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Natwest’s premier banking options explained.

Updated February 21, 2024

In this guide

Unlike other banks, NatWest’s premier banking options vary in cost and perks. We explain what these accounts offer, if they’re worth it, and the eligibility criteria in place.

Not all current accounts are freely available. In order to attract wealthier clients, some banks offer a range of accounts for those earning over a certain threshold. These are sometimes labelled as Premier bank accounts , and in NatWest’s case they’re available to those earning over £100,000 a year as a sole income.

So what differentiates this range from NatWest’s regular current accounts? And what other eligibility criteria is required to qualify?

In this article we explain:

How do I qualify for a Premier bank account with NatWest?

Premier select, premier reward, premier reward black.

Read more: The best premier bank accounts

*This article contains affiliate links which may earn us revenue

To qualify for NatWest’s premier bank account’s you’ll need to fulfil one of the following eligibility criteria:

• Earn at least £100,000 as a sole income
• If you’re applying for a joint account you’ll need to earn £120,000
• Hold at least £100,000 in savings or investments with NatWest
• Borrow £500,000 with NatWest for a mortgage

On top of this you’ll need to be a permanent UK resident and be 18 or over.

NatWest’s Premier Select account* is its basic premier banking option, coming with no monthly fee. It’s a great option if you’re not interested in added extras, like insurance , and you just want the core features of Premier banking.

Within this account you’ll be able to access a separate team of specialists 24/7 to assist you with your banking needs. In addition, NatWest will put you in touch with a will-writing and executor service to ensure your estate is divided up correctly when you die. For this service a fee will apply.

If you wish, you can also access a range of insurance policies, such as motor and home cover, which also has its separate fees. The advantage of this is that it keeps your policies in one place and under the control of a single mobile app.

As for foreign travel, when you’re using your card abroad you won’t incur any sterling transaction fees. This doesn’t mean you won’t get fee-free spending abroad , because local fees still apply, but it is one of the most costly fees.

One last perk you may enjoy is an overdraft facility, which is available to certain applicants. If approved, you may also get access to a £500 interest free buffer too.

The Premier Rewards card is a mimic of the more widely accessible Reward account. The set-up of both these options is simple, you’ll pay a monthly fee for your account but by completing some basic activities you can earn more than this fee back in cash.  

For the Premier Reward account you’ll earn £9 for making two direct debits each month of at least £4.50 each. Then you can earn an additional £1 by logging into your banking app once a month.

After paying your monthly fee of £2, you could earn £8 a month, which is more than the £3 you can earn with a Rewards account.

It’s also worth noting that in order to qualify for the account’s monthly rewards you’ll need to pay in at least £1,250 into your account each month.

This account comes with some the same perks in the Premier Select account, including access to insurance, will-writing services, a Premier banking team, and an overdraft facility.

NatWest Premier Reward

The Premier Reward Black account is the most comprehensive of NatWest’s three Premier banking options. As a result, it’s the most expensive account too, charging a monthly fee of £31. However, if you use most of its perks, especially its insurance, then it represents great value for money.

Altogether, the Premier Reward account includes mobile phone, breakdown , worldwide travel , and home emergency insurance . If you were to take out these policies separately it’d likely come to more than £31 a month.

In addition, if you make two direct debits worth at least £4.50 a month and log into your app in the same period you’ll earn £10 in cashback. This will reduce your monthly fee to £21 a month, which may make this account worthwhile if you previously found it too expensive.

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If you’re a frequent traveller then you can make use of some additional perks too. This includes a DragonPass Premier+ subscription, which gives you access to over 1,100 airport lounges worldwide, and discounts off packaged holidays through NatWest’s Black Travel Service. However, the latter won’t be a perk for much longer and is set to be removed this March.

For a discount service closer to home, you’ll also get 40% off cinema tickets across the country. If you’d prefer the theatre or opera instead, then some tickets get a 25% discount.

Finally, those with a busy lifestyle may find NatWest’s 24/7 concierge service useful. For this you can get NatWest’s team to make your dinner reservations or book concert tickets by logging a request online or via the app.

