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Switch bank accounts to NatWest Premier

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Switch to NatWest Premier

Switch to one of our eligible Premier accounts. T&Cs apply.

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Switching FAQs Open in new window

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How long does it take to switch bank accounts?

You can often switch a bank account in 7 working days. Here’s how the process works:

Days 1 and 2: Choose your switching date

This usually needs to be a working day. The Current Account Switch Service will then contact your old bank. They’ll confirm if the bank account switch can go ahead.

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Day 3: Your new bank account will be set up

Existing payments, like your salary and bills, are moved across when switching bank accounts. So, you won’t need to worry about rearranging Direct Debits or standing orders yourself.

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Days 6 and 7: We’ll transfer your bank account balance

We’ll talk to your old bank and on day 7, your balance will be transferred to the new account. Your old account will be closed. We’ll let you know that your bank account switch is complete.

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This service is only available to switch current accounts. Any other products you have with your old bank won’t be moved at the same time.
Over 50 UK banks and building societies have signed up to the Current Account Switch Service. You can check if your existing bank provider is a participant.
If your old bank is not part of the Current Account Switch Service, find out what you can do on our ways to switch support page.
Direct Debits and standing orders won’t appear on your account until the first payment has been taken.
For more information on how to switch bank account, read A Guide to Switching Current Accounts (PDF, 3MB).

Do you bank with NatWest?

Pick a bank account

Simply choose an eligible account below and follow the instructions to start your application. You'll be able to request the switch during your application. If you're not sure which type of account is best for you, we can help you compare current account types.

Premier Select bank account

Get 24/7 support from Premier 24 and help to invest in your future.

Plus our Premier mobile app and all these membership benefits for free:

No monthly fee.
No non-Sterling transaction fee when you make a payment outside the UK or in a foreign currency. ATM withdrawal charges apply and local fees may apply.
Arranged overdraft with £500 interest-free buffer available (subject to status).

Information Message

Must be 18+ and a UK resident to apply. Premier eligibility criteria apply.

Overdraft: Representative APR: 20.1% (Variable). Other charges may apply.
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.

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Premier Reward bank account

Get 24/7 support from Premier 24 and help to invest in your future.

Plus our Premier mobile app and all these membership benefits that give back:

£2 monthly fee.
£9 a month back in Rewards for 2 Direct Debits - they need to be at least £4.50 each.
£1 a month in Rewards just for logging into our mobile app monthly.
Earn at least 1% at partner retailers when you use your NatWest debit card.

Information Message

Must be 18+, UK resident, and pay in £1,250 to an eligible NatWest account every month. T&Cs apply. Premier eligibility criteria apply.

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Select bank account

Our 5 star Defaqto rated day-to-day bank account

Eligible for our £200 Switch offer.
Free of monthly fees.
Access to our most popular, award-winning* account.
Quick to set up and easy to use.

* YourMoney.com voted NatWest as 'Best everyday current account provider' in 2024.

Information Message

Must be 18+ and a UK resident to apply.

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Reward bank account

The one that gets your money working for you

Eligible for our £200 Switch offer.
Get rewarded for everyday banking.
Earn Rewards for spending with our partners.
All this for only £2 a month.

Information Message

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

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scan the QR code which opens the natwest app

Already have an account with us?

You'll need to either log in to the mobile app or Online Banking to start your application.

Mobile app:

If you're already using a device with the NatWest app, select the ‘Start your switch today' button below.

Using a desktop? Simply scan the QR code with your mobile device that has the NatWest app.

Once logged in, follow the steps below:

Select the current account you’d like to switch into.
Once selected, choose the ‘Switch my account’ option to apply.

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

Online Banking:

If you would prefer to use Online Banking, log in and click 'Account details' on the account you would like to switch into and select ‘Switch to NatWest’.

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What is the Current Account Switch Service, and how does it work?

The Current Account Switch Service is an independent service that helps seamlessly move your bank account from one provider to another. It aims to make switching current accounts a smooth and reliable process, no matter which bank you are switching to and from.

What is the Switch Guarantee?

Banks signed up to the Current Account Switch Service offer a guarantee whenever you move accounts between them. So, when switching bank account, we promise:

Your balance and payments will be automatically redirected.
Any charges or interest will be refunded if something goes awry.
You can choose a date to officially switch your bank account.
Any future payments made to the old account will be redirected.

