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No monthly fee bank account

Open our everyday current account

  • Track day-to-day spending with an everyday bank account.
  • Join over 7 million Select account customers (as of August 2024).

You must be 18+ and a UK resident to apply for our Select account.

App available to Online Banking customers with compatible iOS and Android devices and a UK or international mobile number in specific countries.       This account is not eligible for the current £180 Switch offer.

Mobile Banking App

Keep it simple with our everyday bank account

Our award winning basic current account helps you manage your money easily, all in one place, with no monthly fee. 

Learn more about the key features of the Select account, plus the handy little extras that come with it. Explore your overdraft options and how to apply for a new bank account with NatWest.

Why choose our everyday current account?

  • Fee-free current account. There's no monthly account fee for this bank account.
  • Fraud refund promise. We refund any money paid out of your account by a fraudster if you bank online or via the app (if you've kept your security information safe).
  • Get a short-term overdraft if you meet the eligibility criteria. You can explore this option when you apply for a current account.
Image of a gold YourMoney.com Awards 2022 winner’s medal.

Award-winning

This everyday bank account packs a punch, that's why it's award winning.

YourMoney.com voted NatWest as 'Best everyday current account provider', plus this current account was given 5 stars by the Defaqto experts in 2024.

Everyday banking with NatWest

Managing your money is a breeze with NatWest's highly-rated app.

We're here for you, whether you need support at 3pm or 3am.

Sometimes nothing beats that human touch. Chat to us face-to-face over video (criteria applies) or in branch.
The NatWest app’s home screen is shown with a snapshot of a current account balance. Above the image the mobile app App Store rating (4.6/5) and Google Store rating (4.5/5) are displayed.

On-the-go money management

Seamlessly manage your online bank account with our app.

And many more powerful tools to make your everyday easy (criteria may apply).

Apple Store and Google Play Store™ ratings correct as of August 2024.

Instant notifications

Get notified when you spend or receive money.

Set up savings goals

Get help saving towards your next goal.

Round Ups

Save your spare change effortlessly with a linked instant access savings account.

Track your spending

See how you spend your money and set up a budget.

How to open a bank account online

It's simple to apply for a bank account online with NatWest. And you could get an instant decision. Here's how to get started:
  1. Check your eligibility
    Our Select account is for UK residents aged 18+. 
  2. Gather your details
    We might need to verify your identity when opening a bank account online. We'll do this by matching your photo ID to a selfie of you. You’ll need a device with a camera to upload these. We might also ask for other information like proof of address. If you don’t have your ID to hand, you can finish this step later.
  3. Open your bank account online 
    Got everything you'll need? You're now ready to apply for a current account online.

Explore your overdraft options

An overdraft is a way of borrowing money from us via your current account and is repayable on demand. If you don't repay what is owed, you could harm your credit score and borrowing capability.

Switch to NatWest

Why not switch your current account to NatWest, we'll do all the hard work for you and you'll barely need to lift a finger.

Basic bank account - FAQs

Get ready to apply

Before you apply for a bank account with us, we need to check you're happy with a few things. And ask you a few questions up front. Then we can make your application as quick and simple as it can be.

First things first. You can apply if you:

Are aged 18 or over and a UK resident
 

Now please take a look at the important legal info

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.

As part of the checks that we will complete to verify your identity, we’ll take an image of your face so that it can be compared with your photo ID and this biometric data is captured.

All okay? Apply for a bank account online today.

To speed up your application for our Select account, we need to do a few final checks with you. They'll only take a minute.

This account is not eligible for the current £180 Switch offer.

Do we already know you?
If you have a current account, credit card, loan or savings account with NatWest please let us know.
What would you like to do today?

You're all set

  1. Tell us a bit about yourself and we’ll set up your account.
  2. We might need to verify your identity when you apply online. We’ll do this by matching your Photo ID to a selfie of you. You’ll need a device with a camera to upload these. We might also ask for other information like proof of address.  If you don’t have your ID to hand, you can finish this step later. 
  3. Our partner Mitek will then check your identity by matching you to your Photo ID. Your Photo ID must be a Passport, UK or EU/EEA Driving Licence or an EU/EEA National ID card. We might also ask for a valid proof of address. If you don't have your ID to hand you can finish this step later.
  4. Once they’ve confirmed your identity we’ll activate your account.

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

Here's what to do next

We’ve made a few changes to how we open joint bank accounts.

The button below takes you to a dedicated page explaining exactly what you need to open your account.

In summary:

  1. You create a joint account by adding the second applicant to an existing account.
  2. You can either add the second applicant to an existing account, or if you’d like a completely new account, one of you can open a new account and then add the second applicant once it’s open. 
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.

Here's a few steps to get started

If you're already using a device with the NatWest app, select the 'Start application' button below.

You will need the most up to date version of the app, to make changes to your account. 

To open a new account: 

  1. Once logged in to the app, choose 'Apply' and then current accounts. 
  2. Then choose what type of account you would like to open.

To change your account type or switch into your existing account: 

  1. Once logged in, click into the account you wish to change or switch.
  2. Choose either the 'Change my account type' or 'Switch my account' option. 

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 follow the below

To open a new account:

  1. Select 'Current accounts' from 'Our Products'. 
  2. Choose the account you want to apply for and complete your application.

To change to a different account type or to switch into your existing account: 

  1. Choose the account you wish to change or switch, click 'Account details'. Then choose either the 'Switch to us form' or review the section 'Want to change to a different type of current account?' to begin 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 Select 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 follow the below

To open a new account:

  1. Select 'Current accounts' from 'Our Products'. 
  2. Choose the account you want to apply for and complete your application.

To change to a different account type or to switch into your existing account: 

  1. Choose the account you wish to change or switch, click 'Account details'. Then choose either the 'Switch to us form' or review the section 'Want to change to a different type of current account?' to begin 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:

  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 and follow the below.

To open a new account:

  1. Once logged in to the app, choose 'Apply' and then 'Current accounts'. 
  2. Then choose what type of account you would like to open.

To change to a different account type or to switch into your existing account:

  1. Click into the account you wish to change or switch, then select 'Change my account type' or 'Switch my account' to begin your application.

Can't scan the QR code?

Available on selected devices.

More help and support with bank accounts