Premier bank accounts

Premier Select 

Expert financial guidance, 24/7 support and tailored benefits – apply for our premium account with no monthly fee 

Get our £200 offer when you switch to NatWest

Apply online or via our mobile app to switch a current account held elsewhere using the Current Account Switch Service into a NatWest bank account from 15 February 2024.

Deposit £1,250 into your account and log in to our mobile banking app within 60 days. App eligibility criteria apply. 

When you meet these conditions, we'll pay £200 into your eligible account within 7 days

Your switch must fully complete to receive the incentive, this means your old bank account will close and any funds and Direct Debits will move over to us. The deposit of £1,250 can be made up of multiple credits and must remain in the account for 24 hours. If you've previously received a switcher incentive from NatWest Group since 01 January 2020, you will not be eligible for this offer. Offer can be withdrawn or amended at any time. 

Switch offer T&Cs apply (PDF, 166KB)

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

How does the Current Account Switch Service work?

What can this account do for you?

Premier customers have access to more products, services and support. Combined with your Premier Select account benefits, this could help your money work harder.

Fee-free debit card spending abroad

Use your Premier Select debit card to make a payment outside of the UK or in a foreign currency without having to worry about unexpected charges.

ATM withdrawal charges apply, local fees may apply.

 

No interest on the first £500 of an arranged overdraft

If you ever need a little financial flexibility to help deal with something unexpected, we’re here for you.

Premier Select customers pay no interest on the first £500 of their arranged overdraft (subject to status).

Representative APR: 11.4% (Variable)

 

Effortless banking in the palm of your hand

Bank online, use our fast and secure app (criteria apply) to see all your banking and investments in one place, or pay by phone with Apple Pay or Google Pay™. Limits apply.

Plus, all our cards are contactless as standard. 

 

 

Are you eligible for Premier?

To apply you must be 18 or over, a permanent UK resident and you must have ONE of at least:

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

Premier people, here for you 24/7

Welcome to anytime, anywhere banking. Our highly-trained Premier 24 team is on hand to help with your day-to-day banking needs. No long response times, no bots, no repetitive questions.

They're available through the app, live chat, or you can request a call back, any time day or night.

Kickstart your finance goals

Get support from a Premier Manager and regular Financial Health Checks, which could help your money work harder for you.

As well as connecting you with investment, tax and mortgage specialists, depending on your and your family’s needs, we could give you access to Coutts experts who aim to help ensure your money serves you well for years to come.

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.

Apply today

The quickest way to bank with us is to apply online.

You'll need:

  • personal information from the last five years, including addresses and job details.
  •  to let us know whether you want an overdraft. 

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.

Once we've accepted your application, you can register for Online Banking, download the app and start enjoying hassle-free banking.

 

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.

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

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.

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

Do you have our app on a mobile device, that you can access now?
If you're registered for our app on one of your devices, we can pre-fill some of your info, making the application process faster.

Great, let's get started

Just a heads up, the ‘Start your application’ button directs you to a ‘Select account’ page where you'll be asked to log into our app to start your current account application.

Using a desktop? Simply scan the QR code with your mobile device that has the NatWest app and we'll get you started.

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

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

Do you have NatWest Online Banking?

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, select 'Current accounts' from the product list.
  4. Finally, choose the account you want to apply for and complete your application.

Let’s get you signed up for Online Banking

You’ll need to sign up for Online Banking with us in order 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.

Once you’ve registered, select ‘Next’ to log in and apply for a Premier Select account.

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, select 'Current accounts' from the product list.
  4. Finally, choose the account you want to apply for and complete your application.

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 been changed to a Select account you'll be unable to upgrade to any Reward accounts.

Get started on your switch

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.

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