NatWest

Natwest is one of the largest banks in the UK, and has a network of almost 1,000 branches. Its headquarters are in London. 

It can trace its history back to the Smith’s Bank, which was founded in 1658. It was established in its current form in 1968, following a merger between National Provincial Bank and Westminster Bank. 

It became part of the Royal Bank of Scotland (RBS) Group in 2000. RBS Group is listed on the London Stock Exchange and is a member of the FTSE 100. 

Natwest offers the full range of banking products, from current and savings accounts to personal loans, mortgages and credit cards. It also offers a range of insurance products. 


NatWest
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Bank accounts

Ranked 20th of 30 providers reviewed.

Customer happiness score 59.46%
Customer trust score 54.09%
Complaints performance 58.14%
Transparency rating 79.24%
Fairer Finance score
Reviewed Autumn 2023
63%

Buy Now Pay Later

Ranked 10th of 12 providers reviewed.

Customer happiness score 51.79%
Customer trust score 52.98%
Fairer Finance score
Reviewed Autumn 2023
52%

Credit cards

Ranked 21st of 34 providers reviewed.

Customer happiness score 60.7%
Customer trust score 55.87%
Complaints performance 58.29%
Transparency rating 60.77%
Fairer Finance score
Reviewed Autumn 2023
59%
Gold ribbon: first place

Home emergency cover

Ranked 5th of 35 providers reviewed.

Customer happiness score 56.38%
Customer trust score 62.23%
Complaints performance 76.92%
Transparency rating 71.57%
Fairer Finance score
Reviewed Autumn 2023
67%
Gold ribbon: first place

Home insurance (building and contents)

Ranked 4th of 46 providers reviewed.

Customer happiness score 65.58%
Customer trust score 62.96%
Complaints performance 77.18%
Transparency rating 78.57%
Fairer Finance score
Reviewed Autumn 2023
71%

Investing and pensions

Ranked 27th of 27 providers reviewed.

Customer happiness score 50%
Customer trust score 55.77%
Complaints performance 57.06%
Transparency rating 49.67%
Fairer Finance score
Reviewed Autumn 2023
53%

Mortgages

Ranked 18th of 23 providers reviewed.

Customer happiness score 56.89%
Customer trust score 50.07%
Complaints performance 74.02%
Transparency rating 52.39%
Fairer Finance score
Reviewed Autumn 2023
58%

Personal loans

Ranked 15th of 27 providers reviewed.

Customer happiness score 61.81%
Customer trust score 56.71%
Complaints performance 58.06%
Transparency rating 74.19%
Fairer Finance score
Reviewed Autumn 2023
63%

Savings Accounts

Ranked 40th of 53 providers reviewed.

Customer happiness score 53.71%
Customer trust score 56.64%
Complaints performance 58.06%
Transparency rating 74.98%
Fairer Finance score
Reviewed Autumn 2023
61%

Bank accounts

Basic bank accounts

NatWest

Foundation Account

5 stars
Cash withdrawal fee in UK (own bank) i £0.00
Annual fee i £0.00
Part of FSCS i
Bankers draft/cheque fee i £20.00
Unpaid transaction fee i £0.00
Faster Payment limit i £20,000.00
Maximum cash machine withdrawal per day i £300.00
Can you use your card to pay for items overseas? i

Current accounts

NatWest

Reward

5 stars
Annual fee i £24.00
Maximum cash machine withdrawal per day i £300.00
Part of FSCS i
Cash withdrawal fee in UK (own bank) i £0.00
Card payment fee (£) i £0.00
App capability? i

NatWest

Select

2 stars
Annual fee i £0.00
Maximum cash machine withdrawal per day i £300.00
Part of FSCS i
Cash withdrawal fee in UK (own bank) i £0.00
Card payment fee (£) i £0.00
App capability? i

Foreign use bank accounts

NatWest

Reward Silver

3 stars
Foreign cash withdrawal fee i 2.75%
Foreign cash withdrawal additional charge i £0.00
Foreign purchases fee i 0%
Is there a limit on free cash withdrawals? i No free cash withdrawals

NatWest

Reward Platinum

3 stars
Foreign cash withdrawal fee i 2.75%
Foreign cash withdrawal additional charge i £0.00
Foreign purchases fee i 0%
Is there a limit on free cash withdrawals? i No free cash withdrawals

NatWest

Premier Select Account

3 stars
Foreign cash withdrawal fee i 2.75%
Foreign cash withdrawal additional charge i £0.00
Foreign purchases fee i 0%
Is there a limit on free cash withdrawals? i No free cash withdrawals

NatWest

Premier Reward Black

3 stars
Foreign cash withdrawal fee i 2.75%
Foreign cash withdrawal additional charge i £0.00
Foreign purchases fee i 0%
Is there a limit on free cash withdrawals? i No free cash withdrawals

