{"id":574357,"date":"2026-03-09T13:58:32","date_gmt":"2026-03-09T13:58:32","guid":{"rendered":"https:\/\/www.finder.com\/uk\/?p=574357"},"modified":"2026-03-09T13:58:32","modified_gmt":"2026-03-09T13:58:32","slug":"natwest-reward-silver-account","status":"publish","type":"post","link":"https:\/\/www.finder.com\/uk\/current-accounts\/natwest-reward-silver-account","title":{"rendered":"NatWest Reward Silver account: Is it worth it?"},"content":{"rendered":"<h3>What is the NatWest Reward Silver account?<\/h3><p>The NatWest Reward Silver account is a packaged bank account that offers a range of perks in return for a monthly fee of \u00a310. To apply, you must be an existing NatWest current account customer. <\/p><p>The account is a step down from the NatWest Reward Platinum account, which means it charges a lower fee but offers fewer benefits. However, for some people, this will be enough.<\/p><h3>How does it work?<\/h3><p>If you apply for the NatWest Reward Silver account you\u2019ll benefit from 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>European travel insurance<\/h4><p>Provides cover for trips of up to 22 days, including cancellation, baggage, emergency medical treatment and winter sports. Cover only applies to the account holder. <\/p><h4>Mobile phone insurance<\/h4><p>This covers your mobile phone against loss, damage, theft and breakdown wherever you are in the world. <\/p><h4>Fee-free spending abroad<\/h4><p>Pay no fees when you spend on your card overseas. 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><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>If you withdraw cash on your card overseas, you\u2019ll be charged a non-sterling transaction fee of 2.75%.<\/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\">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-0000000001\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <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>\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\">Our \u201cBest for\u201d picks highlight top options in specific categories based on our independent evaluation (see our <a href=\"https:\/\/www.finder.com\/uk\/finder-score\">full methodology<\/a>), while \u201cPromoted\u201d 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.<\/div><\/article>","protected":false},"excerpt":{"rendered":"<p>We explore what the NatWest Reward Silver packaged account has to offer.<\/p>\n","protected":false},"author":1047,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_yoast_wpseo_focuskw":"NatWest Reward Silver account review","_yoast_wpseo_title":"NatWest Reward Silver account","_yoast_wpseo_metadesc":"Learn more about the key benefits of opening a NatWest Reward Silver 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13:58:35\",\"timezone_offset\":\" +00:00\",\"last_update_summary\":\"\"}","_last_major_update":"","_search_priority":0,"feature_finder_bot_teaser_enabled":false,"feature_finder_bot_teaser_message":"","feature_finder_bot_teaser_placeholder":"","feature_finder_bot_teaser_suggestions":"","footnotes":""},"categories":[3763],"tags":[],"asset_tag":[],"class_list":["post-574357","post","type-post","status-publish","format-standard","hentry","category-current-accounts"],"apple_news_notices":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.6.1 (Yoast SEO v27.6) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>NatWest Reward Silver account<\/title>\n<meta name=\"description\" content=\"Learn more about the key benefits of opening a NatWest Reward Silver account.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.finder.com\/uk\/current-accounts\/natwest-reward-silver-account\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"NatWest Reward Silver account: Is it worth it?\" \/>\n<meta property=\"og:description\" content=\"Learn more about the key benefits of opening a NatWest Reward Silver account.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.finder.com\/uk\/current-accounts\/natwest-reward-silver-account\" \/>\n<meta property=\"og:site_name\" content=\"Finder UK\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/findercomuk\" \/>\n<meta property=\"article:published_time\" content=\"2026-03-09T13:58:32+00:00\" \/>\n<meta name=\"author\" content=\"Rachel Wait\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@https:\/\/twitter.com\/rachelwait?lang=en\" \/>\n<meta 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