Overlay
Packaged bank accounts

Upgrade to a NatWest Reward Silver account

What is the NatWest Reward Silver account?

NatWest Reward Silver is a current account packed full of useful extras. As the name suggests, it could make your everyday banking a little more rewarding.

For a monthly fee of £10, you get access to a range of fantastic perks which could be great for staying in, going out or getting away. Enjoy everything from cinema discounts to European travel insurance.

You can also access monthly Rewards that you can spend, use to buy gift vouchers and e-codes or even donate to charity. 

Mobile Banking App

Why pick a bank account with benefits?

NatWest Reward Silver could be useful for large purchases, everyday spending and treating yourself. That's because you can earn from 1% back with our partners and earn Rewards for doing your day to day banking with us. This account lets you manage your money in the same way as you would with a standard current account. You just get a few added extras along the way.

  • Insurance for European travel. Provides cover for trips of up to 22 days. Cover includes cancellation and emergency medical treatment.
  • Mobile phone insurance. Breaking or losing a phone can be stressful and expensive. We’ll cover you for loss, theft, accidental damage and breakdown (once your manufacturers warranty has expired). 
  • Fee-free debit card purchases abroad. Wave goodbye to debit card transaction fees when you jet off on holiday, so you can spend without worrying about additional costs. Keep in mind money from a cashpoint abroad can come with local charges. 
  • Earning Rewards. Earn £4 a month in Rewards for 2 or more Direct Debits of at least £2. Earn £1 a month in Rewards just by logging in to our mobile app. These Rewards can be redeemed as cash or e-Gift Cards.
  • £10 monthly fee. It’s all yours for £10 a month.

 

Mobile phone insurance underwritten by Aviva Insurance Limited. Travel insurance is underwritten by AWP P&C SA and administered by AWP Assistance UK Ltd trading as Allianz Assistance.

 

How do rewards work?

You can earn £4 a month back in Rewards for setting up two or more Direct Debits. Two of those Direct Debits need to be at least £2 each. Plus, you can earn an extra £1 a month back in Rewards with one mobile app login. That's up to £5 a month to spend on whatever you like.

You can also earn from 1% back in Rewards when you spend with our partners. When your available Rewards balance is the equivalent of £5 or more, you can:

Get as cash into your account

Easily exchange your Rewards into your current or savings account.

Exchange

Exchange your Rewards for e-Gift Cards with our partners. From cinema tickets to supermarkets, there are loads to choose from.

Save or spend

Not ready to choose how to use your Rewards? You can exchange them as money into your savings account.

Donate to charity

We have a whole range of chosen charities you can donate your Rewards to each month.

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?

More detail on benefits

Insurance

Mobile phone insurance

When bad things happen to your mobile, you need good cover. Our mobile phone policy covers loss, theft, accidental damage and breakdown (once your manufacturer’s warranty has expired). Underwritten by Aviva Insurance Limited.

European travel insurance (with COVID cover)

Do you love to travel? This account offers European travel insurance that covers you for up to 22 days per trip. The policy also includes winter sports cover (underwritten by AWP P&C SA and administered by AWP Assistance UK Ltd trading as Allianz Assistance).

Lifestyle

Cinema discount

Enjoy savings on cinema tickets at over 250 cinemas nationwide.

Tastecard

If you love eating out, you’ll love this offer: 2 for 1 meals, 50% off food or 25% off food and drinks at thousands of restaurants UK wide.

Rewards

Earn Rewards

Earn £4 a month back in Rewards for two or more Direct Debits - two of those Direct Debits needs to be at least £2 each. Plus, earn an extra £1 a month back in Rewards with one mobile app log in. That's up to £5 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 current or savings account, exchange for gift cards and e-codes with our partners, or donate to one of our chosen charities.

Banking with us

Mobile app

Stay in control of your money with our easy-to-use Mobile Banking app.

Our range of savings accounts

We have a range of savings accounts available to our current account holders.

Want to learn more about packaged bank accounts?

We have a range of packaged bank accounts with different insurance and lifestyle benefits. If you're looking for worldwide travel insurance or car breakdown cover then check out our Reward Platinum and Reward Black accounts.

Monthly fee and eligibility criteria apply.

Ready to upgrade your account?

Take a look at the important legal information first:

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.

Change your account today

Before we begin your application for a Reward Silver 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
Do we already know you?
If you have a current account, credit card, loan or savings account with NatWest please let us know.

Compare our current accounts

We're sorry but you must have an existing NatWest current account to upgrade to a Reward Silver.

Our Select and Reward accounts are available to new customers. If you still like the look of our Reward Silver account you can come back and upgrade later.

Do you have our app on a mobile device?
You can apply using either the mobile app or online banking. The mobile app is easier and quicker as we can prefill some of your information.

Great, let's get started

Just a heads up, you'll need to take a few steps to start your application.  

  1. If you're already using a device with the NatWest app, select the 'Start application' button below. Using a desktop? Simply scan the QR code with your mobile device that has the NatWest app.
  2. Once logged in, select 'Current Accounts'. 
  3. Then choose what type of account you would like to open, change or switch to, and follow the instructions within app to start your application. 

Can't scan the QR code?

Do you have NatWest Online Banking?

Log in to 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.

Sign up for Online Banking

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

Select ‘How to register for Online Banking' to start.  

Once you’ve registered, select ‘I am now signed up’ to log in and apply for a  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.

Forgotten your Online Banking Details?

If you've forgotten your log in details, don't worry, select 'Reset my Online Banking' for further instructions. 

How to download and apply via the app

First, download the app, then:

  1. On your mobile or tablet, open the camera and point your device at the QR code.
  2. Follow the link that pops up to download the app.
  3. Use your details to log in, then select ‘Apply’ at the bottom of the app.

Can't scan the QR code?

Available on selected devices.