NatWest

Student bank account

1 stars
Foreign cash withdrawal fee i 2.75%
Foreign cash withdrawal additional charge i £0.00
Foreign purchases fee i 2.75%
Is there a limit on free cash withdrawals? i No free cash withdrawals

NatWest

Foundation Account

1 stars
Foreign cash withdrawal fee i 2.75%
Foreign cash withdrawal additional charge i £0.00
Foreign purchases fee i 2.75%
Is there a limit on free cash withdrawals? i No free cash withdrawals

NatWest

Premier Reward Account

1 stars
Foreign cash withdrawal fee i 2.75%
Foreign cash withdrawal additional charge i £0.00
Foreign purchases fee i 2.75%
Is there a limit on free cash withdrawals? i No free cash withdrawals

NatWest

Select

1 stars
Foreign cash withdrawal fee i 2.75%
Foreign cash withdrawal additional charge i £0.00
Foreign purchases fee i 2.75%
Is there a limit on free cash withdrawals? i No free cash withdrawals

NatWest

Reward

1 stars
Foreign cash withdrawal fee i 2.75%
Foreign cash withdrawal additional charge i £0.00
Foreign purchases fee i 2.75%
Is there a limit on free cash withdrawals? i No free cash withdrawals

Overdrafts

NatWest

Premier Select Account

4 stars
Risk based overdraft? i
Arranged overdraft interest free amount i £500.00
Arranged overdraft interest rate (representative EAR) i 19.49%

NatWest

Premier Reward Black

4 stars
Risk based overdraft? i
Arranged overdraft interest free amount i £500.00
Arranged overdraft interest rate (representative EAR) i 19.49%

NatWest

Select

1 stars
Risk based overdraft? i
Arranged overdraft interest free amount i £0.00
Arranged overdraft interest rate (representative EAR) i 39.49%

NatWest

Reward

1 stars
Risk based overdraft? i
Arranged overdraft interest free amount i £0.00
Arranged overdraft interest rate (representative EAR) i 39.49%

NatWest

Reward Silver

1 stars
Risk based overdraft? i
Arranged overdraft interest free amount i £0.00
Arranged overdraft interest rate (representative EAR) i 39.49%

NatWest

Reward Platinum

1 stars
Risk based overdraft? i
Arranged overdraft interest free amount i £0.00
Arranged overdraft interest rate (representative EAR) i 39.49%

NatWest

Premier Reward Account

1 stars
Risk based overdraft? i
Arranged overdraft interest free amount i £0.00
Arranged overdraft interest rate (representative EAR) i 39.49%

Premium bank accounts

NatWest

Reward Platinum

4 stars
Add-ons, cashback and rewards i £5/month rewards (requires at least two direct debits of at least £2 each and one mobile app login), AWP worldwide travel insurance (including winter sports), UK Insurance UK breakdown insurance provided by the AA, AIG phone insurance, Tastecard, up to 40% off cinema tickets, 10% discount on holidays, hotels, car hire and more, 5% discount when you book a cruise, Airport lounge access for 2 with any flight or holiday booking under Travel services
Part of FSCS or international equivalent i

NatWest

Reward Silver

2 stars
Add-ons, cashback and rewards i £5/month rewards (requires at least two direct debits of at least £2 each and one mobile app login), AWP European travel insurance (including winter sports) for holder and family, AIG phone insurance, Tastecard, up to 40% off cinema tickets
Part of FSCS or international equivalent i

Student bank accounts

NatWest

Student bank account

4 stars
Arranged overdraft limit i £2,000 (£500 in first term)
Tiered repayment of overdraft i
Switching / sign up incentive i

Business Credit Cards

Everyday Business Credit Cards

NatWest

Business Credit Card Mastercard

2 stars
Representative APR i 24.3%
Annual fee in first year i £30.00
Using card in Europe charge i 2.95%
Using card worldwide charge i 2.95%

Foreign Use Business Credit Cards

NatWest

Business Plus Credit Card Mastercard

4 stars
Using card in Europe charge i 0%
Using card worldwide charge i 0%
Annual fee in first year i £70.00
Representative APR i 29%
Rewards i Get 0.5% cashback on every purchase, Limited to £400 per year, 2% on eligible trade/business suppliers and 1% on eligible fuel and accommodation.

