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 21st of 28 providers reviewed.

Customer happiness 61.08%
Customer trust 56.76%
Complaints performance 60.25%
Transparency rating 78.75%
Fairer Finance score
Reviewed Autumn 2022
64%

Credit cards

Ranked 19th of 31 providers reviewed.

Customer happiness 60.72%
Customer trust 57.53%
Complaints performance 60.25%
Transparency rating 58.61%
Fairer Finance score
Reviewed Autumn 2022
59%
Gold ribbon: first place

Home insurance (building and contents)

Ranked 11th of 48 providers reviewed.

Customer happiness 60.43%
Customer trust 61.74%
Complaints performance 76.3%
Transparency rating 74.51%
Fairer Finance score
Reviewed Autumn 2022
68%

Investing and pensions

Our ratings for Investing and pensions are hosted exclusively on The Times Money Mentor site.

Go there now to find out how we rated this product.

Mortgages

Ranked 16th of 23 providers reviewed.

Customer happiness 59.22%
Customer trust 52.49%
Complaints performance 78.32%
Transparency rating 56.07%
Fairer Finance score
Reviewed Autumn 2022
62%

Personal loans

Ranked 12th of 26 providers reviewed.

Customer happiness 65.94%
Customer trust 58.45%
Complaints performance 60.25%
Transparency rating 71.19%
Fairer Finance score
Reviewed Autumn 2022
64%

Savings Accounts

Ranked 33rd of 50 providers reviewed.

Customer happiness 50.58%
Customer trust 57.26%
Complaints performance 60.25%
Transparency rating 76.69%
Fairer Finance score
Reviewed Autumn 2022
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
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

3 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 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 Select 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

3 stars
Risk based overdraft? i
Arranged overdraft interest free amount i £0.00
Arranged overdraft interest rate (representative EAR) i 19.49%

NatWest

Premier Reward Black

3 stars
Risk based overdraft? i
Arranged overdraft interest free amount i £0.00
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

3 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), UK Insurance 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), UK Insurance LTD 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%

Credit cards

0% balance transfer credit cards

NatWest

Balance Transfer Credit Card

4 stars
Duration of 0% balance transfer offer period i 19 months
Balance transfer fee during promotional period i 0%
Representative APR i 23.9%
Balance transfer rate during promotional period i 0%
Highest balance transfer fee during promotional period (%) i 0%
Representative balance transfer rate i 1.805%
Risk based? i

NatWest

Purchase and Balance Transfer Credit Card

3 stars
Duration of 0% balance transfer offer period i 23 months
Balance transfer fee during promotional period i 2.9%
Representative APR i 23.9%
Balance transfer rate during promotional period i 0%
Highest balance transfer fee during promotional period (%) i 2.9%
Representative balance transfer rate i 1.805%
Risk based? i

NatWest

Longer Balance Transfer Credit Card

3 stars
Duration of 0% balance transfer offer period i 30 months
Balance transfer fee during promotional period i 2.9%
Representative APR i 23.9%
Balance transfer rate during promotional period i 0%
Highest balance transfer fee during promotional period (%) i 2.9%
Representative balance transfer rate i 1.805%
Risk based? i

0% purchase credit cards

NatWest

Purchase and Balance Transfer Credit Card

4 stars
Duration of purchases offer period i 23 months
Representative APR i 23.9%
Highest APR i 29.9%
Purchase rate during promotional period i 0%
Representative purchase rate i 1.805%
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 23.9%
Highest APR i 29.9%
Purchase rate during promotional period i 0%
Representative purchase rate i 1.805%
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 23.9%
Highest APR i 29.9%
Purchase rate during promotional period i 0%
Representative purchase rate i 1.805%
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 26.8%
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 22.9%
Number of days before interest is charged on non-sterling cash transactions i 0 days
Risk based? i
Representative purchase rate i 1.733%

