NatWest

Compare NatWest current accounts

Formed out of the merger of National Provincial Bank and Westminster Bank, National Westminster was formed in 1968. NatWest is now part of the Royal Bank of Scotland Group after the biggest take-over in British banking history.

Compare NatWest current accounts - Ordered by interest rate (AER)

 

NatWest NatWest

Select Account

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Overdraft rate (EAR)

Interest rate (AER)

includes bonus of % until

includes bonus of % for month months

Check introductory rate and period with provider

Customer service rating

Great (42%) Ok (39%) Poor (19%)

Customer service ratings provided by users of

  • Online Banking
  • Mobile App
  • Switching Service
  • Direct Debits
Great for
  • No monthly fee
  • Our Mobile Banking app was voted as the ‘Best Banking App’ in the British Bank Awards 2018 for two years in a row
But be aware that
  • You must be 18+ and a UK resident to apply
Go to site
NatWest NatWest

Reward Account

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Overdraft rate (EAR)

Interest rate (AER)

includes bonus of % until

includes bonus of % for month months

Check introductory rate and period with provider

Customer service rating

Great (42%) Ok (39%) Poor (19%)

Customer service ratings provided by users of

  • Cashback
  • Mobile App
  • Overdraft Facility
  • Online Banking
Great for
  • 2% Rewards on eligible household bills if paid by direct debit. Customers earn on average £83 per year on monthly bills of £345.
But be aware that
  • You must be 18+ and a UK resident to apply. £2 monthly fee applies and to earn Rewards you need to access online or mobile banking once every 3 months and pay in £1,500 into your eligible account monthly
Go to site
NatWest NatWest

Reward Silver Account

Go to site

Overdraft rate (EAR)

Interest rate (AER)

includes bonus of % until

includes bonus of % for month months

Check introductory rate and period with provider

Customer service rating

Great (42%) Ok (39%) Poor (19%)

Customer service ratings provided by users of

  • Cashback
  • Mobile App
  • Overdraft Facility
  • Online Banking
Great for
  • Earn 2% in rewards on selected household bills with unlimited rewards if paid by Direct Debit. Customers earn on average £83 per year based on monthly bills of £345
  • Account benefits including European travel insurance, tastecard, mobile phone insurance and up to 40% off cinema tickets. T&Cs apply
But be aware that
  • You must be 18 or over and a UK resident to apply. £10 monthly fee applies. To earn rewards you will need to access digital banking once every three months
Go to site
NatWest NatWest

Reward Platinum Account

Go to site

Overdraft rate (EAR)

Interest rate (AER)

includes bonus of % until

includes bonus of % for month months

Check introductory rate and period with provider

Customer service rating

Great (42%) Ok (39%) Poor (19%)

Customer service ratings provided by users of

  • Cashback
  • Mobile App
  • Overdraft Facility
  • Online Banking
Great for
  • Earn 2% in rewards on selected household bills with unlimited rewards if paid by Direct Debit. Customers earn on average £83 per year based on monthly bills of £345
  • Account benefits including worldwide travel insurance, tastecard, mobile phone insurance and up to 40% off cinema tickets. T&Cs apply
But be aware that
  • You must be 18 or over and a UK resident to apply. £20 monthly fee applies.To earn rewards you need to access online and mobile banking once every three months
Go to site

 

See more current accounts

What types of current account does NatWest offer?

Natwest offer many current accounts for different people and purposes. These include:

Select account, their everyday bank account.

Foundation account, with reduced facilities for people ineligible for other types of current account.

Student and graduate accounts, offering useful benefits for those in or recently leaving further education.

Adapt account, with limited capabilities to give children aged 11-18 a taste of banking.

Reward bank accounts, which come in four varieties.

  • Standard reward – the basic reward account, offering cashback on money spent on bills and at some retailers.
  • Reward silver – an upgrade from the standard reward account, this also offers insurance packages and lifestyle benefits.
  • Reward platinum – with everything offered by Reward silver, plus more travel and insurance services.
  • Reward black – provides all the benefits of platinum, as well as airport lounge access, improved lifestyle and travel benefits, and further insurance packages.

What features do NatWest current accounts have?

Depending on the account you choose, you’ll have access to:

An arranged overdraft: the limit you get will generally depend on your circumstances, including your credit rating how much you earn. Excluding interest-free periods and accounts, such as student or graduate accounts, the NatWest overdraft has in interest rate of 19.89% and a usage fee of £6 a month.