NatWest

Business Credit Card Mastercard

3 stars
Using card in Europe charge i 2.95%
Using card worldwide charge i 2.95%
Annual fee in first year i £30.00
Representative APR i 24.3%
Rewards i

Reward Business Credit Cards

NatWest

Business Plus Credit Card Mastercard

1 stars
Rewards i Get 0.5% cashback on every purchase, Limited to £400 per year, 2% on eligible trade/business suppliers and 1% on eligible fuel and accommodation.
Annual Purchase Rate i 13.9%
Annual fee in first year i £70.00
Annual fee after first year i £70.00
Representative APR i 29%
Annual cash withdrawal rate i 13.9%
Using card Europe charge i 0%
Using card worldwide charge i 0%

Children's Accounts

Children's Bank Accounts

NatWest

Child and Teen account

Minimum Age i 11
Interest Rate (AER) First Tier i 2.7%
Maximum Balance First Tier of Interest Covers i Total Balance
Maximum Age i 17
Interest Rate (AER) Second Tier i
Maximum Balance Second Tier of Interest Covers i
Interest Rate (AER) Third Tier i
Maximum Balance Third Tier of Interest Covers i
Maximum Cash Withdrawal i £130.00
Ability to freeze or report a card lost via app? i
Rewards i
Additional information i
Cash Transaction Fee i 0%
Cash Withdrawal Fee i £0.00
Card Delivery Fee i £0.00
Replacement Card Fee i £0.00
Foreign Cash Withdrawal Fee i 2.75%
Foreign Transaction Fee i 2.75%

Children's Prepaid Cards

NatWest

Rooster Card

Minimum Age i 6
Maximum Age i 17
Monthly Fee i £1.99
Saving Goals i
Set Chores i
Interest Rate (AER) First Tier i
Maximum Balance First Tier of Interest Covers i
Interest Rate (AER) Second Tier i
Maximum Balance Second Tier of Interest Covers i
Interest Rate (AER) Third Tier i
Maximum Balance Third Tier of Interest Covers i
Maximum Cash Withdrawal i £500.00
How many children can have accounts? i Unlimited
Rewards i
Additional information i Annual fee to access the full range of features. You cannot top up the account using cash. Great educational features on the app. Children as old as 4 can use it, must be 6 years olf for the card though. Parental controls over where children can spend.
Cash Transaction Fee i 0%
Cash Withdrawal Fee i £0.00
Loading Fee i 3/day or 10/month free, then £0.50
Card Delivery Fee i £0.00
Replacement Card Fee i First free, then £5
Additional Fees i
Foreign Cash Withdrawal Fee i 0.00%
Foreign Transaction Fee i 3% of transaction value on purchases over £50/month
Ability to freeze or report a card lost via app? i

Children's Savings Accounts

NatWest

First Saver

Account Type i Easy Access
Interest Rate (AER) i 2.7%
Minimum Opening Balance i £0.00
Maximum Balance i Unlimited
Notice Period i
Fixed Term Length i
Minimum Age to Open Account i 0
Maximum Age i 16
Withdrawal Penalty i Branch withdrawals are limited to children under the age of 11.
Part of FSCS i
Sharia Account i
Additional Opening Criteria i
Additional Information i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i

Credit cards

0% balance transfer credit cards

NatWest

Balance Transfer Credit Card

4 stars
Duration of 0% balance transfer offer period i 13 months
Balance transfer fee during promotional period i 0%
Representative APR i 24.9%
Balance transfer rate during promotional period i 0%
Highest balance transfer fee during promotional period (%) i 0%
Representative balance transfer rate i 1.873%
Risk based? i

NatWest

Purchase and Balance Transfer Credit Card

3 stars
Duration of 0% balance transfer offer period i 19 months
Balance transfer fee during promotional period i 2.99%
Representative APR i 24.9%
Balance transfer rate during promotional period i 0%
Highest balance transfer fee during promotional period (%) i 2.99%
Representative balance transfer rate i 1.873%
Risk based? i

NatWest

Longer Balance Transfer Credit Card

2 stars
Duration of 0% balance transfer offer period i 23 months
Balance transfer fee during promotional period i 3.49%
Representative APR i 24.9%
Balance transfer rate during promotional period i 0%
Highest balance transfer fee during promotional period (%) i 3.49%
Representative balance transfer rate i 1.873%
Risk based? i

0% purchase credit cards

NatWest

Purchase and Balance Transfer Credit Card

5 stars
Duration of purchases offer period i 19 months
Representative APR i 24.9%
Highest APR i 29.9%
Purchase rate during promotional period i 0%
Representative purchase rate i 1.873%
Number of days before interest is charged on purchases i 56 days
Risk based? i

NatWest

Balance Transfer Credit Card

3 stars
Duration of purchases offer period i 3 months
Representative APR i 24.9%
Highest APR i 29.9%
Purchase rate during promotional period i 0%
Representative purchase rate i 1.873%
Number of days before interest is charged on purchases i 56 days
Risk based? i

