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NatWest mobile app and bank card shown with Current Account Switch Guarantee logo overlaid on top.
No monthly fee bank account

Open our everyday current account

You must be 18+ and a UK resident to apply for our Select account.

App available to Online Banking customers with compatible iOS and Android devices and a UK or international mobile number in specific countries.
Mobile Banking App

Keep it simple with our basic bank account

Our award winning basic current account helps you manage your money easily, all in one place, with no monthly fee. 

Learn more about the key features of the Select account, plus the handy little extras that come with it. Explore your overdraft options and how to apply for a new bank account with NatWest.

Why choose our everyday current account?

  • Fee-free current account. No monthly account fee plus free local cash withdrawals.
  • Fraud refund promise. We refund any money paid out of your account by a fraudster if you bank online or via the app (if you've kept your security information safe).
  • Get a short-term overdraft if you meet the eligibility criteria.
Image of a gold YourMoney.com Awards 2022 winner’s medal.

Award-winning

This account packs a punch, that's why it's award winning.

YourMoney.com voted NatWest as 'Best everyday current account provider', plus this current account was given 5 stars by the Defaqto experts in 2024.

Everyday banking with NatWest

Managing your money is a breeze with NatWest's highly-rated app.

We're here for you, whether you need support at 3pm or 3am.

Sometimes nothing beats that human touch. Chat to us face-to-face over video (criteria applies) or in branch.
The NatWest app’s home screen is shown with a snapshot of a current account balance. Above the image the mobile app App Store rating (4.6/5) and Google Store rating (4.5/5) are displayed.

On-the-go money management

Seamlessly manage your money with our app.

And many more powerful tools to make your everyday easy (criteria may apply).

App Store and Google Play Store™ ratings correct as of 26th of May 2022.

Instant notifications

Get notified when you spend or receive money.

Set up savings goals

Get help saving towards your next goal.

Round Ups

Save your spare change effortlessly with a linked instant access savings account.

Track your spending

See how you spend your money and set up a budget.

How to open a bank account online

It's simple to apply for a bank account online with NatWest - and you could get an instant decision. Here's how to get started:
  1. Check your eligibility
    Our Select account is for UK residents aged 18+. 
  2. Dig out what you'll need to apply
    We might need to verify your identity when you apply online. We’ll do this by matching your Photo ID to a selfie of you. You’ll need a device with a camera to upload these. We might also ask for other information like proof of address. If you don’t have your ID to hand, you can finish this step later. We'll do this by matching your photo ID to a short selfie. We might also ask for other information like proof of address. If you don’t have your ID to hand, you can finish this step later.
  3. Open your bank account online
    Once you've got everything you'll need to hand, you can apply online today. 

About overdrafts

An overdraft is a way of borrowing money from us via your current account and is repayable on demand. If you don't repay what is owed, you could harm your credit score and borrowing capability.

Switch to NatWest

The Current Account Switch Service will do all the work when it comes to switching, moving everything across from your old account to your new account all within 7 working days, including Direct Debits and standing orders. All you need to do is tell us the details of your old bank account and when you want the Switch to start.

We can not switch savings accounts or ISAs through this service. Any other products you have with your old bank will not be moved at the same time.

Current Account Switch Guarantee (PDF, 39KB)

A Guide to Switching Current Accounts (PDF, 3MB)

How does the Current Account Switch Service work?

Basic bank account - FAQs

Get ready to apply

Before you apply for a bank account with us, we need to check you're happy with a few things. And ask you a few questions up front. Then we can make your application as quick and simple as it can be.

First things first. You can apply if you:

Are aged 18 or over and a UK resident
 

Now please take a look at the important legal info

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.

As part of the checks that we will complete to verify your identity, we’ll take an image of your face so that it can be compared with your photo ID and this biometric data is captured.

All okay? Apply for a bank account online today.

To speed up your application for our Select account, we need to do a few final checks with you. They'll only take a minute.

Do we already know you?
If you have a current account, credit card, loan or savings account with NatWest please let us know.
What would you like to do today?

You're all set

  1. Tell us a bit about yourself and we’ll set up your account.
  2. We might need to verify your identity when you apply online. We’ll do this by matching your Photo ID to a selfie of you. You’ll need a device with a camera to upload these. We might also ask for other information like proof of address.  If you don’t have your ID to hand, you can finish this step later. 
  3. Our partner Mitek will then check your identity by matching you to your Photo ID. Your Photo ID must be a Passport, UK or EU/EEA Driving Licence or an EU/EEA National ID card. We might also ask for a valid proof of address. If you don't have your ID to hand you can finish this step later.
  4. Once they’ve confirmed your identity we’ll activate your account.

Please note, a partial switch does not qualify for any switch incentives we may offer. 

Here's what to do next

We’ve made a few changes to how we open joint bank accounts.

The button below takes you to a dedicated page explaining exactly what you need to open your account.

In summary:

  1. You create a joint account by adding the second applicant to an existing account.
  2. You can either add the second applicant to an existing account, or if you’d like a completely new account, one of you can open a new account and then add the second applicant once it’s open. 
Do you have our app on a mobile device?
You can apply using either the mobile app or online banking. The mobile app is easier and quicker as we can prefill some of your information.

Great, let's get started

Just a heads up, you'll need to take a few steps to start your application.  

  1. If you're already using a device with the NatWest app, select the 'Start application' button below. Using a desktop? Simply scan the QR code with your mobile device that has the NatWest app.
  2. Once logged in, select 'Current Accounts'. 
  3. Then choose what type of account you would like to open, change or switch to, and follow the instructions within app to start your application. 

Can't scan the QR code?

Do you have NatWest Online Banking?

Log in to Online Banking

  1. Enter your customer number or 16-digit card number to get started. 
  2. You'll then need to enter your Online Banking pin and password.
  3. Once you're logged in, select 'Current accounts' from the product list. 
  4. Finally, choose the account you want to apply for and complete your application.

Sign up for Online Banking

You’ll need to sign up for Online Banking with us to apply for a current account. The good news is that it normally takes only 5 minutes and all you’ll need is your sort code, account number and your NatWest Debit Card, if you have one.

Select ‘How to register for Online Banking' to start.  

Once you’ve registered, select ‘I am now signed up’ to log in and apply for a Select account. 

Log in to NatWest Online Banking

  1. Enter your customer number or 16-digit card number to get started. 
  2. You'll then need to enter your Online Banking pin and password.
  3. Once you're logged in, select 'Current accounts' from the product list. 
  4. Finally, choose the account you want to apply for and complete your application.

Forgotten your Online Banking Details?

If you've forgotten your log in details, don't worry, select 'Reset my Online Banking' for further instructions. 

How to download and apply via the app

First, download the app, then:

  1. On your mobile or tablet, open the camera and point your device at the QR code.
  2. Follow the link that pops up to download the app.
  3. Use your details to log in, then select ‘Apply’ at the bottom of the app.

Can't scan the QR code?

Available on selected devices.