Personal
Bank account
Manage my bank account
Select Silver

Existing customers

Explore your Select Silver benefits

You get a range of benefits including travel insurance, mobile phone insurance and more, all for £8 a month.

This account is not eligible for the £150 switch offer.

On this page

Access your Select Silver benefits Open in new window

Using your bank account Open in new window

Set up your bank account Open in new window

Mobile and Online Banking Open in new window

Change your bank account Open in new window

See details of our Reward Switch offer Open in new window

Access your Select Silver benefits through Membership Services

To access your account’s insurance and lifestyle benefits, full terms and conditions, and any exclusions or excesses that apply, just visit our Membership Services.

Make a travel insurance claim.

Answer medical screening questions.

Make a mobile phone claim.

Get discounted cinema tickets.

Find local tastecard restaurants.

What is Membership Services?

Membership Services is the online portal where as a Select Silver account holder you can:

Read about each of your benefits
Use your benefits online
View your benefit usage history

What do I need to log in to Membership Services?

You can now use your mobile or online banking details to activate and sign in to your Membership Services benefits.

We will first ask you to log into your NatWest mobile app or Online Banking using your normal details i.e. Face ID, Touch ID, Passcode or Customer number. Whatever suits you best. We'll then direct you into your Membership Services account.

Alternatively, if you are already an active benefits customer, you can still use your Membership Services registered email and password to sign in.

Need help logging into Membership Services?

If you are having issues logging in, you can also call us:

Silver: 0345 601 5219 (Relay UK 18001 0345 601 5219)
Overseas: +44 2392 664 912

Lines are open Monday to Friday 8am-8pm (except bank holidays) and 9am-5pm on Saturdays. Please be advised calls are recorded for training and quality assurance purposes.

Yummy deals await you

Craving a dining delight? tastecard serves up deals with savings like 2 for 1 on meals, 50% off food, or 25% off on both food and drinks, at thousands of restaurants in the UK and Ireland.

Don’t just dine out, dine out smarter with discounts just a tap away!

Visit Membership Services for details

Open in new window

Use my membership benefits

Your Select Silver account is packed full of benefits.

European travel insurance

Mobile phone insurance

Cinema discount

tastecard

Information Message

Our mobile phone insurance is underwritten by Aviva Insurance Limited. Our travel insurance is Underwritten by AWP P&C SA and administered by AWP Assistance UK Ltd trading as Allianz Assistance.

Managing my account

Report my card lost, stolen or damaged

If you think your debit card or any of your card details, such as your PIN may have been stolen, you should report it to us to avoid the possibility of fraud.

You can now instantly report your card as lost, stolen or damaged through your mobile app. Simply open the app, tap on the account that your card is linked to and select 'Manage my card' to see your options.

You can also report your card by logging in to Online Banking or chat to us online.

Alternatively, you should call us as soon as possible on:

UK: 0370 600 0459 | Relay UK: add 18001 in front of the number
Overseas: +44 1268 500 813

Once you’ve reported your debit card as stolen, we will send out your new card, which will be with you in 5 working days.

Set up, change or cancel a Direct Debit

Manage your Direct Debits

A Direct Debit is an agreement between you and the organisation you’re paying, which allows the organisation you want to pay to collect varying amounts from your account – but only if you’ve been given advanced notice of the amounts and dates of collection.

View or cancel a Direct Debit

You can easily view or cancel a Direct Debit via our mobile app or through your Online Banking.

While you can’t set up a Direct Debit without the input of the people you are paying, you can view and cancel your Direct Debit directly with us.

You have up until 8.20pm (UK time) on the day the payment is due to cancel.

How to set up, view or cancel a Direct Debit

Register my travel

Using my debit card abroad

Register your travel details with NatWest at least 24 hours before your trip, and we'll do our best to ensure your holiday spending isn't affected at all.

Let us know you will be using your card abroad

If you have our mobile app, it’s easy to let us know you are going to use your debit card abroad.

Simply go to the app, tap on the account that your card is linked to, select 'Manage my card' and then select ‘Going Abroad’ to register your trip.

You can register one trip at a time. It can include up to seven countries and last 90 days. Register each country you are visiting. The marker will apply to all debit cards in your name. Joint account holders should register separately.

Get more information on spending abroad and how to minimise fees and charges.

You can also register your travel plans via Online Banking or by giving us a call or popping in to a branch.

Freeze your card

If you've misplaced your debit card, or want to stop it from being used, you can temporarily freeze your card to protect it from unauthorised use. You can freeze and unfreeze your card at any time using your mobile app.

Make a transfer or payment

You can make payments or transfers on the go by logging in to our mobile app. Using your mobile app you can:

Pay someone new* up to £1000 without a card reader.
Pay saved payees, up to £20,000.
Create, amend and cancel regular payments.

*There is a maximum of 5 payments totalling £1000 per day. You must be aged 16 or over.

Alternatively log in to Online Banking where you can view your balance and statements, make payments, transfers and more to help manage your account.

Need more help?

See our dedicated page to find out more about making payments

Current account terms, rates and charges

We want to ensure that everyone is aware of their account terms, rates and charges so we've gathered all the important information for your NatWest current account in one place.