NatWest Premier Reward Black

Is natwest’s premier banking right for me.

Other banks keep their premier banking options simple, by offering a single account. This is where NatWest differs, as it offers three different accounts aimed at different types of clientele.

Its Premier Select account is a great option if you want to make use of a personalised banking team, but other providers offer this service too. We’ve listed these options in a separate guide.

This means its Premier Reward could be more lucrative if you make use of the cashback incentive.

Otherwise the Premier Reward Black account could be worthwhile depending on how you wish to use it.

If you only want to make use of its travel incentives, then a potential alternative is to bank with Barclays. Its Premier bank account includes an option to join the Avios scheme at £12 a month. By taking part in this scheme you’ll also receive 1,500 Avios points each month, which is roughly worth £15, and get access to DragonPass.  

Meanwhile, if you have bank accounts overseas you may want to consider HSBC’s premier banking option too. It comes with no monthly fee and allows you to apply for an HSBC Global Money Account. Its main advantage is that it allows you to hold or send money in 50 currencies across 200 countries. In addition it comes with travel insurance too.

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Some of the products promoted are from our affiliate partners from whom we receive compensation. While we aim to feature some of the best products available, we cannot review every product on the market.

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NatWest chooses Allianz Partners as its travel insurance provider

Allianz Partners and NatWest Group have extended their work together.

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Allianz Partners has been appointed by NatWest Group as travel insurance provider to their packaged bank account customers.

The partnership between NatWest and Allianz spans the group’s wider family of brands, including RBS and Ulster Bank. Access will begin from February 2024.

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This follows Allianz Partners’ successful work with Coutts , RBS International and Isle of Man Bank, all part of NatWest Group.

Marcus Latchford, chief sales and distribution office, Allianz Partners UK and Ireland, said: “Our partnership with NatWest Group is thanks to the excellent foundation we have developed over the past five years working with Coutts and other parts of the business. We’re delighted that we are able to extend the partnership to cover the whole Group.”

He continued: “Our digital innovation combined with the ‘human touch’ has enabled us to broaden our share of the UK travel insurance market and this collaboration exemplifies our customer focus and commitment to provide exceptional insurance products and services, embedded within our business partners’ products. We look forward to delivering peace of mind to NatWest Group’s customers.”

Barry Connolly, managing director of Every Day Banking NatWest Group, commented: “Travel insurance is one of the benefits that our packaged account customers tell us they value the most, and we’re really pleased to be working with a global, long-standing trusted partner to enhance the experience customers have when taking out the product and tracking their claims, giving them greater peace of mind.”

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Allianz  UK has also developed an artificial intelligence (AI) t ool to combat fraudulent insurance claims.

Called Incognito, the tool was developed in partnership with specialists from Allianz UK’s operations.

The AI-powered tool flags possibly fraudulent claims, which are submitted to a fraud specialist for thorough analysis and investigation.

Allianz UK said that Incognito has saved the company £1.7m since its creation, and an additional £3.4m is being held in claim reserves while the investigations are still ongoing.

The insurer claims that application fraud savings have risen by 150% in comparison with year-to-date forecasts.

It attributed the surge in fraud cases to a number of factors including the cost-of-living crisis, a weakened economy and the economic downturn.

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The three best bank accounts with travel insurance bolted on: We pick our favourites and whether they're worth paying for

• Some bank accounts include annual worldwide travel insurance
• They often also include car breakdown cover and mobile phone insurance 
• Although there is a monthly cost, having such an account may make sense

By Ed Magnus For Thisismoney.co.uk

Updated: 03:28 EDT, 9 August 2022

View comments

Many Britons will feel a bank account isn't something they're prepared to pay for - after all, most current accounts are 'free'.

However, some packaged bank accounts offer a host of benefits that added together could justify their monthly cost.

The typical perks include free annual worldwide travel insurance, car breakdown cover and mobile phone insurance, often with family members included. 

There is also the convenience factor of having three insurance policies taken care of saving both time and effort in having to organise it separately. 

Some bank accounts charge a monthly fee, but throw in perks such as annual worldwide travel insurance.

