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To apply, you need to be 18+ and a UK resident. You need to also pay in £1,250 to an eligible NatWest account every month. You can only hold a maximum of 1 Reward account in your name, and 1 joint names.
Our App is available to personal and business banking customers aged 11+ using compatible iOS and Android devices. You'll need a UK or international mobile number in specific countries.
Earn rewards
Up to £5 a month back
Earn £4 a month back in Rewards for 2 or more Direct Debits (2 of those Direct Debits needs to be at least £2 each). Plus, earn an extra £1 a month back in Rewards with 1 mobile app log in. That's up to £5 a month back in Rewards to spend on whatever you like!
Also earn from 1% in Rewards when you spend with your NatWest debit card at our partner retailers. Check out our current retailers in the mobile app.
Your Rewards balance can grow quickly, they're easy to earn and they're easy to exchange!
Exchange Rewards
For cash back, gift cards and more
Once you reach £5 in Rewards, the choice is yours. Redeem Rewards as money back into your current account, trade them up for eGift codes, or donate to one of our chosen charities.
How to exchange your Rewards
Great news, there is no need to set up your Rewards. You can see your MyRewards balance and claim straight from the NatWest app with the touch of a button. There's no need to use a password.
Keep in mind, if you choose to bank your Rewards it will take 5 working days to clear.
Is a Reward account a cashback bank account?
The NatWest Reward bank account is similar to a cashback bank account – but it’s a bit more flexible. You can earn up to £5 a month back in Rewards for small things like logging into our mobile app and setting up direct debits.
You have multiple options. You can redeem your Rewards for cashback into your account, exchange them for e-gift cards, or donate them to charity.
Switch to NatWest
Why not switch your current account to NatWest, we'll do all the hard work for you and you'll barely need to lift a finger.
Open a Reward bank account online – FAQs
If you carry on applying, it means you're happy with what's in these documents, including the FSCS information sheet. And happy to view your statements in Online Banking - not posted. Please take some time to review, print and/or save the important information.
Reward Silver account
- European travel insurance
- Mobile phone insurance
- Fee-free debit card spending abroad
- Plus, all the benefits of the Reward account
Reward Platinum account
- Worldwide travel insurance
- UK car breakdown cover
- Plus, all the benefits of the Reward account
Premier Reward Black account
- Worldwide travel insurance
- Mobile phone insurance (family cover)
- UK and European car breakdown cover
- Home emergency cover
You could be eligible if you earn more than £100,000 a year.
Reward credit card
- Get 1% back at supermarkets
- 1-15% back at chosen retailers
- 0.25% back everywhere else
*Annual fee refunded if you have a Reward current account.
Available to UK residents, aged 18+ and earning at least £10K per year.