{"id":574355,"date":"2026-03-09T13:58:26","date_gmt":"2026-03-09T13:58:26","guid":{"rendered":"https:\/\/www.finder.com\/uk\/?p=574355"},"modified":"2026-03-09T14:05:25","modified_gmt":"2026-03-09T14:05:25","slug":"natwest-reward-platinum-account","status":"publish","type":"post","link":"https:\/\/www.finder.com\/uk\/banking\/natwest-reward-platinum-account","title":{"rendered":"NatWest Reward Platinum account: Is it worth it?"},"content":{"rendered":"<h3>What is the NatWest Reward Platinum account?<\/h3><p>The NatWest Reward Platinum account is a packaged bank account that offers both cash rewards and perks such as insurance to its customers. In return, you must pay a monthly fee of \u00a322. <\/p><p>To apply, you must already be an existing NatWest current account customer. You can then upgrade your account online or in the app. <\/p><h3>How does it work?<\/h3><p>If you sign up for the NatWest Reward Platinum account, you\u2019ll be able to take advantage of the following features: <\/p><h4>Monthly Rewards<\/h4><p>Earn \u00a34 a month in Rewards for having 2 or more direct debits on your account (of at least \u00a32). Plus earn \u00a31 a month in Rewards just by logging into the mobile app. Rewards can be transferred into your account, or you can donate them to charity or exchange them for gift cards for partner retailers.<\/p><p>You can also earn 1% back in Rewards when spending at selected retailers. <\/p><h4>Worldwide family travel insurance<\/h4><p>This covers you for trips of up to 31 days across the globe. It includes emergency medical expenses, cancellations, baggage and more. <\/p><h4>Mobile phone insurance<\/h4><p>Protect your phone against loss, theft, accidental damage and breakdown wherever you are in the world. <\/p><h4>UK breakdown cover<\/h4><p>Breakdown cover provided by the AA covers all vehicles you own and travel in, across the UK.  <\/p><h4>Fee-free spending abroad<\/h4><p>Spend on your card across the globe with no foreign transaction fees (this doesn\u2019t apply to ATM withdrawals).<\/p><h4>Cinema discount<\/h4><p>Benefit from savings on cinema tickets at more than 250 cinemas nationwide.<\/p><h4>Tastecard<\/h4><p>Enjoy a free tastecard to give you discounts at restaurants across the UK.<\/p><h3>Frequently asked questions<\/h3><p>Frequently asked questions<ul class=\"luna-accordionGroup accordionGroup\">\n\t<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000000\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000000\">\n                <span class=\"luna-accordion__title\">How much does it cost to withdraw cash on my card abroad?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000000\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p><p>If you withdraw cash on your card overseas, you\u2019ll be charged a non-sterling transaction fee of 2.75%.<\/p><\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000001\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000001\">\n                <span class=\"luna-accordion__title\">Who is covered under travel insurance?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000001\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p><p>Family travel insurance covers you and your partner, plus any dependent children under the age of 18 at the start of the trip \u2013 or under 23 if they are in full-time education. Children must live with you or the other parent.<\/p><\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000002\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000002\">\n                <span class=\"luna-accordion__title\">How do I exchange my Rewards?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000002\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p><p>You can exchange Rewards once your balance is at least \u00a35. You will be able to do this in the app or through online banking.<\/p><\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n\n<\/ul>\n<article class=\"luna-card luna-card--alt\"><div class=\"luna-card__block has-padding-small\">We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms \"best\", \"top\", \"cheap\" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our <a href=\"https:\/\/www.finder.com\/uk\/terms-of-use\" class=\"fin-text-navy\">terms of use<\/a>. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you. Most of the data in Finder's comparison tables is provided by Defaqto. In other cases, Finder has sourced data directly from providers.<\/div><\/article>","protected":false},"excerpt":{"rendered":"<p>Benefit from perks such as travel insurance, mobile phone insurance and breakdown cover with the NatWest Reward Platinum account.<\/p>\n","protected":false},"author":1047,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"apple_news_api_created_at":"","apple_news_api_id":"","apple_news_api_modified_at":"","apple_news_api_revision":"","apple_news_api_share_url":"","apple_news_cover_media_provider":"image","apple_news_coverimage":0,"apple_news_coverimage_caption":"","apple_news_cover_video_id":0,"apple_news_cover_video_url":"","apple_news_cover_embedwebvideo_url":"","apple_news_is_hidden":"","apple_news_is_paid":"","apple_news_is_preview":"","apple_news_is_sponsored":"","apple_news_maturity_rating":"","apple_news_metadata":"\"\"","apple_news_pullquote":"","apple_news_pullquote_position":"","apple_news_slug":"","apple_news_sections":[],"apple_news_suppress_video_url":false,"apple_news_use_image_component":false,"nicheCode":"","productId":"","enableOptimizely":false,"_persistent_nav_menu_items":[],"blockTemplateId":"","_post_hreflang":"","related_url":"\/natwest-reward-platinum-account","footnotes":""},"categories":[1045],"tags":[],"asset_tag":[],"class_list":["post-574355","post","type-post","status-publish","format-standard","hentry","category-banking"],"apple_news_notices":[],"yoast_head":"<!-- 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