NatWest

Balance Transfer Credit Card

1 stars
Foreign purchase fee i 2.75%
Foreign withdrawal fee i 3%
Representative APR i 21.9%
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

Reward

1 stars
Foreign purchase fee i 2.75%
Foreign withdrawal fee i 3%
Representative APR i 26.8%
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

Longer Balance Transfer Credit Card

1 stars
Foreign purchase fee i 2.75%
Foreign withdrawal fee i 3%
Representative APR i 22.9%
Number of days before interest is charged on non-sterling cash transactions i 0 days
Risk based? i
Representative purchase rate i 1.733%

Low rate credit cards

NatWest

The NatWest Credit Card

1 stars
Representative APR i 12.9%
Highest APR i 19.9%
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 23.9%
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 26.8%
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 23.9%
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 23.9%
Risk based? i
Representative cash transaction interest rate i 2.005%

Home Emergency Cover

NatWest

Premier Home Emergency (HNW)

5 stars
Boiler Breakdown Cover i
Home Security Cover i
Cover Type i Add-On
Home Emergency Cover limit i £1,500.00
Minimum Excess i £0.00
Internal plumbing and drainage i
External Drainage i
Water Supply Pipe Cover i
Burst or damaged pipes i
Toilet unit i
Root damage cover i
Primary Heating System i
Temporary Emergency Heating i
Internal gas supply pipe cover i
Boiler Age Exclsuions i No Exclusion
Annual boiler service i
Age of boiler to qualify for a beyond economic repair contribution i No Exclusion
Contribution towards the cost of a new boiler if yours is beyond economic repair and is 5 years old or less. i £500.00
Contribution towards the cost of a new boiler if yours is beyond economic repair and is 6 years old or less. i £500.00
Contribution towards the cost of a new boiler if yours is beyond economic repair and is 7 years old or less. i £500.00
Domestic Power supply covered? i
Lost keys Cover i Covered under the home insurance policy
Roof damage i Covered under the home insurance policy
Pest infestation cover i
Underwriter i U K Insurance Limited
Maximum Excess i £0.00
Alternative Accommodation Cover i £500.00
24/7 Claims Helpline i
Unoccupied period i 60

NatWest

Premier Home Emergency

5 stars
Boiler Breakdown Cover i
Home Security Cover i
Cover Type i Add-On
Home Emergency Cover limit i £1,500.00
Minimum Excess i £0.00
Internal plumbing and drainage i
External Drainage i
Water Supply Pipe Cover i
Burst or damaged pipes i
Toilet unit i
Root damage cover i
Primary Heating System i
Temporary Emergency Heating i
Internal gas supply pipe cover i
Boiler Age Exclsuions i No Exclusion
Annual boiler service i
Age of boiler to qualify for a beyond economic repair contribution i No Exclusion
Contribution towards the cost of a new boiler if yours is beyond economic repair and is 5 years old or less. i £500.00
Contribution towards the cost of a new boiler if yours is beyond economic repair and is 6 years old or less. i £500.00
Contribution towards the cost of a new boiler if yours is beyond economic repair and is 7 years old or less. i £500.00
Domestic Power supply covered? i
Lost keys Cover i Covered under the home insurance policy
Roof damage i Covered under the home insurance policy
Pest infestation cover i
Underwriter i U K Insurance Limited
Maximum Excess i £0.00
Alternative Accommodation Cover i £500.00
24/7 Claims Helpline i
Unoccupied period i 60

NatWest

Home Emergency (Elite Home)

