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To apply, you need to be 18+ and a UK resident. You need to also pay in £1,250 to an eligible NatWest account every month. You can only hold a maximum of 1 Reward account in your name, and 1 joint names.
Our App is available to personal and business banking customers aged 11+ using compatible iOS and Android devices. You'll need a UK or international mobile number in specific countries.
Earn rewards
Up to £5 a month back
Earn £4 a month back in Rewards for 2 or more Direct Debits (2 of those Direct Debits needs to be at least £2 each). Plus, earn an extra £1 a month back in Rewards with 1 mobile app log in. That's up to £5 a month back in Rewards to spend on whatever you like!
Also earn from 1% in Rewards when you spend with your NatWest debit card at our partner retailers. Check out our current retailers in the mobile app.
Your Rewards balance can grow quickly, they're easy to earn and they're easy to exchange!
Exchange Rewards
For cash back, gift cards and more
Once you reach £5 in Rewards, the choice is yours. Redeem Rewards as money back into your current account, trade them up for eGift codes, or donate to one of our chosen charities.
How to exchange your Rewards
Great news, there is no need to set up your Rewards. You can see your MyRewards balance and claim straight from the NatWest app with the touch of a button. There's no need to use a password.
Keep in mind, if you choose to bank your Rewards it will take 5 working days to clear.
Overdraft details
Is a Reward account a cashback bank account?
The NatWest Reward bank account is similar to a cashback bank account – but it’s a bit more flexible. You can earn up to £5 a month back in Rewards for small things like logging into our mobile app and setting up direct debits.
You have multiple options. You can redeem your Rewards for cashback into your account, exchange them for e-gift cards, or donate them to charity.
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)
Open a bank account online - FAQs
If you carry on applying, 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.
Select bank account
Quick to set up, easy to use and zero monthly fees. The Select account is perfect if you want to keep things simple. It’s full of useful saving, budgeting and bill-splitting tools too.
Must be 18+ UK resident to apply.
Student bank account
Get an interest-free overdraft to help you pay for uni costs. Plus, a free, four-year student tastecard for discounted restaurant bills, streaming and more.
Specific account eligibility criteria apply. Overdraft subject to eligibility.
Child & Teen bank account
Our Adapt account (ages 11-17) gives you your own current account and debit card. Or, start out with our Rooster pocket money app for kids, with a prepaid debit card.
Eligibility criteria, fees & charges may apply. T&Cs apply (PDF, 100KB).
Joint bank account
Buddy up with your partner or someone you trust. With our joint account options, you can pool money for bills, mortgages, rent or groceries. It’s easy to switch to NatWest and get shared access to a Select, Reward account or savings account.