NatWest

Longer Balance Transfer Credit Card

3 stars
Duration of purchases offer period i 3 months
Representative APR i 24.9%
Highest APR i 29.9%
Purchase rate during promotional period i 0%
Representative purchase rate i 1.873%
Number of days before interest is charged on purchases i 56 days
Risk based? i

Cashback and reward credit cards

NatWest

Reward

1 stars
Reward extras i
Representative APR i 31%
Risk based? i
Annual fee in first year i £24.00
Annual fee after first year i £24.00
Foreign purchase fee i 2.75%

NatWest

Reward Black

1 stars
Reward extras i
Representative APR i 40.7%
Risk based? i
Annual fee in first year i £84.00
Annual fee after first year i £84.00
Foreign purchase fee i 0%

Foreign use credit cards

NatWest

The NatWest Credit Card

3 stars
Foreign purchase fee i 0%
Foreign withdrawal fee i 3%
Representative APR i 12.9%
Number of days before interest is charged on non-sterling cash transactions i 0 days
Risk based? i
Representative purchase rate i 1.016%

NatWest

Reward Black

3 stars
Foreign purchase fee i 0%
Foreign withdrawal fee i 3%
Representative APR i 40.7%
Number of days before interest is charged on non-sterling cash transactions i 0 days
Risk based? i
Representative purchase rate i 1.663%

NatWest

Purchase and Balance Transfer Credit Card

1 stars
Foreign purchase fee i 2.75%
Foreign withdrawal fee i 3%
Representative APR i 24.9%
Number of days before interest is charged on non-sterling cash transactions i 0 days
Risk based? i
Representative purchase rate i 1.873%

NatWest

Balance Transfer Credit Card

1 stars
Foreign purchase fee i 2.75%
Foreign withdrawal fee i 3%
Representative APR i 24.9%
Number of days before interest is charged on non-sterling cash transactions i 0 days
Risk based? i
Representative purchase rate i 1.873%

NatWest

Reward

1 stars
Foreign purchase fee i 2.75%
Foreign withdrawal fee i 3%
Representative APR i 31%
Number of days before interest is charged on non-sterling cash transactions i 0 days
Risk based? i
Representative purchase rate i 1.937%

NatWest

Longer Balance Transfer Credit Card

1 stars
Foreign purchase fee i 2.75%
Foreign withdrawal fee i 3%
Representative APR i 24.9%
Number of days before interest is charged on non-sterling cash transactions i 0 days
Risk based? i
Representative purchase rate i 1.873%

Low rate credit cards

NatWest

The NatWest Credit Card

3 stars
Representative APR i 12.9%
Highest APR i 18.9%
Representative purchase rate i 1.016%
Risk based? i
Representative balance transfer rate i 1.016%
Representative money transfer rate i 2.005%

Money transfer credit cards

NatWest

Purchase and Balance Transfer Credit Card

1 stars
Money transfer rate during promotional period i
Duration of money transfer offer period i
Money transfer fee during promotional period i
Representative APR i 24.9%
Risk based? i
Representative cash transaction interest rate i 2.005%

NatWest

The NatWest Credit Card

1 stars
Money transfer rate during promotional period i
Duration of money transfer offer period i
Money transfer fee during promotional period i
Representative APR i 12.9%
Risk based? i
Representative cash transaction interest rate i 2.005%

NatWest

Reward

1 stars
Money transfer rate during promotional period i
Duration of money transfer offer period i
Money transfer fee during promotional period i
Representative APR i 31%
Risk based? i
Representative cash transaction interest rate i 2.005%

NatWest

Reward Black

1 stars
Money transfer rate during promotional period i
Duration of money transfer offer period i
Money transfer fee during promotional period i
Representative APR i 40.7%
Risk based? i
Representative cash transaction interest rate i 2.005%

NatWest

Balance Transfer Credit Card

1 stars
Money transfer rate during promotional period i
Duration of money transfer offer period i
Money transfer fee during promotional period i
Representative APR i 24.9%
Risk based? i
Representative cash transaction interest rate i 2.005%

NatWest

Longer Balance Transfer Credit Card

1 stars
Money transfer rate during promotional period i
Duration of money transfer offer period i
Money transfer fee during promotional period i
Representative APR i 24.9%
Risk based? i
Representative cash transaction interest rate i 2.005%

Home emergency cover

NatWest

Premier Home Emergency (HNW)

5 stars
Home Security Cover i
Home Emergency Cover limit i £1,500.00
Internal plumbing and drainage i
Primary Heating System i
Boiler breakdown cover
Annual boiler service i
Internal gas supply pipe cover i
Pest infestation cover i
Domestic Power supply covered? i
Cover Type i Add-On
Alternative Accommodation Cover i £500.00
Unoccupied period i 60
Claims limit i Unlimited

