Premier bank accounts

Premier Select - a premium account but no monthly fee

Enhance your everyday banking with Premier


No Non-Sterling Transaction fee when you make a payment outside the UK or in a foreign currency.

Get expert help to make the most of your money and tackle life's unexpected surprises with our Premier Banking service.

Stay in control with the NatWest app.

Multiple ways to pay: Apple Pay, Google Pay™  and Contactless Debit Card. Limits apply.

Arranged overdraft with £500 interest-free buffer available (subject to status).

No monthly fee.

What you'll need to open this account

To apply, you need to be 18+ and a UK resident and have ONE of the following:


Pay a minimum £100k sole income or £120k joint income paid into a NatWest account.

Mortgage borrowings

Have £500k minimum mortgage borrowing with us.

Savings or investments

A minimum £100k savings or investments held with us.

What happens when you switch?

Step 1

We’ll send a request to your old bank to confirm the switch and we’ll keep you updated every step of the way.

Step 2

The account you’re switching from will be closed on your behalf and your balance and payments (like Direct Debits) will be moved to your NatWest account.

Step 3

The switch is complete. Your old bank will make sure that any payments made to your old account are redirected to your NatWest account.

I already have a Premier Select account

Find out how to set-up and use your account.

Account features

Discover Premier

Help when you need it

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).

Plan for the future

With our Will-writing & Executor Service you could ensure your money and assets are shared according to your wishes in an efficient way, giving you peace of mind. A fee will apply.

The NatWest app

Get closer to where your money goes

Spending money is easy and so is keeping an eye on it with our budget tool in the NatWest mobile app. You must be aged 16+. Only available for Personal and Premier Current accounts.

Using your debit card abroad

No Non-Sterling Transaction Fee when you use your Premier Select debit card abroad.

Overdraft details

How do overdrafts work?

An arranged overdraft can be useful for short term borrowing. Understand arranged and unarranged overdrafts and their impact on your account. An overdraft is a form of borrowing and is repayable on demand.

How much will an overdraft cost?

Understand the cost and impact of overdrafts and whether you're eligible to apply for one. If you don't repay what is owed, you could harm your credit score and borrowing capability.

Open this account online

Apply online

During the application we'll ask for information about you such as your address, job etc. So have these ready.

Upload your ID

At the end of your application we might ask you to provide photo ID and proof of address. We’ll also ask for a short video to compare to your photo ID. We'll then check your details with our security partners HooYu or DigiDocs.

We'll check your details

We'll check we have everything needed to open your account. We'll then give you a welcome call within two working days.

Start using your new account

Your new account is open. Register for Online banking, download our mobile app and enjoy hassle free banking.

Switch to NatWest

The Current Account Switch Service will do all the work when it comes to switching, moving everything across from your old account to your new account all within 7 working days, including Direct Debits and standing orders. All you need to do is tell us the details of your old bank account and when you want the Switch to start.

We can not switch savings accounts or ISAs through this service. Any other products you have with your old bank will not be moved at the same time.

Current Account Switch Guarantee (PDF, 39KB)

A Guide to Switching Current Accounts (PDF, 3MB)

How does the Current Account Switch Service work?

Get ready to apply

Before you apply, we need to check you're happy with a few things. And ask you a few questions up front. Then we can make your application as quick and simple as it can be.

First things first. You can apply if you:

are aged 18+ and a UK resident

You must also meet one of these criteria:

Minimum £100k sole income or £120k joint income paid into your NatWest account.

£500k minimum mortgage borrowing with us.

Minimum £100k savings or investments held with us.

Now please take a look at the important legal stuff

How your information might be used

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.

All okay? You’re nearly ready to start.

To speed up your application for our Premier Select account, we need to do a few final checks with you. They'll only take a minute.

What would you like to do today?
Do you have a current account with NatWest?
Do you know your Online Banking details?
If you log in to Online Banking we can pre-fill some of the application for you.

Here’s what to do next

If you’re an existing customer, we’ve made some changes on opening a Premier Select account.

As a summary:

The ‘Start your application’ button directs you to a ‘Select account’ page where your Online Banking details are required and you must also meet one of these criteria:


  • Minimum £100k sole income or £120k joint income paid into your NatWest account.
  • £500k minimum mortgage borrowing with us.
  • Minimum £100k savings or investments held with us.

Please register for Online Banking

To help kick-start your application, we'll need you to register for NatWest Online Banking. If you've forgotten your login details you can re-register via the same process.

You'll need your bank account sort code and account number, and your NatWest Bank debit card if you have one.

The good news is that it normally takes about 5 minutes to register.

You're all set

Your application will be completely online, and you won't need to post us any information or visit a branch.


  1. Tell us a bit about yourself and we’ll set up your account.
  2. Our partner HooYu will then check your identity by matching you to your Photo ID. Your Photo ID must be a Passport, UK or EU/EEA Driving Licence or an EU/EEA National ID card. We might also ask for a valid proof of address. If you don't have your ID to hand you can finish this step later.
  3. Once they’ve confirmed your identity we’ll activate your account.

Here's what to do next

We’ve made a few changes to how we open joint bank accounts.

The button below takes you to a dedicated page explaining exactly what you need to open your account.

As a summary:

  1. You create a joint account by adding the second applicant to an existing account
  2. You can either add the second applicant to an existing account, or if you’d like a completely new account, one of you can open a new account and then add the second applicant once it’s open. 

You're all set

During the application, you'll need the account number and sort code of the account you want to change. You can find these in your app/Online Banking.

As you're changing your existing account to another, you’ll:

  • Keep your existing sort code, account number and debit card. Your existing standing orders and direct debits will stay the same.
  • Retain your arranged overdraft limit.
  • See no impact to your credit rating. 

If you're a non-UK resident, once your account has changed to a Premier Select you'll be unable to upgrade to any Reward accounts.


You're all set

You’ll need these bits of info handy for your application:

  • The account number, sort code and debit card number of the bank account you want to switch to NatWest
  • The account number and sort code of your existing NatWest current account

The Current Account Switch Service will move everything across from your old bank account to your NatWest current account within 7 working days.