Current Account Switch Guarantee (PDF, 39KB)

What's included in the bank account switching process?

To reduce friction, we’ll transfer most of your banking commitments when you change a bank account with us. But it’s important to remember that not everything can be moved across.

Here are the main things that will redirect automatically:

Your existing account balance.

The list of your payees.

Ongoing Direct Debits and standing orders, such as utility bill payments.

Salary paid in by your employer.

Future payments made to the old account.

However, a bank account switch won’t automatically redirect the following:

Arranged overdrafts – you’ll need to speak to us first.
Regular debit card payments – those that come from your card rather than the account, such as streaming subscriptions.
Other banking products, such as savings accounts and loans.
Mobile payments.
Any third parties you’ve allowed to access your financial data.
Your transaction history.

What do you need to switch a current account?

You’ll require a few key details before you can switch current accounts with NatWest. It’s useful to gather the following together:

Full name of your old bank.
Number and sort code for the old bank account you want to switch from.
Details of any existing debit cards.
Some official identification, plus proof of your address.

Switching bank accounts – FAQs

Which bank accounts can I switch?

You can use the Current Account Switch Service to switch your current account from and to any of the participating banks and building societies.

You can switch a joint bank account, as long as both parties agree to the switch and you’re switching to another joint account. It is not possible to use the service to switch a joint account to an account in your name only.

We can’t switch savings accounts either. Any other products you have with your old bank will not be moved at the same time. If you have an ISA with another provider you can transfer it to NatWest using our ISA transfer process.

Do I have to close my old bank account when switching?

If you use the Current Account Switch Service, your previous bank account will need to be closed as part of the process. By doing so, we can make sure any payments are transferred over and minimise confusion.

If you would rather keep both accounts open, it’s not possible to do so using the Current Account Switch Service, but we can still do a partial switch. Speak to us and we can explain your current account switching options.

When switching current accounts, your old account will still be active and usable up to and including Day 6. So, you can still pay with your card, and use online banking and mobile banking.

Just remember not to set up any new payments on your old account, as we can’t transfer new payments across.

Please note, partially switching bank account does not qualify for any switch incentives we may offer.

What happens to payments that people send to my old account?

When you switch bank accounts, any existing payments (both incoming and outgoing) are moved to your new current account. When a payment moves across, we’ll send the originator a message to let them know about your switch so they can make any changes at their end.

Some organisations may want to get in touch to confirm that your account has moved. If you don’t want them to have your details, please let us know.

What happens to Direct Debits when you switch bank accounts?

Any Direct Debits should automatically move across to your new provider after switching bank accounts. This is part of the Current Account Switch Service and is designed to save you time and hassle. Standing orders should also transfer across automatically.

Direct Debits and Standing Orders won’t appear on your account until the first payment has been taken. If you want to check your Direct Debits or Standing Orders have successfully transferred over, you can chat to Cora our digital assistant, who will be able to help you check.

What will I need to complete my current account switch application?

Before switching bank accounts, you will need to ensure your details are up to date with your old bank. For example, if you have moved house and have not informed your old bank of your new address.

You will also need to declare all existing parties on your account and have details of any active debit cards held with your bank.

I’ve allowed third parties to access my financial data. Will this be switched too?

If you have allowed third parties to access your data, you will need to cancel any arrangements and set them up again with your new account details. You will need to get in touch with these providers directly.

In addition, because not every bank will support third-party providers’ services, some may not be able to access details of your new bank account.

Can you switch bank accounts when you have an overdraft?

It may be possible to switch bank accounts with an existing overdraft. However, it’s often done on a case-by-case basis. So, you’ll need to confirm with your new bank first.

In cases where it’s not allowed, you will have to repay the overdraft before starting a current account switch.

How many times can I switch bank account?

There is no set limit on the number of times you can switch your current account. Although it might be tempting to keep taking advantage of different introductory offers, it may leave a mark on your credit record if you overdo things.

What if I change my mind and want to cancel my switch?

You can’t cancel a bank account switch once the process has started. However, you can cancel your switch up to 7 days prior to your chosen start date, if you selected a future switch date when opening your account.