NatWest

NatWest: personal, premier and business banking in the UK

NatWest is a bank operating in the UK and structures its offering into four segments: personal, premier, business and corporates & institutions. Its product range includes bank accounts, mortgages, credit cards, loans, savings, investments and insurance, among other financial services.

Bank accounts and everyday services

The bank offers several types of current account: an everyday bank account, a reward bank account, a student bank account, child and teen accounts, a joint account and premier accounts. For existing customers, the site allows you to manage your account, apply for or manage an overdraft and access mobile banking. You can also switch an account from another provider to NatWest, compare accounts and read guides on opening requirements, overdrafts and fees.

Mortgages and home finance

In the mortgage section, NatWest presents options for first-time buyers, moving home, remortgage (transferring your mortgage to NatWest) and buy to let mortgages. The website includes mortgage calculators, the ability to get an Agreement in Principle and continue it, as well as tools to calculate how much you could borrow, overpayment and equity calculators, and a rate change calculator. Existing mortgage customers can manage their loan, switch to a new deal, change their term, borrow more or track their application. It states that NatWest mortgages are available to over 18s and that your home may be repossessed if you do not keep up payments.

Savings and investments

The savings range includes accounts such as Digital Regular Saver, Flexible Saver, Fixed Term Savings, Instant Access Cash ISA, Fixed Rate ISA, Defined Access Saver, children's savings and joint savings account. For existing customers, the site allows you to manage your savings and use the Round Ups feature. It also offers guides on ISAs and savings, a savings goal tool and a budget calculator. In investments, NatWest offers accounts such as Stocks and Shares ISA, General Investment Account, pensions, Junior ISA and ready-made funds, with sections on fund performance, investment support, future planning and market updates. It mentions the possibility of taking online investment advice and an investment fee calculator.

Loans, credit cards and insurance

In loans, the bank offers car finance, debt consolidation, home improvement, wedding, holiday and joint loans. Customers can manage their loan, top it up and use a loan calculator or Quick Quote. In credit cards, the range includes a purchase & balance transfer card, a balance transfer credit card, a longer balance transfer card, a travel reward credit card, the NatWest Credit Card, a reward credit card, Reward Black and the NatWest Credit Builder Card. Guides, repayment calculators and the ability to check your credit score are offered. In insurance, NatWest offers home insurance (buildings, contents and renters) and life insurance, with tools to track and manage existing policies.

Products for children and teenagers

The child and teen banking section includes a pocket money app and card, a child and teen account, a teen bank account (age 16-17), NatWest Junior ISA and First Saver. You can also compare kids debit card options and, for existing customers, manage Adapt, Junior ISA, savings and Rooster Child Trust Fund. The bank publishes guides on financial wellbeing and confidence, as well as the NatWest Thrive programme and tips for teens.

Rewards, overdrafts and travel

The MyRewards programme is linked to accounts such as Reward, Reward Silver, Reward Platinum, Premier Reward and Premier Reward Black, and to cards such as Reward credit card, Reward Black credit card and Travel Reward credit card. The website explains how to earn and exchange rewards, and how to access MyRewards through the app or online banking. For overdrafts, you can apply for or manage one, including student and graduate overdrafts, with guides and eligibility and cost calculators. In travel, NatWest offers a travel account, the Travel Reward Credit Card, the NatWest Credit Card, the Reward Black Credit Card, travel insurance, travel money, holiday loans and sending money abroad, with help on using cards abroad.

Customer support and digital banking

The bank has a support centre with sections on accessibility and disability, money worries, difficult life events, bereavement, card payment support and service status. Contact channels include Ask Cora, complaints and a branch locator. The NatWest app allows you to register, bank and access MyRewards, and online banking has registration and usage guides. Telephone and video banking are also offered, as well as information on security and fraud, money protection, facial and voice approvals, and how to report fraud or disputes.

Editorial content and sustainability

NatWest maintains a personal finance blog with articles on climate resolution, budgeting, debt, energy efficiency and saving. In sustainability, it publishes guides on home energy saving, EPCs, insulation, solar panels, heat pumps, smart meters and home retrofit, as well as ideas for reducing, reusing and recycling, sustainable travel and electric vehicle guides. The bank also describes its approach to climate change.

Promotions current at the time of analysis

The site showed a 1 year Fixed Rate ISA at 4.72% AER/tax free p.a. (fixed), with a 2 year fixed rate option also available, subject to limits and criteria, possible early closure charges and limited availability. It also advertised the chance to enter a draw for £10,000 or 110 other cash prizes (10 of £1,000 and 100 of £100) by setting up a monthly contribution of £50 or more into a Stocks and Shares ISA, General Investment Account or Junior ISA, or increasing your existing contribution by at least £50, with entry before 6 October 2026 and subject to terms, fees and charges; your capital is at risk.