Premier bank account

Premier Reward Black - a rewarding experience

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 Offer can be withdrawn or amended at any time.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?

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.

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

£31 monthly fee.

Features and benefits


Earn Rewards

Earn £9 a month back in Rewards for 2 or more Direct Debits - 2 of those Direct Debits needs 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 retail partners, 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, cafés and spas.

Worldwide travel insurance

Our worldwide travel insurance covers you and your eligible family for trips up to 90 days, including 31 days for winter sports. The policy also has £10 million medical expenses cover. Travel insurance is underwritten by AWP P&C SA and administered by AWP Assistance UK Ltd trading as Allianz Assistance.

Using your debit card abroad

No Non-Sterling Transaction Fee when you're using your Reward Black debit card abroad.


Mobile phone insurance

Many of us run our lives on our mobiles. Our mobile phone policy covers loss, theft, accidental damage and breakdown (once your manufacturer’s or any other relevant warranty has expired). Underwritten by Aviva Insurance Limited.

UK & European car breakdown cover

The AA provide our UK & European breakdown cover which includes getting you to a destination of your choice if they can't get your vehicle going again. Provided by Automobile Association Developments Limited (trading as AA Breakdown Services).

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.


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.

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, the same arranged overdraft available with £500 interest-free buffer (subject to status) 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

Change 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?

Switch offer

Changing your existing account doesn't qualify you for our switching offer.

To qualify, you need to switch and close a current account held with another bank to your NatWest account. See our Switch page for more information.


If you're happy to change your account to Reward Black please continue.

You're all set

During the application, you'll need the account number and sort code of the current 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​.

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. 

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