NatWest current accounts November 2026

Compare NatWest's accounts Compare fees, features & more

Whether you’re looking for a simple current account, a business account or one that rewards you with cashback, NatWest has plenty of options. It even runs generous switching bonus offers from time to time to attract new customers. NatWest carries all the advantages of a big, established bank, such as security, customer service and a network of branches if you prefer to deal with your bank in person.

Compare NatWest’s current accounts

11 of 11 results

Finder Score	Account fees	Funding requirement	Interest (AER)	Arranged overdraft	Incentive	Representative example
9Excellent NatWest Select Account	9Excellent	£0	No minimum funding requirement	0% AER	39.49% EAR variable (subject to status)	£200 offer when you switch to NatWest. T&Cs apply. More info For £200, open a Select or Reward account and switch using the Current Account Switch Service. Pay in £1250 & log into the app within 60 days. You must not have held a current account on 06/05/26 or previously received an offer from NW Group. T&Cs & account criteria apply. Fees may apply. May be withdrawn at any time.	You must be 18+ and a UK resident. Representative Example: Effective Annual Rate: 39.49% EAR (variable). Representative APR: 39.49% APR (variable). Assumed credit limit: £1,200 Subject to status. How does this overdraft compare? A good way to compare the cost of borrowing products is by using APR, which show the cost of borrowing over the year.	Go to site More info Compare product selectionCompare	loading
7.8Great NatWest Premier Select Account Offer	7.8Great	£0	No minimum funding requirement	0% AER	0% EAR variable on the first £500 and then 34.49% EAR variable (subject to status)	£500 welcome bonus when you switch to NatWest Premier. T&Cs and restrictions apply. More info For the £500 bonus, use the Current Account Switch service to close your current account held elsewhere and switch to a Premier Select account. You must pay in at least £15,000 (this can be made up of multiple payments, such as your salary and each payment needs to stay in your account for at least 24 hours) and log in to the app within 90 days. Once all offer criteria have been met and verified after 90 days, your £500 welcome bonus will be paid within the following 30 days.	You can apply for a Premier Select account if you are a UK resident, aged 18+ and have ONE of the following: at least £100k sole income or £120k joint income paid into a NatWest account, or a minimum £100k savings or investments held with us, or a £500k+ mortgage borrowing with us. Representative Example: Effective Annual Rate 0% EAR on arranged overdrafts up to £500, 34.49% EAR (variable) above £500. Representative 20.1% APR (variable). Assumed credit limit: £1200. How does this overdraft compare? Representative APRs help you compare the cost of different credit products. The monthly cap for unarranged overdraft charges for a Premier Select account is £18.80. For more information, please visit the NatWest site.	Go to site More info Compare product selectionCompare	loading
8.7Great NatWest Reward Cashback	8.7Great	£2 per month	£1250 per month	0% AER	39.49% EAR variable (subject to status)	£200 offer when you switch to NatWest plus earn £4/month in Rewards: £4 for 2 direct debits of £2+ & earn 1% back in Rewards when you spend with selected partners. T&Cs apply. More info For £200, open a Select or Reward account and switch using the Current Account Switch Service. Pay in £1250 & log into the app within 60 days. You must not have held a current account on 06/05/26 or previously received an offer from NW Group. T&Cs & account criteria apply. May be withdrawn at any time.	You must be 18+ and a UK resident. You must pay in £1250 each month. Representative Example: Effective Annual Rate 39.49% EAR (variable), Representative APR: 39.49% APR (variable) Assumed credit limit: £1200, Subject to status. How does this overdraft compare? A good way to compare the cost of borrowing products is using APR, which shows the cost of borrowing over the year.	Go to site More info Compare product selectionCompare	loading
8.9Great NatWest Premier Reward Cashback	8.9Great	£2 per month	£1250 per month	0% AER	39.49% EAR variable (subject to status)	£500 welcome bonus when you switch to NatWest Premier. T&Cs and restrictions apply. More info For the £500 bonus, use the Current Account Switch service to close your current account held elsewhere and switch to a Premier Reward account. You must pay in at least £15,000 (this can be made up of multiple payments, such as your salary and each payment needs to stay in your account for at least 24 hours) and log in to the app within 90 days. Once all offer criteria have been met and verified after 90 days, your £500 welcome bonus will be paid within the following 30 days.	To apply for a Premier Reward account, you need to be aged 18+ UK resident and deposit £1250 every month to any NatWest current account. Also, you must meet one of the following requirements have a minimum of £100k individual income or £120k joint income into a NatWest account, or a minimum £100k savings or investments held with us, or a £500k+ mortgage borrowing with us. Representative Example: Effective Annual Rate: 39.49% EAR (variable). Representative APR: 39.49% APR (variable). Assumed credit limit: £1,200. How does this overdraft compare? Representative APRs help you compare the cost of different credit products. The monthly cap for unarranged overdraft charges for a Premier Reward account is £18.80. For more information, please visit the NatWest site.	Go to site More info Compare product selectionCompare	loading
Not yet rated NatWest Graduate Account	Not yet rated	£0	No minimum funding requirement	0% AER	0% EAR variable on the first £3,250 and then 39.49% EAR variable	Free 24/7 Emergency Cash Service to withdraw up to £300 for online and telephone banking customers or £60 if not.	Representative example: If you use an arranged overdraft of £1,200, you'll be charged interest at 0% EAR variable on the first £3,250 and then 39.49% EAR variable.	More info Compare product selectionCompare	loading
Not yet rated NatWest Student Account	Not yet rated	£0	No minimum funding requirement	0% AER	N/A	Representative example: If you use an arranged overdraft of £1,200, you'll be charged.	More info Compare product selectionCompare	loading
Not yet rated NatWest Foundation Account	Not yet rated	£0	No minimum funding requirement	0% AER	N/A		More info Compare product selectionCompare	loading
Not yet rated NatWest Reward Silver Cashback	Not yet rated	£12 per month	No minimum funding requirement	0% AER	39.49% EAR variable	Representative example: If you use an arranged overdraft of £1,200, you'll be charged interest at 39.49% EAR variable. Account fee of £12 per month.	More info Compare product selectionCompare	loading
Not yet rated NatWest Reward Platinum Cashback	Not yet rated	£23 per month	No minimum funding requirement	0% AER	39.49% EAR variable	Representative example: If you use an arranged overdraft of £1,200, you'll be charged interest at 39.49% EAR variable. Account fee of £23 per month.	More info Compare product selectionCompare	loading
Not yet rated NatWest Premier Reward Black Cashback	Not yet rated	£39 per month	£1250 per month	0% AER	0% EAR variable on the first £500 and then 34.49% EAR variable	Representative example: If you use an arranged overdraft of £1,200, you'll be charged interest at 0% EAR variable on the first £500 and then 34.49% EAR variable. Account fee of £39 per month.	More info Compare product selectionCompare	loading
8.1Great Natwest Adapt	8.1Great	£0	No minimum funding requirement	1.6% AER			More info Compare product selectionCompare	loading