App available to customers aged 11+ with compatible iOS and Android devices and a UK or international mobile number in specific countries. Online Banking available to customers aged 11+ with a NatWest account.

Ways to pay

Unlock the benefits of using your NatWest card

There are many secure and convenient ways to pay with your NatWest card.

Learn more about:

Apple Pay
Google Pay
Contactless payments

Criteria apply.

Information Message

Ways to pay Open in new window

Your arranged overdraft

Set up, change or remove an arranged overdraft

If you already have an Arranged Overdraft limit on your account that you feel is too low or too high, we can help you change it.

Overdrafts available to eligible NatWest current account customers, UK residents aged 18 or over. Subject to lending criteria.

Information Message

Our overdrafts Open in new window

Set up your bank account

Get the mobile app

Our mobile app is like a branch in your pocket

Once you've set up Online Banking, you can get the mobile app. This is the easiest way to keep an eye on your spending and manage your accounts.

Get the mobile app

Need help? See how to set up Mobile Banking

Get started online

Online Banking lets you manage your account, any time, any day

Setting up Online Banking takes a few minutes. You'll need your email address, sort code, account number and debit card to hand.

Get started now

Need help? View our online guide

Set up your card

Get the most from your card

New to NatWest?

If you're new to NatWest, we'll post your Contactless Debit Card and PIN separately within a few days of opening your account. Once your card arrives we'll explain how you can use it.

Already a NatWest customer?

If you’re already a NatWest customer and have recently changed your account, there’s no need to set up your card. You get to keep your existing card and PIN.

You will receive a Contactless Debit Card as standard when your existing card requires replacing, or if you're a new customer at account opening. If you don't want to wait, please pop into your local branch or call us on 0345 366 0012 (Relay UK: 18001 0345 366 0012).

Our accessible debit card

We provide all our personal and premier customers with an accessible debit card.

It’s been specially designed to be easier to use, especially if you have accessibility needs. The card has several features:

A notch carved out of the side of the card, to help you work out which way round to insert your card into a cash machine or card reader.
A series of raised dots or lines, so you’ll know which card is your NatWest card.
Telephone numbers on the back of the card are 50% larger to make reading easier.

Our cards are issued with flat print numbers. If you require a braille plastic wallet, please call on 03457 888 444 (Relay UK- 18001 03457 888 444) for further details.

If you require braille, large print or audio fulfilment please fill in the form below.

Request braille, large print or audio fulfilment

Need help managing your money?

Life’s big moments often mean some kind of financial change. We’ve created helpful tips and tools to help you to manage your finances and support you through life’s important journeys.

See how we can help Open in new window

Make the most of our £150 Switch offer

Switch your current account held elsewhere into an eligible Reward account using the Current Account Switch Service and you get £150.

As our Select Silver account is not eligible for our switching offer, you’ll need to change your existing Select Silver account to one of our Reward accounts or if you already have an eligible Reward account with us, switch into that. Apply online or through our mobile app with your account details to switch. This means your old bank account will close, and any funds and Direct Debits will move over to us.

To be eligible for the offer, within 60 days of completing the switch you must:

Check you have the right account - Make sure you have an eligible Reward account.
Pay in £1,250 - This can be made of multiple payments and must remain in the account for 24 hours.
Log in to the latest version of our mobile app.

When you've met these conditions, we'll pay £150 into your eligible account within 30 days.

You must hold an eligible Reward account. If you've previously received a switch incentive from NatWest Group, you won't be eligible for this offer. The offer can be withdrawn or amended at any time due to limited availability. Specific account and app eligibility criteria apply. Monthly fees apply. Offer T&Cs and restrictions apply.

Switcher T&Cs

Switch Offer Terms and Conditions (PDF, 1MB)

Current Account Switch Guarantee (PDF, 39MB)

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

How to switch your current account to NatWest Open in new window

Change your bank account

It's quick and easy to change your current account through your NatWest mobile app or Online Banking, we'll even pre-fill the application for you.

We have a range of accounts to choose from. The Select account could be ideal if you want to keep things simple, or check out our Reward bank accounts if you're interested in receiving extra benefits and rewards.

Specific account eligibility criteria and monthly fee may apply.

Continue to the app Open in new window

Important documents to read

We do our best to ensure everyone is aware of their account terms and conditions, please take some time to review, print and/or save a copy of these.

Silver Account Insurance Product Information Document (PDF, 277 KB)
Silver Travel Insurance Policy (PDF, 461 KB)
Silver Benefit Terms (PDF, 131 KB)

Mobile and Online banking

Mobile Banking

5 reasons why you should use our mobile app

View your balance and statements anytime

Make payments to your saved payees (limits apply)

Pay someone new without a card reader (limits apply)

Pay your bills and manage recurring payments on the go (limits apply)

Transfer money between your accounts

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Get the mobile app Open in new window

Online Banking

Online Banking is a secure, easy to use and convenient way to manage your account

View your balance

Make payments

Set up and manage your regular payments

Transfer money between your accounts

Set up and go paperless

Information Message

Use Online Banking Open in new window