Michelle Stevens, banking expert at comparison site Finder, says: 'If you and your family are frequent travellers, then a current account with packaged travel insurance could be well worth the monthly fee, especially given the rising cost of travel insurance premiums in the last two years. 

'But before signing up to any premium current account, it’s important you check that the terms of the travel insurance policy - as well as the other account features and perks - suit your needs.' 

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She adds: 'Another benefit of getting free travel insurance with a current account is that a lot of people usually forgo it - up to 8.6million in 2019 - which is not an advisable move. 

'If you get seriously injured abroad then the bill can reach hundreds of thousands of pounds, so having travel insurance included with a current account may result in a lot of people getting covered who may not have done so otherwise.'

We pick our three favourite current account deals for travel insurance, taking into account the monthly cost and the additional perks on offer.

1.  Nationwide Flex Plus  

This account offers worldwide travel insurance as well as mobile phone and European breakdown cover.

It does come with a £13 monthly charge, which, compared to other packaged bank accounts looks relatively cheap.

Its worldwide family travel insurance, includes winter sports, golf, weddings and business cover.

Nationwide offers worldwide travel, mobile phone and European breakdown cover and charges £13 a month for maintaining the account.

Cover for travel essentials includes luggage, documents and cash as well as protecting against travel-specific problems like delays, cancellations and medical expenses.

Then cancellation cover is up to £5,000, the medical expenses cover up to £10 million, whilst cover for travel disruption will be eligible when caused by natural disasters, or airline or travel end supplier failure.

The policy doesn't cover medical conditions unless they have been declared to Nationwide and accepted. In some instances, you can pay for a medical upgrade to your insurance policy.

Two other clauses to be aware of is that the longest trip length allowed is 31 consecutive days. 

For any person to be insured who is aged 70 or over, they must buy an age upgrade to cover them.

Although the monthly cost will add up to £156 a year, it's possible to offset much of this during the the first year, thanks to Nationwide's current account switching incentive.

Non-Nationwide members can currently get £100 for switching, whilst members who switch to the Flex Plus account could get £125.  

Saves the extra admin: Nationwide's annual travel insurance policy is worldwide, and covers a whole family for multiple trips, not just the individual account holder.

On top of travel insurance, account holders get vehicle breakdown cover both in the UK and the rest of Europe and mobile phone insurance for the whole family.

The car insurance is valid whether someone is a driver or a passenger in a vehicle, and comes with no excess to pay and unlimited callouts.

The mobile insurance covers mobiles belonging to the account holder and those belonging to their partner and dependent children. It covers for loss, theft, damage and faults.

2.  Virgin Money's Club M Account

Virgin's Club M Account comes with a £14.50 monthly charge.

Similar to Nationwide, it offers 31 days' worldwide cover per trip. It will cover the account holder and a partner living with them if there're both under 75, so it's a little more generous on that front.

Virgin's worldwide family multi-trip travel insurance - includes winter sports, golf and weddings. Plus, 24 hour access to a doctor at home or abroad.

There's also cover for up to four dependents under 18 - either in full time education or living with the account holder.

Emergency medical treatment, includes falling ill with coronavirus while away, and cover for the journey home, if it's medically necessary.

It also covers lost, damaged or stolen items, and if the baggage is delayed, any essentials will be paid for in the interim period. It also includes cover for delays or missed departures and winter sports as standard.

Account holders are also covered when cancelling or cutting short a trip if they fall ill with coronavirus as long as they didn't know they had it and weren't being tested for it when they booked their trip. 

The cover includes emergency medical, surgical, hospital, treatment and ambulance costs, as well as any additional accommodation and travel expenses if someone cannot return to the United Kingdom.

There is a maximum allowance of 31 days of worldwide cover per trip.

It covers the account holder and their partner living with them if they're both under 75. There's also cover for up to four dependents under 18. 

A claim will be void if it relates to any medical treatment received because of a medical condition or an illness related to a medical condition which a person knew about at the time of opening the account. 

What else? 

On top of the travel insurance it also offers UK breakdown cover with no call out charges, whether as the driver or the passenger and offers help at the roadside and at home.

