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Premier bank account

Upgrade to a Premier Reward Black account

Benefits for when you're at home or abroad

Enjoy worldwide family travel insurance.

Access to over 1,100 international airport lounges with DragonPass Premier+.

24/7 Concierge Service.

UK and European car breakdown cover.

£9 a month back in Rewards on 2 Direct Debits - they need to be at least £4.50 each.

£1 a month back in Rewards when you log in to our mobile app.

£31 monthly fee.

Features and benefits

Rewards

Earn Rewards

Earn £9 a month back in Rewards for 2 or more Direct Debits – 2 of those Direct Debits need to be at least £4.50 each. Plus, earn an extra £1 a month back in Rewards with 1 mobile app log in. That’s up to £10 a month back in Rewards to spend on whatever you like.

Exchange Rewards

Once you reach £5 in Rewards, the choice is yours. Bank it into your NatWest bank account, trade up for gift cards and e-codes with our partner retailers or donate to one of our chosen charities.

Worldwide Airport Lounge Access

DragonPass Premier+ gives you unlimited access to over 1,100 lounges worldwide, you can enjoy discounts at airport restaurants, cafes and spas.

Worldwide Travel Insurance

Our worldwide travel insurance covers you and your family for trips up to 90 days, including 31 days for winter sports. The policy also has £10 million medical expenses cover (underwritten by U K Insurance Ltd).

Black Travel Service

You could enjoy 10% discount off breaks, holidays, car hire and overseas travel when you use the Black Travel Service.

Using your debit card abroad

No Non-Sterling Transaction Fee when you use your Reward Black debit card abroad.

Insurance

Mobile Phone insurance detail

Many of us run our lives on our mobiles. Our mobile phone policy covers loss, theft, accidental damage and breakdown (once your manufacturer’s warranty has expired). Underwritten by American International Group UK Limited.

UK & European car breakdown cover

Green Flag provide our UK & European Breakdown cover which includes returning you and your vehicle to your home address in the UK. We’ll give you options to get you to your destination if your vehicle can’t be fixed (Underwritten by U K Insurance Limited).

Home Emergency Service

24/7 home emergency cover up to £750 including VAT (underwritten by U K Insurance Limited). We only use approved repairers – finding someone you can count on.

Lifestyle

24/7 Black Concierge Service

Our 24/7 Black Concierge Service can help you with things like getting your hands on hard-to-get tickets or booking a table at a top restaurant anywhere in the world.

Black Ticket Service

Receive 25% cashback on tickets for theatre, dance, opera, concert performances and more throughout the UK and Ireland.

Cinema discount

Take advantage of up to 40% off the price of cinema tickets.

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?

I already have a Reward Black account

Learn more about our NatWest Premier Black app or find out how to set-up and use your account benefits.

Not sure Rewards are for you?

View our Premier Select account which has no monthly fee and all our standard features that help make your banking hassle free.

More features

Mobile banking app

Our Premier branded mobile banking app is secure and easy to use.

Use your account benefits

Make the most of your Premier Reward Black account with the NatWest Premier Black app.

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.

Now please take a look at the important legal stuff

Breakdown cover is changing

From 8th December 2022, the provider of our breakdown cover is changing from Green Flag to the AA. For more information, please review the following Notice of Variation, which includes the AA's Terms and Conditions and an Insurance Product Information Document specifically relating to Car Breakdown.

Upgrade your account today

Before we begin your application for a Reward Black account, we need to do a few final checks with you. First things first. You can apply if you:

  • are aged 18 or over and a UK resident
  • already have a NatWest current account

You need to also meet one of the following criteria: have a minimum £100k sole income or £120k joint income paid into your NatWest account, or £500k minimum mortgage borrowing with us, or minimum £100k savings or investments held with us. 

What would you like to do today?

You're all set

During the application, you'll need:

  • The account number and sort code of the account you want to change

As you're changing your account, the account details and debit card will stay the same. Just to make life easier for you.

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.