Showing 11 of 11 results

Finder Score for bank accounts

To make comparing even easier we came up with the Finder Score. Fees, features and customer service across 20+ of the most popular banks are all weighted and scaled to produce a score out of 10. The higher the score the better the account – simple.

Read the full methodology

Types of current accounts from NatWest

NatWest current accounts come with many different options and features, so you have a good chance of finding something that suits your needs.

Standard accounts
NatWest’s Select account is a simple option that makes it easy to manage your finances and doesn’t have a monthly fee. The bank also offers a Foundation account for those who are not eligible for any of NatWest’s other current accounts. You can’t apply for this directly, but you might be offered it.
Learn more about standard current accounts
Reward and incentive accounts
NatWest offers 3 different reward accounts that give you cashback on your direct debit payments in return for a monthly fee. The Reward Silver and Reward Platinum accounts also offer travel insurance and other benefits.
Learn more about reward and incentive accounts
Premium accounts
NatWest Premier accounts offer a series of benefits, such as worldwide travel insurance. However, Premium accounts are only available if you have a certain annual income or amount of savings, so you’ll have to check if you meet the criteria first.
Learn more about premium current accounts
Student accounts
NatWest’s student account offers a decent overdraft option and comes with a 4-year tastecard. However, if these perks don’t appeal to you, you can check and compare our selection of other student accounts. The student account becomes a graduate account once you have graduated.
Learn more about student accounts
Children’s accounts
With NatWest’s Adapt children’s account, children between 11 and 17 can manage their pocket money easily and safely. Alternatively, there’s a pocket money app, Rooster Money, for those aged 3-17. You can compare the alternatives on our dedicated page.
Learn more about children’s accounts
Business accounts
There are 4 business accounts to choose from with NatWest. The bank offers a straightforward business account for those that either have been trading for over a year with a turnover below £1 million or have a turnover above £1 million and have been trading for less than a year. NatWest also offers a free mobile account for sole traders or limited companies with up to 2 owners and balances of up to £100,000, a start-up account for those trading for less than a year with a turnover of less than £1 million, and a community account for not-for-profit organisations.
Learn more about business accounts