4 stars
Boiler Breakdown Cover i
Home Security Cover i
Cover Type i Add-On
Home Emergency Cover limit i £500.00
Minimum Excess i £0.00
Internal plumbing and drainage i
External Drainage i
Water Supply Pipe Cover i
Burst or damaged pipes i
Toilet unit i
Root damage cover i
Primary Heating System i
Temporary Emergency Heating i
Internal gas supply pipe cover i
Boiler Age Exclsuions i No Exclusion
Annual boiler service i
Age of boiler to qualify for a beyond economic repair contribution i No Exclusion
Contribution towards the cost of a new boiler if yours is beyond economic repair and is 5 years old or less. i £500.00
Contribution towards the cost of a new boiler if yours is beyond economic repair and is 6 years old or less. i £500.00
Contribution towards the cost of a new boiler if yours is beyond economic repair and is 7 years old or less. i £500.00
Domestic Power supply covered? i
Lost keys Cover i Covered under the home insurance policy
Roof damage i Covered under the home insurance policy
Pest infestation cover i
Underwriter i U K Insurance Limited
Maximum Excess i £0.00
Alternative Accommodation Cover i £250.00
24/7 Claims Helpline i
Unoccupied period i 60

NatWest

Home Emergency (Standard Home)

4 stars
Boiler Breakdown Cover i
Home Security Cover i
Cover Type i Add-On
Home Emergency Cover limit i £500.00
Minimum Excess i £0.00
Internal plumbing and drainage i
External Drainage i
Water Supply Pipe Cover i
Burst or damaged pipes i
Toilet unit i
Root damage cover i
Primary Heating System i
Temporary Emergency Heating i
Internal gas supply pipe cover i
Boiler Age Exclsuions i No Exclusion
Annual boiler service i
Age of boiler to qualify for a beyond economic repair contribution i No Exclusion
Contribution towards the cost of a new boiler if yours is beyond economic repair and is 5 years old or less. i £250.00
Contribution towards the cost of a new boiler if yours is beyond economic repair and is 6 years old or less. i £250.00
Contribution towards the cost of a new boiler if yours is beyond economic repair and is 7 years old or less. i £250.00
Domestic Power supply covered? i
Lost keys Cover i Covered under the home insurance policy
Roof damage i Covered under the home insurance policy
Pest infestation cover i
Underwriter i U K Insurance Limited
Maximum Excess i £0.00
Alternative Accommodation Cover i £250.00
24/7 Claims Helpline i
Unoccupied period i 60

NatWest

Premier Reward Black Account Home Emergency

3 stars
Boiler Breakdown Cover i
Home Security Cover i
Cover Type i Add-On
Home Emergency Cover limit i £750.00
Minimum Excess i £0.00
Internal plumbing and drainage i
External Drainage i
Water Supply Pipe Cover i
Burst or damaged pipes i
Toilet unit i
Root damage cover i
Primary Heating System i
Temporary Emergency Heating i
Internal gas supply pipe cover i
Boiler Age Exclsuions i 10 years
Annual boiler service i
Age of boiler to qualify for a beyond economic repair contribution i 10 years
Contribution towards the cost of a new boiler if yours is beyond economic repair and is 5 years old or less. i £0.00
Contribution towards the cost of a new boiler if yours is beyond economic repair and is 6 years old or less. i £0.00
Contribution towards the cost of a new boiler if yours is beyond economic repair and is 7 years old or less. i £0.00
Domestic Power supply covered? i
Lost keys Cover i Covered under the home insurance policy
Roof damage i Covered under the home insurance policy
Pest infestation cover i
Underwriter i U K Insurance Limited
Maximum Excess i £0.00
Alternative Accommodation Cover i £250.00
24/7 Claims Helpline i
Unoccupied period i 60

Home insurance (building and contents)