It also offers worldwide mobile phone and gadget insurance covering against loss theft, damage, and breakdown

Just make sure you've declared any pre-existing medical conditions and don't leave your valuables unattended to be fully covered.

Its Worldwide family multi-trip travel insurance - including winter sports, golf and weddings. Plus, 24 hour access to a doctor at home or abroad.

Virgin current account holders also benefit from various other perks.

It offers access to an easy-access linked savings account paying 1.71 per cent on balances up to £25,000. C ustomers can also benefit from 2.02 per cent on balances up to £1,000 in their bank account.

New customers switching to the Virgin Money Club M Account can also receive a bonus of 20,000 Virgin Points to spend with Virgin Red, thanks to Virgin Money's latest current account switching offer.

Virgin Red is a rewards club that turns everyday spending into points. Once you are a member, you can earn and spend Virgin Points across almost 200 different rewards.

The 20,000 Virgin Points boost means travellers could get a return flight to Barbados, the Bahamas or St Lucia, while bakery enthusiasts could turn their points into 100 sausage or vegan sausage rolls, 61 coffees or teas or 100 doughnuts or muffins.

3.  Halifax Ultimate Reward Current Account  

Halifax Ultimate Reward current account costs £17 per month, the equivalent of £204 per year. However, there are ways to dramatically reduce this via its cashback and switching offers.

The account includes a family travel insurance policy for the account holder, their spouse or partner and children aged 18 or under, or up to 24 if they're in full time education. 

It includes cover for personal belongings, certain sports and activities such as winter sports golf trips.

At £17 a month Halifax is the most expensive of our three top picks. However, its £150 cash incentive and £5 monthly cashback could help account holders to significantly reduce the cost.

Its cover includes, up to £10million for hospital fees, repatriation, medical confinement, funeral and dental costs incurred if taken ill or injured on your trip. 

Up to £5,000 in total for loss of pre-paid travel and accommodation expenses in the case of cancellation or curtailment. 

It covers personal baggage up to £2,500 if it is lost, damaged or stolen. This includes up to £500 for valuables, and up to £500 for a single item or pair or set of items.

It also covers personal money up to £750 for loss, or theft. This includes up to £300 cover for cash. This is limited to £50 for under 16s.

Watch out: 

Existing medical conditions are not covered, unless these are agreed with the insurer first, and an additional premium may be payable.

The longest trip length is 31 consecutive days. For winter sports, a maximum of 31 days cover in a calendar year.

Halifax's travel insurance covers personal Baggage up to £2,500 if it is lost, damaged or stolen.

It's also worth noting that a £75 excess per adult per incident may apply and to be covered trips must start and end in the UK.

All cover ends when the account holder turns 71. As long as the account holder is less than 71, their spouse or partner will also be covered until they reach 71. 

Eligible children can also be covered so long as they are travelling with the spouse, partner or civil partner of the policyholder. 

What else: 

It also offers car breakdown cover with the AA. This covers any vehicle the account holder is travelling in, at the roadside or at home. But only in the UK. 

For mobile insurance, it covers breakdown, accidental damage, loss and theft up to £2,000. 

However, it only Covers one phone per account holder or two in the case of a joint account. An excess of £100 is payable on all successful claims.

The £17 fee makes it a little more expensive than a few others but there are ways to reduce the cost.

Halifax is currently offering a £150 switching incentive for those who switch from another current account.

On top of the £150 bribe there are other perks to take advantage of. There is a choice of £5 a month paid into the account, two film rentals or three magazine rentals, or a free cinema ticket each month.

In order to benefit from this account holders must choose to either Spend £500 on their debit card each month or Keep at least £5,000 in the account at all times.

They must also pay in £1,500 or more into your account each month and stay in credit - keeping your balance at £0 or above.

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Chase Bank will pay £1% cashback on spending for the first 12 months . Customers also get access to an easy-access linked savings account paying 3.8% on balances up to £250,000. The account is completely free to set up and is entirely app based. Also no charges when using the card abroad.

Nationwide's FlexDirect Account offers 5% in-credit interest to new joiners when they switch on balances up to £1,500. This rate only lasts for one year. The account is fee free.