What do customers say about NatWest?

95% of customers we surveyed in 2026 would recommend NatWest to a friend.

It is highly valued for its strong customer service and attractive reward schemes. Customers appreciate the empathetic, professional support they receive over the phone, as well as the surprisingly effective "Cora" chatbot for quick queries. The app is secure and easy to use, making everyday banking smooth.

While the ongoing closure of local branches is a disappointment for some long-term customers, the generous switching offers and ongoing cashback rewards keep user satisfaction impressively high.

AI-generated summary from the text of customer reviews on Finder.

Case study: Jamal stays with NatWest as he feels his money is safe

"I have a NatWest current account and I’ve been with NatWest since my mum opened an account for me when I was at school. I stayed with it as a student at uni, and then when I graduated I carried on. It’s been really easy to deal with the bank.

I feel really safe with this bank because once, I was a victim of fraud. They took around £2,000 really quickly. NatWest alerted me and stopped it really fast. And I got the money back.

If there’s one thing you’d tell a friend who’s thinking of getting this, what would it be?

I don’t get perks like cashback with this account, but I think they really protect my money so I’m happy to stay."

Jamal Brown

Kent

NatWest and Finder Awards

Our Finder Awards celebrate brands that truly stand out in their field. NatWest is one of these brands and has won multiple awards!

2025 Provider of the Year Award (Current Account Rewards)
2025 Provider of the Year Award (Premier Bank Account)

Using a NatWest debit card abroad

If you are looking to use your NatWest debit card abroad you may be interested in how much you will be charged when spending or withdrawing cash on your card.

One of NatWest’s most popular current accounts, the NatWest Select Account, charges a 2.75 currency conversion fee for all ATM withdrawals abroad.

Similarly, for overseas card transactions, for example paying the bill at a restaurant by card, there is a 2.75 currency conversion charge.

If you are looking to avoid fees when travelling abroad, we have a guide on debit cards with low foreign transaction fees.

Hands-on test: I tried out NatWest’s mobile banking app

"I like that NatWest has all my accounts visible in one place. I can see my current account, mortgage, savings account and my son’s Rooster Money account as soon as I log into my app. Another thing that NatWest does is allow you to add an account from another bank to your app, so you can have visibility of all your accounts in one place.

Sending money is easy. I feel secure when I do it, as NatWest has biometric confirmation in place before the payment is sent. Features like that and round-ups into your linked savings account make banking with NatWest easy."

Kate Steere

Editor

Pros and cons of banking with NatWest

Perks. Different NatWest current accounts come with different perks, but in general, you have a good range of options to choose from, including cashback on bills, travel insurance, mobile phone insurance and car insurance (breakdown cover).
Multiple ways to bank. With NatWest you can manage your account online 24/7, but you can also register to telephone banking or discuss your option in person at your local branch.
Mobile banking app. NatWest’s mobile app has a clean design and allows you to manage all your NatWest accounts in the same place – including the business ones.
Earn cashback through MyRewards. If you opt for a Reward current account, you’ll be able to earn cashback with selected NatWest partner brands or even just when you pay direct debits from your account and use the app regularly.
Switching bonus. You might be able to earn a cash incentive if you move your main bank account to NatWest from another banking group.

No interest paid on account balances. While NatWest can offers some decent perks, unfortunately it doesn’t usually pay interest on account balances.
Monthly fees. Its reward and premium accounts come with monthly fees.
Eligibility. You have to meet certain criteria to take advantage of the perks on NatWest’s reward and premium accounts, so make sure you read the small print.