NatWest

Elite Home Insurance

3 stars
Alternative accommodation cover limit for buildings i £50,000.00
Matching sets (Contents) i
Theft from outbuildings cover limit i £5,000.00
Escape of water excess i £450.00
Alternative accommodation cover limit for contents i £30,000.00
Cycles included whilst in the home i
Cover for keys if lost or stolen (contents) i Sum Insured
Keys/locks if lost or stolen (Buildings) i Sum Insured
Money in the home i £1,000.00
Replace belongings new for old i
Trace and Access i £10,000.00
Matching sets (Buildings) i
Escape of Water (Plus Compulsory Excess) i £500.00
Compulsory excess (Contents) i £450.00
Flood excess i £250.00
Standard excess for subsidence claims £1,000.00
Liability as a tenant i £10,000.00
Liability to domestic employees i £10,000,000.00
Property owner liability i £5,000,000.00
Buildings Cover limit i Unlimited
Contents Cover limit i £100,000.00
Underwriter UK Insurance Ltd
24hr helpline i
Unoccupied period i 60
Protection against inflation i
Repairs guarantee i
Amendment fee i £0.00
Cancellation fee after 14 days i £26.88
Protected No Claims Discount Option
24-hour claims helpline
Cancellation fee before 14 days £0.00
Accidental Damage - Glass and sanitary wear
Standard Accidental Damage - Underground services
Damage caused by freezing pipes
Damage from Emergency Services
Cover to break in and clear sewage pipe
Garden Protection £2,500.00
Blocked drains i
Accidental Damage Cover
Domestic heating fuel and metered water
Music, film or electronic data downloads
Documents Sum insured
Visitor's Possessions £1,000.00
Out in Open Cover
Frozen Food Cover Sum insured
Temporary freezer storage
Theft or attempted theft i
Dual Contents i
Escape of water or oil from appliances i
Escape of water or oil from heating systems i Sum Insured
Credit cards i £0.00
Storage fees (Alternative accommodation) i
Garden plants i
Business Equipment £10,000.00
Household Removals
Student's Belongings
Shopping in Transit £0.00
Cover Away from Home offered for: Electronics As Standard
Cover Away from Home offered for: Money As Standard
Cover Away from Home offered for: Jewellery As Standard
Cover Away from Home offered for: Bicycles & Other As Standard
Special events (weddings and civil ceremonies) - limit 10% of Sum Insured
Special events (weddings and civil ceremonies) - days 60 days
Special events (births) - limit 10% of Sum Insured
Special events (births) - days 60 days
Special events (anniversaries and birthdays) - limit 10% of Sum Insured
Special events (anniversaries and birthdays) - days Not Offered
Special events (religious events) - limit 10% of Sum Insured
Special events (religious events) - days 60 days
Cover for Home Emergency i Optional
Cover for legal protection/expenses i Optional
Cover for items away from home? i Optional
Personal possessions cover whilst living in a nursing home or residential care setting i £0.00
Medical Equipment Loan i £0.00
Theft from bogus officials i
Storm and flood i
Fire, smoke, explosion, lightning, or earthquake i
Malicious damage i
Civil riot or commotion i
Collisions (Including animals, trees, satellites, and moving vehicles) i
Snow depth (cm) i Not Defined
Rainfall (mm) i Not Defined
Windspeed (mph) i Not Defined