Halifax Reward Account pays £150 when you switch. Also earn up to an extra £75 cashback when you spend £750 each month for 3 months. There is a £3 monthly account fee, but that’s stopped by paying in at least £1,500 each month.

First Direct will give newcomers £175 when they switch their account . It also offers a £250 interest-free overdraft. Customers must pay in at least £1,000 within three months of opening the account.

NatWest's Select Account account pays £200 when you switch. The account has no monthly charges, but to be elligible for the £200, you'll need to deposit £1,250 into the account and log into mobile banking app within 60 days.

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Everyday banking made easy

To apply, you must be 18+ and resident in the Channel Islands, Isle of Man or Gibraltar. Applicants from Gibraltar must be an existing customer.

Select account overview

Our Select account is made for simple, everyday banking to help you manage your money.

• No monthly fee
• Free access to our mobile banking app
• You’ll get a contactless debit card
• You can make payments up to £100 with one tap
• Joint account option

The key features of our Select account

Debit cards.

Buy things in shops and online, and withdraw your cash from a cash machine.

Debit card details

Overdraft service

We offer an arranged overdraft service on the Select account to those who meet certain conditions. You can either apply for this at the same time as opening your account or add it on at a later time.

More information about overdrafts

To apply you must be 18+ and resident in Jersey, Guernsey, Gibraltar or the Isle of Man. An arranged overdraft is available to those who meet certain conditions. Subject to lending criteria. The minimum overdraft limit you can apply for is £250.

Check your balances, make sterling & international payments, deposit a cheque, get cash without your debit card and more while on the move.

More about our mobile app

App available to customers aged 11+ with compatible iOS and Android devices and a Channel Islands, Isle of Man, UK or international mobile number in  specific countries .

Online banking

With online banking you can view your accounts, make sterling & international payments, make transfers, pay bills and more without leaving your house.

Learn about online banking

Online banking available to customers aged 11+ with a NatWest International account.

Choose your way to pay

Apple pay and google pay.

No need to carry cash. Use your phone as a way to pay when you're out and about, wherever you see the contactless payment logo.

More on Apple & Google Pay

Apple Pay available on selected Apple devices to customers aged 13+. Retailer limits may apply. For more information see the list of supported Apple devices .

Google Pay available on selected Android devices to customers aged 16+. Retailer limits may apply. For more information see the list of minimum requirements for Google Pay .

Switch your account to us

The Current Account Switch Service makes switching from one bank or building society to another simple and stress-free. You can choose a switch date to suit you, just make sure you allow a minimum of 7 working days.

The Current Account Switch Service is not available for accounts held in Gibraltar.

Day to day banking from your screen

Online banking is a fast and secure way to manage your everyday finances with features including:

• Make sterling & international payments
• Manage your Direct Debits and standing orders
• Create text alerts and more

Banking has never been so convenient with our simple mobile banking app.

• Get cash without your debit card
• Transfer money and make payments
• Find your nearest branch or cash machine and more

Common questions about opening a Select account

Do i need to provide id, address and income documents, even if i'm applying online.

Yes. If you're a new or existing customer you’ll need to provide proof of ID, address and/or income. When you open an account with us, it is important we see these documents to protect you and the bank from the risk of fraud. We are unable to process your application without these documents.

If you’re completing your application online, we’ll send you an application pack in the post within 7-10 working days. Please sign the application form and return your documents to us in the pre paid envelope or by visiting your local branch. 

Please ensure that all items from the checklist below are included:

Completed application form, signed and dated

Confirmation of identity

Confirmation of address

Bank statement (at least 1 month)

What documents can you accept?

For  confirmation of identity  we can accept any of the following documents which must have your signature and photograph:

• Current passport.
• Driving licence issued in the Channel Islands, UK, Gibraltar, Isle of Man, an EU member state, USA or Canada.
• National identity card (this excludes cards issued by the United Kingdom).

Please note: We are unable to accept Russian passports for identity verification.