NatWest

Premier Home Emergency

5 stars
Home Security Cover i
Home Emergency Cover limit i £1,500.00
Internal plumbing and drainage i
Primary Heating System i
Boiler breakdown cover
Annual boiler service i
Internal gas supply pipe cover i
Pest infestation cover i
Domestic Power supply covered? i
Cover Type i Add-On
Alternative Accommodation Cover i £500.00
Unoccupied period i 60
Claims limit i Unlimited

NatWest

Home Emergency (Elite Home)

4 stars
Home Security Cover i
Home Emergency Cover limit i £500.00
Internal plumbing and drainage i
Primary Heating System i
Boiler breakdown cover
Annual boiler service i
Internal gas supply pipe cover i
Pest infestation cover i
Domestic Power supply covered? i
Cover Type i Add-On
Alternative Accommodation Cover i £250.00
Unoccupied period i 60
Claims limit i Unlimited

NatWest

Home Emergency (Standard Home)

4 stars
Home Security Cover i
Home Emergency Cover limit i £500.00
Internal plumbing and drainage i
Primary Heating System i
Boiler breakdown cover
Annual boiler service i
Internal gas supply pipe cover i
Pest infestation cover i
Domestic Power supply covered? i
Cover Type i Add-On
Alternative Accommodation Cover i £250.00
Unoccupied period i 60
Claims limit i Unlimited

NatWest

Premier Reward Black Account Home Emergency

3 stars
Home Security Cover i
Home Emergency Cover limit i £750.00
Internal plumbing and drainage i
Primary Heating System i
Boiler breakdown cover
Annual boiler service i
Internal gas supply pipe cover i
Pest infestation cover i
Domestic Power supply covered? i
Cover Type i Add-On
Alternative Accommodation Cover i £250.00
Unoccupied period i 60
Claims limit i Unlimited

Home insurance (building and contents)

NatWest

Elite Home Insurance

4 stars
Theft from outbuildings i £5,000.00
Coverage limit for cycles within the home i Sum insured
Matching sets (contents) i
Alternative accommodation cover limit for buildings i £50,000.00
Protection against inflation (Buildings)
Buildings cover limit i Unlimited
Trace and access i £10,000.00
Keys/locks if lost or stolen (Buildings) i Sum insured
Contents cover limit i £100,000.00
Money in the home i £1,000.00
Visitor's possessions i £1,000.00
Office equipment i £10,000.00
Alternative accommodation cover limit for contents i £30,000.00
Escape of water excess (minimum) i £450.00
Cancellation fee within 14 days i £0.00
Cancellation fee after 14 days i £26.88
Contents compulsory excess i £50.00
Flood excess i £250.00
Property owner liability i £5,000,000.00
Liability to domestic employees i £10,000,000.00
Liability as a tenant i £10,000.00
Replace belongings new for old i

NatWest

Standard Home Insurance

3 stars
Theft from outbuildings i £2,500.00
Coverage limit for cycles within the home i Sum insured
Matching sets (contents) i
Alternative accommodation cover limit for buildings i £25,000.00
Protection against inflation (Buildings)
Buildings cover limit i Unlimited
Trace and access i £5,000.00
Keys/locks if lost or stolen (Buildings) i Sum insured
Contents cover limit i £50,000.00
Money in the home i £500.00
Visitor's possessions i £500.00
Office equipment i £5,000.00
Alternative accommodation cover limit for contents i £15,000.00
Escape of water excess (minimum) i £450.00
Cancellation fee within 14 days i £0.00
Cancellation fee after 14 days i £26.88
Contents compulsory excess i £50.00
Flood excess i £250.00
Property owner liability i £2,000,000.00
Liability to domestic employees i £5,000,000.00
Liability as a tenant i £5,000.00
Replace belongings new for old i

Buildings insurance

NatWest

Elite Home Insurance

3 stars
Matching sets (Buildings) i
Escape of water excess (minimum) i £450.00
Buildings compulsory excess i £50.00
Escape of water excess i
Unoccupied period i 60.00 days
Helpline i
Cancellation fee after 14 days (buildings) i £26.88
Amendment fee (telephone) i £0.00
Property owner liability i £5,000,000.00

NatWest

Standard Home Insurance

2 stars
Matching sets (Buildings) i
Escape of water excess (minimum) i £450.00
Buildings compulsory excess i £50.00
Escape of water excess i
Unoccupied period i 60.00 days
Helpline i
Cancellation fee after 14 days (buildings) i £26.88
Amendment fee (telephone) i £0.00
Property owner liability i £2,000,000.00

Contents insurance

NatWest

Elite Home Insurance

4 stars
Matching sets (contents) i
Theft from outbuildings i £5,000.00
Windspeed (mph) i Not Defined
Property owner liability i £5,000,000.00

NatWest

Standard Home Insurance

3 stars
Matching sets (contents) i
Theft from outbuildings i £2,500.00
Windspeed (mph) i Not Defined
Property owner liability i £2,000,000.00

Investing and pensions

Ready-made Junior ISAs

NatWest

Natwest Junior ISA portfolio

4 stars
Cost (Year 1) i £310.00
Account closure fee £0.00
Charge for transferring investments to another platform i £0.00
Charge for selling holdings if not enough money in account for charges £0.00
Completing paper applications
Cash withdrawal by BACs £0.00
Same day payment/payment by CHAPs
Early account closure fee £0.00
Cost of receiving paper statements for a year
Charge for transferring cash to another platform i £0.00
Does the provider have a mobile app?