NatWest

Standard Home Insurance

1 stars
Alternative accommodation cover limit for buildings i £25,000.00
Matching sets (Contents) i
Theft from outbuildings cover limit i £2,500.00
Escape of water excess i £450.00
Alternative accommodation cover limit for contents i £15,000.00
Cycles included whilst in the home i
Cover for keys if lost or stolen (contents) i Sum Insured
Keys/locks if lost or stolen (Buildings) i Sum Insured
Money in the home i £500.00
Replace belongings new for old i
Trace and Access i £5,000.00
Matching sets (Buildings) i
Escape of Water (Plus Compulsory Excess) i £500.00
Compulsory excess (Contents) i £450.00
Flood excess i £250.00
Standard excess for subsidence claims £1,000.00
Liability as a tenant i £5,000.00
Liability to domestic employees i £5,000,000.00
Property owner liability i £2,000,000.00
Buildings Cover limit i £1,000,000.00
Contents Cover limit i £50,000.00
Underwriter UK Insurance Ltd
24hr helpline i
Unoccupied period i 60
Protection against inflation i
Repairs guarantee i
Amendment fee i £0.00
Cancellation fee after 14 days i £26.88
Protected No Claims Discount Option
24-hour claims helpline
Cancellation fee before 14 days £0.00
Accidental Damage - Glass and sanitary wear
Standard Accidental Damage - Underground services
Damage caused by freezing pipes
Damage from Emergency Services
Cover to break in and clear sewage pipe
Garden Protection £1,000.00
Blocked drains i
Accidental Damage Cover
Domestic heating fuel and metered water
Music, film or electronic data downloads
Documents Sum insured
Visitor's Possessions £500.00
Out in Open Cover
Frozen Food Cover Sum insured
Temporary freezer storage
Theft or attempted theft i
Dual Contents i
Escape of water or oil from appliances i
Escape of water or oil from heating systems i Sum Insured
Credit cards i £0.00
Storage fees (Alternative accommodation) i
Garden plants i
Business Equipment £10,000.00
Household Removals
Student's Belongings
Shopping in Transit £0.00
Cover Away from Home offered for: Electronics As Standard
Cover Away from Home offered for: Money As Standard
Cover Away from Home offered for: Jewellery As Standard
Cover Away from Home offered for: Bicycles & Other As Standard
Special events (weddings and civil ceremonies) - limit 10% of Sum Insured
Special events (weddings and civil ceremonies) - days 60 days
Special events (births) - limit 10% of Sum Insured
Special events (births) - days 60 days
Special events (anniversaries and birthdays) - limit 10% of Sum Insured
Special events (anniversaries and birthdays) - days Not Offered
Special events (religious events) - limit 10% of Sum Insured
Special events (religious events) - days 60 days
Cover for Home Emergency i Optional
Cover for legal protection/expenses i Optional
Cover for items away from home? i Optional
Personal possessions cover whilst living in a nursing home or residential care setting i £0.00
Medical Equipment Loan i £0.00
Theft from bogus officials i
Storm and flood i
Fire, smoke, explosion, lightning, or earthquake i
Malicious damage i
Civil riot or commotion i
Collisions (Including animals, trees, satellites, and moving vehicles) i
Snow depth (cm) i Not Defined
Rainfall (mm) i Not Defined
Windspeed (mph) i Not Defined

Buildings insurance

NatWest

Elite Home Insurance

3 stars
Trace and Access i £10,000.00
Keys/locks if lost or stolen (Buildings) i Sum Insured
Matching sets/suites (Buildings) i
Alternative accommodation cover limit for buildings i £50,000.00
Blocked drains i
Cover for fire, smoke, explosion, lightning, or earthquake i
Cover for collision and falling objects (including trees, animals, satellite, vehicle) i
Civil riot or commotion i
Cover for malicious damage
Theft of attempted theft £5,000.00
Cover for storm and flood
Snow depth (cm) i Not Defined
Rainfall (mm) i Not Defined
Windspeed (mph) i Not Defined
Escape of Water (Plus Compulsory Excess) i £500.00
Buildings Compulsory Excess i £50.00
Escape of water excess i £450.00
Flood excess i £250.00
Unoccupied period i 60
24hr helpline i
Repairs Guarentee i
Cancellation fee after 14 days i £26.88
Amendment fee i £0.00
Property owner liability i £5,000,000.00

NatWest

Standard Home Insurance

1 stars
Trace and Access i £5,000.00
Keys/locks if lost or stolen (Buildings) i Sum Insured
Matching sets/suites (Buildings) i
Alternative accommodation cover limit for buildings i £25,000.00
Blocked drains i
Cover for fire, smoke, explosion, lightning, or earthquake i
Cover for collision and falling objects (including trees, animals, satellite, vehicle) i
Civil riot or commotion i
Cover for malicious damage
Theft of attempted theft £2,500.00
Cover for storm and flood
Snow depth (cm) i Not Defined
Rainfall (mm) i Not Defined
Windspeed (mph) i Not Defined
Escape of Water (Plus Compulsory Excess) i £500.00
Buildings Compulsory Excess i £50.00
Escape of water excess i £450.00
Flood excess i £250.00
Unoccupied period i 60
24hr helpline i
Repairs Guarentee i
Cancellation fee after 14 days i £26.88
Amendment fee i £0.00
Property owner liability i £2,000,000.00