For  confirmation of address  we can accept any one of the following documents which must include your full name (or all initials and surname):

• Utility bill less than 6 months old (electricity, water, gas, landline telephone or rates bills). 
• Bank/Building Society, Credit Card or Mortgage statement (must be less than 6 months old)

Please note: We are unable to accept statements from our branch or mobile telephone bills for address verification.

If a PO Box address is shown, your residential address must also be visible on the document.

Other information required

• At least 1 month statement from your current bank
• We may ask for pay slips in addition

If you are returning your documents in the post, instead of taking them to one of our branches, your documents will need to be certified. The application pack you receive in the post will detail certification requirements. 

How long will it take to open my account?

It can sometimes take up to 4 weeks to open your account. You can start your application online today if you're ready, this takes around 15 minutes. 

After completing an online application, we’ll send you an application pack in the post within 7-10 working days. Once you receive your application pack, you can take the requested documents in to any of our branches or return them, along with the signed application form, in the prepaid envelope provided. 

Alternatively, get in touch to arrange a branch appointment and our friendly staff will help you to complete an application.

What information do I need to start my application online?

Here's some of the information we'll ask for during your online application:

• Your personal details (name, date of birth etc.)
• Your address & contact details
• Your income details 
• Your tax identification number & passport number

Ready to apply?

Before you apply, we've outlined the eligibility for the account below, along with our terms and conditions so you can make sure it's the right account for you.

You can apply for a Select account if you are:

• permanently resident in Jersey, Guernsey, Gibraltar or the Isle of Man, and;
• applicants from Gibraltar must also be an existing customer.

Please review our important information

• Fee information document for Select (PDF, 161 KB)
• Current account interest rates (PDF, 54 KB)

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.

Let's get started...

To speed up your application, we need to run through some quick questions with you. They'll only take a few minutes.

Great, you're ready to apply

Just a heads up - we'll ask you to log in to your Online Banking at the next step.

Get your online application started by clicking 'Start your application' below.  The full name you put on this form must exactly match the one on the photo ID you'll use to apply.

After you’ve finished your online application you’ll receive an email or secure inbox message within 2 working days asking you to:

• Complete our Customer Acceptance form, and;
• Upload your identity documents digitally.

Once we have everything, we’ll open your account and send your new account details to you within 5 working days.

Great, looks like you're ready to apply...

The first step in your application will be completed online. If approved, we’ll send you an application pack in the post within 18-21 working days.

The pack will contain an application form that you should read, sign and return along with any documents we need to confirm your:

• address & identity

Once we have everything, we’ll open your account and send your new account details to you.

Start your application now

Your application will be completed online. Make sure the full name you put on this form exactly matches the one on the photo ID you’ll use to apply. Once approved, we’ll send you an application pack in the post within 18-21 working days.

• address & identity. 

Applying for an account with us

We’re sorry – at this time we’re currently not opening accounts for new customers located in Gibraltar. 

This account is currently only available to applicants located in Jersey, Guernsey, Isle of Man or Gibraltar. 

Our International Personal Banking service is available to customers that meet our minimum age, residency, balance and/or deposit requirements.

Find out more about International Personal Banking

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How do I make a claim on my travel insurance?

To make a travel insurance claim, please login to our Membership Services(opens in a new window) . Alternatively, you can contact us on the numbers below.

0345 609 0453 (Relay UK 18001 0345 609 0453). Lines are open 24/7. If you need emergency assistance whilst abroad call us on: 0345 609 0453 or +44 1252 763 658. Lines are open 24/7, 365 days a year. Charges may apply. Calls may be recorded.

01252 308 792 (Relay UK 18001 01252 308 792). Lines are open 24/7. If you need emergency assistance whilst abroad call us on: 0345 601 5219 or +44 125 230 8792. Lines are open 24/7, 365 days a year. Charges may apply. Calls may be recorded.

0345 601 7188 (Relay UK 18001 0345 601 7188). Lines are open 8am-6pm Mon-Fri, and closed Saturday, Sunday and bank holidays. If you need emergency assistance whilst abroad call us on: 0345 601 7188 or +44 2392 660 340. Lines are open 24/7, 365 days a year. Charges may apply. Calls may be recorded.

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