Ready-made Stocks and Shares ISAs

NatWest

Natwest portfolio

4 stars
Cost (Year 1) i £310.00
Account closure fee £0.00
Charge for transferring investments to another platform i £0.00
Charge for selling holdings if not enough money in account for charges £0.00
Completing paper applications
Cash withdrawal by BACs £0.00
Same day payment/payment by CHAPs
Early account closure fee £0.00
Cost of receiving paper statements for a year
Charge for transferring cash to another platform i £0.00
Is there a mobile app?

Life insurance

Over 50s life insurance

NatWest

Guaranteed Sixty-Plus Life Insurance (increasing insurance)

2 stars
Age when premiums stop i 90
Cover for accidental death in waiting period i 300%
How long after policy is started can full benefits be claimed? i 24 months
Cover type (level or increasing) i Increasing
Signing up incentive i £100 Gift Card
Minimum age i 60
Maximum age i 80
Cover for non-accidental death in waiting period (% of premiums paid) i 150%
Payout for accidental death outside waiting period i 100%
How much for terminal illness benefit? i £0.00
How much will be paid for serious illness? i £0.00
Can you reduce monthly payments? i
If a payment is missed, how long until the policy is cancelled? i 30 days
Does the policy offer the customer a proportionate amount of money back if they choose to cancel after paying 50% or more of the scheduled monthly payments? i
Rate used to calculate increasing cover i RPI
Discount offered with a funeral provider? i
Funeral benefit option provider i

NatWest

Guaranteed Sixty-Plus Life Insurance (level insurance)

2 stars
Age when premiums stop i 90
Cover for accidental death in waiting period i 300%
How long after policy is started can full benefits be claimed? i 24 months
Cover type (level or increasing) i Level
Signing up incentive i £100 Gift Card
Minimum age i 60
Maximum age i 80
Cover for non-accidental death in waiting period (% of premiums paid) i 150%
Payout for accidental death outside waiting period i 100%
How much for terminal illness benefit? i £0.00
How much will be paid for serious illness? i £0.00
Can you reduce monthly payments? i
If a payment is missed, how long until the policy is cancelled? i 30 days
Does the policy offer the customer a proportionate amount of money back if they choose to cancel after paying 50% or more of the scheduled monthly payments? i
Rate used to calculate increasing cover i
Discount offered with a funeral provider? i
Funeral benefit option provider i

Personal loans

NatWest

Existing Customer Personal Loan

Representative APR (on £5,000 loan, 36 month term) 9.9%
Unpaid Repayment Fee i £0.00
Early settlement fee (Days interest) 58 days
Available to new customers? i
Eligibility checker
Minimum borrowing amount £1,000.00
Maximum borrowing amount £50,000.00
Minimum borrowing length 12 months
Maximum borrowing length 96 months

NatWest

Home Improvement Loan

Representative APR (on £5,000 loan, 36 month term) 9.9%
Unpaid Repayment Fee i £0.00
Early settlement fee (Days interest) 58 days
Available to new customers? i
Eligibility checker
Minimum borrowing amount £1,000.00
Maximum borrowing amount £50,000.00
Minimum borrowing length 12 months
Maximum borrowing length 120 months

Pet insurance

Cat insurance

NatWest

Premier Pet Insurance

4 stars
Type of cover i Lifetime, annual
Medical cover limit i £8,000.00
Medical excess i Variable
Annual policy limit i £8,000.00
Annual condition limit i
Lifetime policy limit i Unlimited
Lifetime condition limit i
Dental cover (if due to an accident) i £500.00
Cruciate ligament damage i £8,000.00
CT scans i £8,000.00
MRI scans i £8,000.00
Prescribed food i £250.00
Complementary treatment i £1,000.00
Boarding fees limit i £1,000.00
Death benefit (illness) i £1,500.00
Euthanasia cover limit i £100.00
Cremation i £200.00
Holiday cancellation i £5,000.00
Holiday cover i £8,000.00
Quarantine costs cover i £2,000.00
Loss of PETS passport or other travel documents i £250.00
Emergency expenses abroad i £500.00
Maximum number of days abroad i
Age when compulsory excess rises i 11 years
Cancellation fee i £0.00
Amendment fee i £0.00
If renewed, are existing conditions covered? i

