education.

You’re covered for theft, loss, accidental damage or breakdown (once your manufacturer’s warranty has expired). You can make 4 approved claims in any 12-month period.

Next day replacements for lost or stolen phones when claims are completed by 8pm.

If your phone is damaged or breaks down, get a same day repair at over 100 locations. Or, depending on where you are, a manufacturer-approved mobile repair technician will come to you at home, work or anywhere in between.

Policy underwritten by Aviva Insurance Limited. Similar cover for an iPhone 14 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 18th February 2025.

The AA provide our UK & European breakdown cover and includes getting you to a destination of your choice if they can't get your vehicle going again.

You’re covered as a driver or passenger in any privately registered vehicle you travel in throughout the UK. 

Anyone driving or travelling in your vehicle is covered too.

You’re also covered in Europe for trips that start and end in the UK (see your terms for a full list of qualifying countries).

Types of breakdown cover included with our bank accounts

• Roadside Assistance - anywhere in the UK.
• At Home - get help when your vehicle won't start at home.
• National Recovery - if the AA can't get your vehicle going, they'll take you and your vehicle to a destination of your choice.
• Onward Travel - if your vehicle can't be fixed at the roadside, the AA can help you complete your journey. This may be by arranging a replacement vehicle, booking you a night's accommodation or funding alternative transport costs (i.e. rail fares) where appropriate.
• Accident Assist - a 24/7 accident claims service. The AA will handle your insurance claim - at no additional cost - no matter which company insures you.

Policy is provided by Automobile Association Developments Limited (trading as AA Breakdown Services)

See our full list of what's included

Cover for two homes – your main residence and any second you own in the UK (excluding properties you rent out).

To be covered the home must be owned by you and be your permanent, or secondary, private place of residence. Detached garages and outbuildings are not covered. Your home must be in the United Kingdom or the Isle of Wight.

Other exclusions: external water supply pipes, boilers over 10 years old, or with an output over 75kw, any emergency if your home has been unoccupied for more than 60 consecutive days, detached garages and outbuildings, and homes in Northern Ireland, the Channel Islands, the Scilly Isles and the Isle of Man.

It's important to remember this is not a household buildings or contents insurance policy, or an equipment maintenance contract.

Underwritten by UK Insurance Limited, their closest equivalent cover costs on average £60 a year, when purchased as an addition to a home insurance policy.

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.

An arranged overdraft allows you to borrow more money than you have in your account, up to an agreed limit. It is intended for short-term use only and will cost you money in interest to use it.

It is a form of debt and is repayable on demand. Always make sure you have enough money in your current account, or a suitable Arranged Overdraft limit in place before any payments are due to come out of your account.

Looking to understand the costs of an overdraft of more than £500 over different periods of time? Use our cost calculator.

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

More about overdrafts

We’ll refund the annual fee if you have a Premier Reward current account.

You'll get 1% back at supermarkets and 0.5% at their petrol stations.

Earn 1-15% back at selected retailers.

And 0.5% back everywhere else.

Plus no foreign transaction fees and a credit limit of at least £5000.

Always aim to pay off your credit card balance every month to make sure the benefit of Rewards outweighs any interest costs.

More about Reward Black credit card

The way you can earn Rewards could differ depending on which current account or credit card you have with us.

With a Reward Black account you can earn:

• £9 in Rewards a month for paying 2 or more Direct Debits from your Reward account – 2 of those Direct Debits need to be at least £4.50 each.
• £1 in Rewards a month for simply logging into your mobile banking app once a month.
• Even more Rewards when you use your debit card to spend at our partners.

Earn offers change every two weeks and the easiest way to see them is to log into your NatWest mobile app.

Partner offers and Reward amounts may vary. App available to customers aged 11+ with compatible iOS and Android devices and a UK or international mobile number in specific countries.

Get rewarded when you spend with our partner retailers. We refresh our partner retailers regularly, and you’ll get personalised offers through MyRewards on our mobile app or in online banking.

Once you reach £5 in Rewards, you can:

Bank them - turn your Rewards into cash, which goes into your bank account.

Trade them - swap them for eGift codes from chosen retailers. You could escape it all with British Airways Avios points or Emirates Skyward Miles', and make memories on family days out through Red Letter Days. 

Some are worth more than the cash.

Donate them - use your Rewards to gift money to the British Heart Foundation, Alzheimer's Society, or Cancer Research UK. 

We regularly refresh our partner retailers – you’ll be able to see what the latest offers are in your app or online account.