Contents insurance

NatWest

Elite Home Insurance

4 stars
Matching sets (Contents) i
Cover for keys if lost or stolen (contents) i Sum Insured
Theft from outbuildings cover limit i £5,000.00
Cycles included whilst in the home i
Replace belongings new for old i
Money in the home i £1,000.00
Alternative accommodation cover limit for contents i £30,000.00
24hr helpline i

NatWest

Standard Home Insurance

2 stars
Matching sets (Contents) i
Cover for keys if lost or stolen (contents) i Sum Insured
Theft from outbuildings cover limit i £2,500.00
Cycles included whilst in the home i
Replace belongings new for old i
Money in the home i £500.00
Alternative accommodation cover limit for contents i £15,000.00
24hr helpline i

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)

3 stars
Age when premiums stop i 90
Cover for accidental death in waiting period i 3x full payout
How long after policy is started can full benefits be claimed? i 24 months
Signing up incentive i £100 Gift Card
Maximum age i 80
Payout for accidental death outside waiting period i Full payout
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
Discount offered with a funeral provider? i Not offered

NatWest

Guaranteed Sixty-Plus Life Insurance (level insurance)

3 stars
Age when premiums stop i 90
Cover for accidental death in waiting period i 3x full payout
How long after policy is started can full benefits be claimed? i 24 months
Signing up incentive i £100 Gift Card
Maximum age i 80
Payout for accidental death outside waiting period i Full payout
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
Discount offered with a funeral provider? i Not offered

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
Prescription diet (treatment of bladder stones only) 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
Prescription diet (treatment of bladder stones only) 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 9 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 Rate Savings

Interest Rate (AER) i 3.3%
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 £2,000,000.00
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 (days) i

NatWest

12 Month Fixed Rate Savings

Interest Rate (AER) i 4.75%
Minimum Opening Balance i £5,000.00
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 £20,000,000.00
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 (days) i

2 Year Fixed Rate Accounts

NatWest

Fixed Rate Savings

Interest Rate (AER) i 3.82%
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 £2,000,000.00
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 (days) i

Easy Access Accounts

NatWest

Flexible Saver

Interest Rate (AER) i 0.65%
Maximum Balance i Unlimited
Part of FSCS i
Withdrawal Penalty i
Additional Information i
Minimum Opening Balance i £0.00
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 Must be a current account customer
Penalty free withdrawals? i

Regular Savers

NatWest

Digital Regular Saver

Interest Rate (AER) i 5.12%
Additional Information i
Maximum Balance i Unlimited
Withdrawal Penalty i No Penalty
Minimum Monthly Investment i £0.00
Maximum Monthly Investment i £150.00
Penalty free withdrawals? i
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 AER reduces to 0.50% once balance is £5000+

Savings Accounts (ISAs)

1 Year Fixed Rate ISAs

NatWest

1 Year Fixed Rate ISA Issue 312

Interest Rate (AER) i 3.25%
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?
Can you transfer in funds from a stocks and shares ISA?

2 Year Fixed Rate ISAs

NatWest

2 Year Fixed Rate ISA Issue 313

Interest Rate (AER) i 3.75%
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?
Can you transfer in funds from a stocks and shares ISA?

Easy Access ISAs

NatWest

Cash ISA

Interest Rate (AER) i 0.65%
Part of FSCS i
Withdrawal Penalty i
Minimum Opening Balance i £0.00
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
Penalty free withdrawals? i
Can you transfer in funds from another cash ISA?
Can you transfer in funds from a stocks and shares ISA?