Dog insurance

NatWest

Premier Pet Insurance

4 stars
Type of cover i Lifetime, annual
Medical cover limit i £8,000.00
Medical excess i Variable
Annual policy limit i £8,000.00
Annual condition limit i
Lifetime policy limit i Unlimited
Lifetime condition limit i
Dental cover (if due to an accident) i £500.00
Cruciate ligament damage i £8,000.00
CT scans i £8,000.00
MRI scans i £8,000.00
Prescribed food i £250.00
Complementary treatment i £1,000.00
Euthanasia cover limit i £100.00
Cremation i £200.00
Age when compulsory excess rises i 7 years
Amendment fee i £0.00
Holiday cancellation i £5,000.00
Holiday cover i £8,000.00
If renewed, are existing conditions covered? i

Savings Accounts

1 Year Fixed Rate Accounts

NatWest

1 Year Fixed Term Savings Account Issue 218

Interest Rate (AER) i 4.3%
Minimum Opening Balance i £1.00
What happens at maturity? i The provider will contact you before the maturity date requesting instruction. If they receive no further instructions by the maturity date they will reinvest the funds into a cash management account.
Part of FSCS i
Maximum Balance i £5,000,000.00
Minimum Age to Open Account i 16
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i
Can you make early withdrawals? i
Withdrawal Penalty i

2 Year Fixed Rate Accounts

NatWest

2 Year Fixed Term Savings Account Issue 219

Interest Rate (AER) i 3.8%
Minimum Opening Balance i £1.00
What happens at maturity? i The provider will contact you before the maturity date requesting instruction. If they receive no further instructions by the maturity date they will reinvest the funds into a cash management account.
Part of FSCS i
Maximum Balance i £5,000,000.00
Minimum Age to Open Account i 16
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i
Can you make early withdrawals? i
Withdrawal Penalty i

Easy Access Accounts

NatWest

Flexible Saver

Interest Rate (AER) i 2.25%
Minimum Opening Balance i £0.00
Maximum Balance i Unlimited
Part of FSCS i
Withdrawal Penalty i
Minimum Age to Open Account i 16
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i Must be a current account customer
Penalty free withdrawals? i
Additional Information i

Regular Savers

NatWest

Digital Regular Saver

Interest Rate (AER) i 6.17%
Maximum Balance i Unlimited
Withdrawal Penalty i
Minimum Monthly Investment i £1.00
Maximum Monthly Investment i £150.00
Minimum Opening Balance i £0.00
Minimum Age to Open Account i 16
Sharia Account i
Part of FSCS i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i Must have or open a current account with Natwest.
Notice Period i
Fixed Term Length i
Additional Information i 1.00% paid on portion over £5K. Regular standing order must be set up upon opening for any amount between £1 - £150. Money can be added from Round Ups (available to eligible customers) and this does not count towards the £150 maximum deposit limit.

Savings Accounts (ISAs)

1 Year Fixed Rate ISAs

NatWest

1 Year Fixed Rate ISA Issue 342

Interest Rate (AER) i 4.3%
Minimum Opening Balance i £1,000.00
What happens at maturity? i The provider will contact you before the account matures. If you don't instruct them the money will be transferred into a variable rate account until you instruct them further or withdraw the funds.
Part of FSCS i
Minimum Age to Open Account i 16
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i
Can you make early withdrawals? i
Withdrawal Penalty (days) i Withdrawals available until 16/12/2022, after that date early closure will be charged the lower amount of interest earned or 90 days interest.
Can you transfer in funds from another cash ISA? i
Can you transfer in funds from a stocks and shares ISA? i

2 Year Fixed Rate ISAs

NatWest

2 Year Fixed Rate ISA Issue 343

Interest Rate (AER) i 3.8%
Minimum Opening Balance i £1,000.00
What happens at maturity? i The provider will contact you before the account matures. If you don't instruct them the money will be transferred into a variable rate account until you instruct them further or withdraw the funds.
Part of FSCS i
Minimum Age to Open Account i 16
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i
Can you make early withdrawals? i
Withdrawal Penalty (days) i Withdrawals available until 16/12/2022, after that date early closure will be charged the lower amount of interest earned or 90 days interest.
Can you transfer in funds from another cash ISA? i
Can you transfer in funds from a stocks and shares ISA? i

Easy Access ISAs

NatWest

Cash ISA

Interest Rate (AER) i 1.75%
Minimum Opening Balance i £0.00
Part of FSCS i
Withdrawal Penalty i
Minimum Age to Open Account i 16
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i
Penalty free withdrawals? i
Can you transfer in funds from another cash ISA? i
Can you transfer in funds from a stocks and shares ISA? i

