NatWest in 60 seconds
NatWest at a glance (2026)
About NatWest
National Westminster Bank was formed in 1968 from the merger of National Provincial, Westminster and District Bank. It became part of Royal Bank of Scotland Group in 2000 and, after the 2008 government bailout, traded under that umbrella for over a decade. In July 2020 the group rebranded itself NatWest Group plc to reflect the dominance of the NatWest brand in its retail footprint.
In May 2025, HM Treasury sold its last stake, returning NatWest Group to full private ownership after 17 years. The group also owns Royal Bank of Scotland (Scotland), Ulster Bank (Northern Ireland) and Coutts (private banking).
NatWest accounts in 2026
Current account lineup
Select Account
NatWest’s standard fee-free current account. Contactless debit card, mobile app, Apple Pay and Google Pay.
- £0 monthly fee.
- Round Ups and Split the Bill in-app.
- Eligible for the NatWest switching offer.
Reward Account
Earn £4/month for two or more direct debits and £1/month for logging into the app, plus 1% cashback at partner retailers.
- £2/month, £1,250+ pay-in required.
- £4 reward for 2 direct debits + £1 for app log-in.
- 1% partner-retailer cashback.
Reward Silver
£10/month packaged account with European travel insurance, mobile phone insurance and no non-sterling card fees.
- European multi-trip travel insurance.
- Mobile phone insurance.
- No non-sterling fees on debit card.
Reward Platinum
£22/month packaged account. Worldwide family travel insurance, UK car breakdown and all Silver benefits.
- Worldwide family travel insurance.
- UK car breakdown cover.
- All Reward + Silver benefits.
Premier Select
Fee-free Premier account with dedicated UK-based support and access to Premier savings and mortgages.
- £100k income / £100k savings / £500k mortgage.
- Dedicated UK Premier service.
- Premier savings rates.
Adapt Account
Free Adapt account for 11- to 17-year-olds. Mobile app, debit card and 1.60% AER credit interest.
- No overdraft, no fees.
- Contactless debit card.
- 1.60% AER credit interest.
NatWest Premier eligibility
Qualify by meeting any one of:
- ●£100,000 individual or £120,000 joint income paid into the Premier account.
- ●£100,000+ savings or investments held with NatWest.
- ●£500,000+ mortgage with NatWest.
NatWest customer service
NatWest publishes a clear set of dedicated phone lines. Numbers in Selectra blue are the ones most customers need first.
Personal banking (UK)
Account help, payments, complaints
03457 888 444
24/7
Top lineLost or stolen card (UK)
Block immediately
0370 600 0459
24/7
Lost or stolen card (abroad)
Reverse-charge available
+44 1268 500 813
24/7
From abroad
Personal customers travelling
+44 3457 888 444
24/7
Business banking
NatWest Business 24/7
03457 11 44 77
24/7 general; specialist 9–17
Cora AI in-app
24/7 digital assistant
Open in app
24/7
Complaints and the Financial Ombudsman
Raise a complaint via the NatWest app, by phone, in branch or in writing. NatWest has up to eight weeks to issue a final response, after which you can escalate to the Financial Ombudsman Service.
NatWest news 2024–2026
- 2024: NatWest acquires Metro Bank’s £2.5bn mortgage portfolio.
- H1 2025: Sainsbury’s Bank retail integration completes (~1m customers, £5.1bn assets).
- 30 May 2025: HM Treasury exits its shareholding — NatWest Group is fully privately owned for the first time in 17 years.
- February 2026: NatWest announces a £2.7bn acquisition of Evelyn Partners’ wealth management business.
- 2025: OpenAI partnership announced to enhance Cora AI capabilities.
NatWest FAQ
No. HM Treasury sold its last stake on 30 May 2025, returning NatWest Group to full private ownership after 17 years of partial state ownership following the 2008 financial crisis.
Both are retail brands inside the same parent NatWest Group plc. NatWest is the main brand in England and Wales; Royal Bank of Scotland is the lead retail brand in Scotland. Ulster Bank serves Northern Ireland.
Meet any one of: £100k individual / £120k joint income paid in, £100k+ in savings/investments with NatWest, or a £500k+ NatWest mortgage.
Yes. NatWest is authorised by the PRA and regulated by the FCA. Eligible deposits are protected by the FSCS up to £85,000 per person, per institution.