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Explore our everyday Premier Select account

You could get our Switch & Save offer with our Premier Select account. T&Cs apply.

Current Account Switch Guarantee logo

Premier eligibility criteria apply. To get this account you must be 18+ and a UK resident.

Switch & Save: Unlock our Limited Edition Saver account when you switch to NatWest Premier

Apply online or via our mobile app to switch your current account held elsewhere into an eligible Premier Select or Premier Reward account by 6 January 2026.
 

Use the Current Account Switch Service and you could unlock our 12 month Limited Edition Saver account which offers fixed bonus interest rates on balances over £50,000.

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

Limited Edition Saver interest rates

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

4.00% / 3.93% 
Balances between £100k - £3m

(includes 2.25% / 2.23% AER / Gross p.a. (fixed) 12 month bonus).
 

3.25% / 3.20%
Balances between £50k - £99,999

(includes 1.50% / 1.49% AER / Gross p.a. (fixed) 12 month bonus).
 

1.06% / 1.05%
Balances up to £49,999

Information Message

1. Switch to us

Open a current account with 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.

 

Information Message

2. 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.

Information Message

3. You're all set

Fund your account
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 for more information. 

Information Message

Information Message

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 Offer can be withdrawn or amended at any time due to limited availability.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.

What is a Premier Select account?

For £0 a month

Premier Select is a current account designed to simplify your banking. It lets you manage payments, bills, and income all in one place.

It also helps you avoid foreign transaction fees, with an option to add an overdraft.

There’s no monthly fee for the Premier Select account – you’ll just need to meet the eligibility criteria.

Fees may apply for additional products and services.

Premier Select account benefits

Here's what the Select account from NatWest Premier offers:

No foreign transaction fee

No Non-Sterling Transaction Fee when you make a payment outside the UK or in a foreign currency. Not valid for ATM withdrawals. Other local fees may apply.

Overdraft option

If you open a Premier Select account, you can choose to apply for an overdraft. As a Premier customer, you won’t pay any interest on the first £500 of an arranged overdraft (subject to status). Representative APR 20.1% (Variable). Which is handy if you happen to go overdrawn accidentally or need to use your overdraft to manage your money in the short-term. 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.

NatWest Premier customer using his debit card

Applying for an overdraft

You can apply for an arranged overdraft once your account is open using our app or Online Banking.

Check if you’ll be accepted before applying—it’s free, quick, and doesn’t affect your credit score.

We start with a soft credit search that appears on your file but lenders can’t see it.

If you apply, we’ll perform a full credit search, which may affect your score.

Overdraft eligibility checker Open in new window

Our Premier customers get more

This Select account gives you access to other Premier banking services from NatWest.

Financial planning

Get investment advice and support to make big financial decisions. Helping you and your family realise your life dreams.

Financial planning and advice

Exclusive support

With a team of real people on hand to guide you, get access to expert help for any questions you have and support to reach your goals. 

Premier banking manager

Get ready to apply

Please take your time to read the product information and make sure this Premier Select account is right for you.

Before you apply for a bank account with us, 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.

A NatWest Premier customer sailing with his daughter

Are you eligible for this account?

You can apply for a Premier Select account if you are a UK resident, aged 18+. 

And you’ll need one or more of the following:

at least £100k sole income or £120k joint income paid into your NatWest account,

or a minimum of £100k savings or investments held with us,

or a £500k+ mortgage with us.

 

Now please take a look at the important legal stuff

If you decide to apply, it means you're happy with what's in these documents, including the FSCS information sheet. And happy to view your statements in online banking - not posted. 

Please take some time to review, print and/or save the important information.

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.

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.

All okay? Apply for a bank account online today.

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.

Continue
Do we already know you?
If you have a current account, credit card, loan or savings account with NatWest please let us know.
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What would you like to do today?
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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 Mitek 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.

Please note, a partial switch does not qualify for any switch incentives we may offer. 

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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.

In 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. 
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Joint accounts opening
Do you have our app on a mobile device?
You can apply using either the mobile app or Online Banking. The mobile app is easier and quicker as we can prefill some of your information.
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Here's a few steps to get started

If you're already using a device with the NatWest app, select the 'Start application' button below.

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

To open a new account: 

  1. Once logged in to the app, choose 'Apply' and then current accounts. 
  2. Then choose what type of account you would like to open.

To change your account type or switch into your existing account: 

  1. Once logged in, click into the account you wish to change or switch.
  2. Choose either the 'Change my account type' or 'Switch my account' option. 

Can't scan the QR code?

 

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Start your application
Do you have NatWest Online Banking?
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Log in to Online Banking

  1. Enter your customer number or 16-digit card number to get started. 
  2. You'll then need to enter your Online Banking pin and password.
  3. Once you're logged in follow the below

To open a new account:

  1. Select 'Current accounts' from 'Our Products'. 
  2. Choose the account you want to apply for and complete your application.

To change to a different account type or to switch into your existing account: 

  1. Choose the account you wish to change or switch, click 'Account details'. Then choose either the 'Switch to us form' or review the section 'Want to change to a different type of current account?' to begin your application. 
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Log in now

Sign up for Online Banking

You’ll need to sign up for Online Banking with us to apply for a current account. The good news is that it normally takes only 5 minutes and all you’ll need is your sort code, account number and your NatWest Debit Card, if you have one.

Select ‘How to register for Online Banking' to start.  

Once you’ve registered, select ‘I am now signed up’ to log in and apply for a Premier Select account. 

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I am now signed up

Log in to NatWest Online Banking

  1. Enter your customer number or 16-digit card number to get started. 
  2. You'll then need to enter your Online Banking pin and password.
  3. Once you're logged in follow the below

To open a new account:

  1. Select 'Current accounts' from 'Our Products'. 
  2. Choose the account you want to apply for and complete your application.

To change to a different account type or to switch into your existing account: 

  1. Choose the account you wish to change or switch, click 'Account details'. Then choose either the 'Switch to us form' or review the section 'Want to change to a different type of current account?' to begin your application. 
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Log in now

Forgotten your Online Banking Details?

If you've forgotten your log in details, don't worry, select 'Reset my Online Banking' for further instructions. 

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Reset Online Banking details

How to download and apply via the app

First, download the app:

  1. On your mobile or tablet, open the camera and point your device at the QR code.
  2. Follow the link that pops up to download the app.
  3. Use your details to log in and follow the below.

To open a new account:

  1. Once logged in to the app, choose 'Apply' and then 'Current accounts'. 
  2. Then choose what type of account you would like to open.

To change to a different account type or to switch into your existing account:

  1. Click into the account you wish to change or switch, then select 'Change my account type' or 'Switch my account' to begin your application.

Can't scan the QR code?

Available on selected devices.

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Premier Select FAQs

Our other Premier current accounts

Premier Reward

Eligible for our Switch & Save offer

£2 a month 

£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.  

Earn at least 1% at partner retailers when you use your NatWest debit card.

Information Message

Information Message

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

Join Premier Reward Open in new window

Premier Reward Black

£36 a month

All the features of our Select and Reward accounts.

Entertainment, travel, insurance and reward benefits for you and your family.

Enjoy annual savings and still earn up to £10 a month in Rewards.

Information Message

Information Message

To apply, you must be an existing NatWest current account customer. Premier eligibility criteria applies. To earn £10 in Rewards, you need to set up two or more Direct Debits per month of at least £4.50 each. Earn £1 in Rewards monthly by logging into your  app. App criteria apply.

Join Premier Reward Black Open in new window