Travel insurance

Annual multi-trip insurance

NatWest

Platinum

4 stars
Medical excess i £75.00
Personal Possessions and Baggage - damaged, lost or stolen - cover limit i £1,500.00
Cancelling before travel cover limit i £5,000.00
Emergency medical cover and repatriation cover limit i £10,000,000.00
Mental health cover i
Personal money i £500.00
Combined passport & travel documents cover limit i £750.00
Cutting trip short (curtailment) cover limit i £5,000.00
Abandoning your trip (abandonment) cover limit i £5,000.00
Natural disaster relocation cover i
Max trip duration i 31 days

NatWest

Black

4 stars
Medical excess i £75.00
Personal Possessions and Baggage - damaged, lost or stolen - cover limit i £2,500.00
Cancelling before travel cover limit i £10,000.00
Emergency medical cover and repatriation cover limit i £10,000,000.00
Mental health cover i
Personal money i £500.00
Combined passport & travel documents cover limit i £750.00
Cutting trip short (curtailment) cover limit i £10,000.00
Abandoning your trip (abandonment) cover limit i £10,000.00
Natural disaster relocation cover i
Max trip duration i 90 days

NatWest

Silver

4 stars
Medical excess i £75.00
Personal Possessions and Baggage - damaged, lost or stolen - cover limit i £1,500.00
Cancelling before travel cover limit i £5,000.00
Emergency medical cover and repatriation cover limit i £10,000,000.00
Mental health cover i
Personal money i £500.00
Combined passport & travel documents cover limit i £750.00
Cutting trip short (curtailment) cover limit i £5,000.00
Abandoning your trip (abandonment) cover limit i £5,000.00
Natural disaster relocation cover i
Max trip duration i 22 days

Single trip insurance

NatWest

Silver

4 stars
Cancelling before travel cover limit i £5,000.00
Medical excess i £75.00
Personal Possessions and Baggage - damaged, lost or stolen - cover limit i £1,500.00
Cutting trip short curtailment cover limit i £5,000.00
Missed departure cover limit i £1,000.00
Abandoning your trip (abandonment) cover limit i £5,000.00
Emergency medical cover and repatriation cover limit i £10,000,000.00
Personal money i £500.00
Combined passport & travel documents limit i £750.00

NatWest

Platinum

4 stars
Cancelling before travel cover limit i £5,000.00
Medical excess i £75.00
Personal Possessions and Baggage - damaged, lost or stolen - cover limit i £1,500.00
Cutting trip short curtailment cover limit i £5,000.00
Missed departure cover limit i £1,000.00
Abandoning your trip (abandonment) cover limit i £5,000.00
Emergency medical cover and repatriation cover limit i £10,000,000.00
Personal money i £500.00
Combined passport & travel documents limit i £750.00

NatWest

Black

4 stars
Cancelling before travel cover limit i £10,000.00
Medical excess i £75.00
Personal Possessions and Baggage - damaged, lost or stolen - cover limit i £2,500.00
Cutting trip short curtailment cover limit i £10,000.00
Missed departure cover limit i £1,000.00
Abandoning your trip (abandonment) cover limit i £10,000.00
Emergency medical cover and repatriation cover limit i £10,000,000.00
Personal money i £500.00
Combined passport & travel documents limit i £750.00

Travel insurance add-on: winter sports

NatWest

Platinum

2 stars
Ski equipment owned cover limit i £400.00
Single owned item cover limit i £0.00
Cover limit for hire of ski equipment due to loss/damage/delay to own equipment i £200.00
Avalanche closure cover limit i £200.00
Piste closure cover limit i £930.00
Ski equipment owned excess i £75.00
Ski equipment hired i £400.00
Single item limit for hired equipment i £0.00
Unused ski pass due to illness or injury i £150.00

NatWest

Black

2 stars
Ski equipment owned cover limit i £400.00
Single owned item cover limit i £0.00
Cover limit for hire of ski equipment due to loss/damage/delay to own equipment i £200.00
Avalanche closure cover limit i £200.00
Piste closure cover limit i £930.00
Ski equipment owned excess i £75.00
Ski equipment hired i £400.00
Single item limit for hired equipment i £0.00
Unused ski pass due to illness or injury i £250.00

NatWest

Silver

2 stars
Ski equipment owned cover limit i £400.00
Single owned item cover limit i £0.00
Cover limit for hire of ski equipment due to loss/damage/delay to own equipment i £200.00
Avalanche closure cover limit i £200.00
Piste closure cover limit i £660.00
Ski equipment owned excess i £75.00
Ski equipment hired i £400.00
Single item limit for hired equipment i £0.00
Unused ski pass due to illness or injury i £150.00