Rewards: different accounts offer different levels of benefits, but these can include:

  • Rewards on household bills – you’ll earn money back on selected household bills.
  • Rewards at partner retailers – you’ll also earn money from purchases at certain retailers.
  • Insurance benefits – some reward accounts offer additional insurance packages for mobile phones, home emergency services, and breakdown cover.
  • Travel benefits – some also offer travel insurance, as well as access to VIP airport lounges, preferential currency rates, and discounts on other travel services.
  • Lifestyle benefits – you can also pick a reward account that offers lifestyle and leisure perks, such as a National Trust pass, a Tastecard for restaurants, and even a concierge service with the reward black account.

Compare NatWest current accounts - Ordered by interest rate (AER)

 

NatWest NatWest

Select Account

Go to site

Overdraft rate (EAR)

Interest rate (AER)

includes bonus of % until

includes bonus of % for month months

Check introductory rate and period with provider

Customer service rating

Great (42%) Ok (39%) Poor (19%)

Customer service ratings provided by users of

  • Online Banking
  • Mobile App
  • Switching Service
  • Direct Debits
Great for
  • No monthly fee
  • Our Mobile Banking app was voted as the ‘Best Banking App’ in the British Bank Awards 2018 for two years in a row
But be aware that
  • You must be 18+ and a UK resident to apply
Go to site
NatWest NatWest

Reward Account

Go to site

Overdraft rate (EAR)

Interest rate (AER)

includes bonus of % until

includes bonus of % for month months

Check introductory rate and period with provider

Customer service rating

Great (42%) Ok (39%) Poor (19%)

Customer service ratings provided by users of

  • Cashback
  • Mobile App
  • Overdraft Facility
  • Online Banking
Great for
  • 2% Rewards on eligible household bills if paid by direct debit. Customers earn on average £83 per year on monthly bills of £345.
But be aware that
  • You must be 18+ and a UK resident to apply. £2 monthly fee applies and to earn Rewards you need to access online or mobile banking once every 3 months and pay in £1,500 into your eligible account monthly
Go to site
NatWest NatWest

Reward Silver Account

Go to site

Overdraft rate (EAR)

Interest rate (AER)

includes bonus of % until

includes bonus of % for month months

Check introductory rate and period with provider

Customer service rating

Great (42%) Ok (39%) Poor (19%)

Customer service ratings provided by users of

  • Cashback
  • Mobile App
  • Overdraft Facility
  • Online Banking
Great for
  • Earn 2% in rewards on selected household bills with unlimited rewards if paid by Direct Debit. Customers earn on average £83 per year based on monthly bills of £345
  • Account benefits including European travel insurance, tastecard, mobile phone insurance and up to 40% off cinema tickets. T&Cs apply
But be aware that
  • You must be 18 or over and a UK resident to apply. £10 monthly fee applies. To earn rewards you will need to access digital banking once every three months
Go to site
NatWest NatWest

Reward Platinum Account

Go to site

Overdraft rate (EAR)

Interest rate (AER)

includes bonus of % until

includes bonus of % for month months

Check introductory rate and period with provider

Customer service rating

Great (42%) Ok (39%) Poor (19%)

Customer service ratings provided by users of

  • Cashback
  • Mobile App
  • Overdraft Facility
  • Online Banking
Great for
  • Earn 2% in rewards on selected household bills with unlimited rewards if paid by Direct Debit. Customers earn on average £83 per year based on monthly bills of £345
  • Account benefits including worldwide travel insurance, tastecard, mobile phone insurance and up to 40% off cinema tickets. T&Cs apply
But be aware that
  • You must be 18 or over and a UK resident to apply. £20 monthly fee applies.To earn rewards you need to access online and mobile banking once every three months
Go to site

 

See more current accounts

NatWest credentials

NatWest is authorised and regulated by the Prudential Regulation Authority, as well as regulated by the Financial Conduct Authority.

Why you should compare current accounts

Finding the right current account can be important, since it’s generally the account that most of us use for day-to-day finances. Shopping around can be a great way to see what’s available, and comparing account providers on MoneySuperMarket lets you see all the important details – from the rate charged on overdrafts to the rate offers on credit, as well as customer service ratings and perks included with the account.

Once you’ve found the account for you, you can switch within seven working days with the Current Account Switch Service – a programme introduced by the government to ensure the process runs smoothly. All of your incoming and outgoing payments are automatically transferred, and everything is taken care of by the bank you’re swapping over to. This includes any potential issues that might come up, such as penalty charges, as well as redirecting accidental payments to and from your old account.

Current accounts. Trust us to explain them simply

  

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