Further information about NatWest’s current accounts

NatWest's range of current accounts
Customer service information for NatWest

Minimum age you can apply	11 years old
Account fees	£0-£39 per month
Account types	Basic, current, graduate, student
Opening options	In branch, online, in app, post office, by telephone
Operating options	In branch, online, post office, in app, by telephone, by text
Debit network	Mastercard
Overdrafts available
Switch service available
Packaged accounts available

Email support
Telephone support
In-app or live chat
Contact form
Branch support

Opening an account with NatWest

To open an account with NatWest, you’ll have to provide the following information:

Your personal details and address history
How much you expect to pay in each month
Your salary details and any assets you have
Your nationality/citizenship
Proof of identity (passport, driving licence, EEA or Swiss national identity card)
Proof of address (utility bill, bank statement)

You can open a NatWest account online or by visiting a branch.

Our verdict: Is NatWest a good bank?

NatWest has a broad range of bank accounts, from simple current accounts to those that come with perks such as cashback or travel insurance. The reward accounts tend to come with fees, so you might want to work out if you will earn enough cashback to make it worth it. To benefit from the cashback, you need to pay a certain amount into the account each month or have a certain level of income, so make sure you understand the rules. Unlike some top current accounts, NatWest doesn’t pay interest on balances. If NatWest’s current accounts are not for you, you can also compare other current accounts here.

Frequently asked questions

Finder writers are subject matter experts and use primary sources, in-depth research and interviews with other experts to ensure you're getting accurate, up-to-date information. Articles are fact checked in line with our editorial guidelines.

Our “Best for” picks highlight top options in specific categories based on our independent evaluation (see our full methodology), while “Promoted” tags indicate sponsored placements. Selected products may not suit everyone. We track selected market offers, which may not cover every product. Products are listed in no particular order unless specified, and inclusion or ordering may be influenced by popularity or commercial agreements. Most comparison table data is provided by Defaqto or sourced directly from providers. Always evaluate your own circumstances and consider independent advice before making major financial decisions.

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Written by

Valentina Cipriani

Writer

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Valentina Cipriani was a writer at Finder UK. She wrote news, features and guides about banking and credit cards, helping people to improve their financial lives. She holds an MA in International Journalism. See full bio

Co-written by

Jason Loewenthal

Senior writer

Jason is a writer and editor. He worked as a senior subeditor for Finder for 5 years and in that time became familiar with a wide range of financial products and services. Before that, he worked for Australian Associated Press. He has a BA from Macquarie University in Australia. Jason loves to help other people find new ways to save money. See full bio

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NatWest current accounts review

With NatWest, you can choose from a wide range of current accounts and get rewarded for paying your bills.

Compare NatWest’s current accounts

Finder Score for bank accounts

Types of current accounts from NatWest

Standard accounts

Reward and incentive accounts

Premium accounts

Student accounts

Children’s accounts

Business accounts

What do customers say about NatWest?

NatWest and Finder Awards

Using a NatWest debit card abroad

Pros and cons of banking with NatWest

Further information about NatWest’s current accounts

Opening an account with NatWest

Our verdict: Is NatWest a good bank?

Frequently asked questions

Valentina Cipriani

Jason Loewenthal

More guides on Finder

NatWest current accounts review

With NatWest, you can choose from a wide range of current accounts and get rewarded for paying your bills.

Compare NatWest’s current accounts

Finder Score for bank accounts

Types of current accounts from NatWest

Standard accounts

Reward and incentive accounts

Premium accounts

Student accounts

Children’s accounts

Business accounts

What do customers say about NatWest?

NatWest and Finder Awards

Using a NatWest debit card abroad

Pros and cons of banking with NatWest

Further information about NatWest’s current accounts

Opening an account with NatWest

Our verdict: Is NatWest a good bank?

Frequently asked questions

Does NatWest offer any promotions, discounts or refer-a-friend offers?

Does NatWest offer joint accounts?

Does NatWest offer premium/packaged or premier accounts?

Can I have two NatWest current accounts?

Does NatWest pay interest on current accounts?

What are the NatWest current account terms and conditions?

Sources

Valentina Cipriani

Jason Loewenthal

More guides on Finder

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