To find out more visit natwest.com/currentaccounts or call 0800 200 400 or visit your local branch
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Current accounts
2
2
2The NatWest
Customer Charter
Our commitment to you
We want to be Britain’s most helpful bank. So we started by asking you what you wanted from us.
You told us you wanted four things:
To make banking easier
To help you when you need us
To support the communities we live and work in
To listen to you
In June 2010 we made our commitment public by launching our Customer Charter, a set of 14 promises
based on what you told us was most important to you. We also made a commitment to have an
independent company assess our performance every six months and to publish the results so you can
judge our performance for yourself.
We are encouraged by the improvements we have made, and hope that our willingness to be open
about where we’ve fallen short of our goals will give you confidence in our commitment to seeing these
improvements through.
Contents
Our current accounts can help you make more of your money. We have accounts that
include travel, leisure and protection benefits if you pay a monthly fee. Or we have basic
current accounts that give you the essentials of current account banking.
So with our help, you’ll find the one that’s right for you.
At a glance – a quick look at all of our accounts
4
Simple, everyday current accounts
6
Select Silver Account and Advantage Gold Account –
both with benefits included8
Black Account – a private bank account with benefits included
10
Student and Graduate Accounts
12
Our Adapt Account, for under 18s
14
Switching to NatWest
15
Overdrafts
1
6
Debit cards
17
Ways to bank with us
18
Your next steps
19
What happens after you apply?
20
How to apply
23
At a glance
The following table shows our full range of current accounts.
What type of account are you looking for?
Try this Summary Mont
fee Essential, day-to-day banking Basic Account
Our most basic current account for your day-to-day banking. You also get lots of practical ways to help manage your account.
No
Select Account
All the essentials to make everyday banking easy for you. You can control your money online or over the phone. You can also apply for an overdraft to help manage your finances and give you that extra flexibility. No Accounts with benefits included Select Silver Account
The Select Silver Account includes insurance cover for you and your possessions, as well as a number of lifestyle benefits. The benefits included could help you save money on the nicer things in life.
£8
Advantage Gold Account
Our 5 Star Defaqto rated Advantage Gold Account includes a range of money saving, travel, protection and lifestyle benefits.
£12.9
Black Account (Private Banking)
A wealth of attractive benefits are included in our 5 Star Premier Defaqto rated Black Account. Some make your life easier, some help you enjoy it more, and all of them could save you money.
£24
Student and graduate Student
Account
We’ve created our Student Account to make it easier for you to manage your money. And you can manage your account online or from your mobile phone, when you can’t get to a branch.
No
Graduate Account
If you’ve left university, our Graduate Account can help you look after your money while you wait for your first payslip.
No Accounts for under 18s Adapt
Account
If you’re between 11 and 18, open your own Adapt Account and earn interest on everything you pay in. And for a £5 fee you can design your own debit card too, so it’s unique.
No
Did you know?
We offer a Switcher Service to help make moving to NatWest even easier. If you open an account
with us, we can transfer all your standing orders, Direct Debits and salary payments from your
existing bank. Go to page 15 for more information.
Monthly fee
Key account opening criteria Page
elp No You’ll need to be 18 or over to apply for this account. 6
at
No You’ll need to be 18 or over to apply for this account.
Account and credit facilities available subject to the result of a standard credit check. 6 of £8 You’ll need to be 18 or over to apply for this account.
Account and credit facilities available subject to the result of a standard credit check.
8
on £12.95 You’ll need to be 18 or over to apply for this account.
Account and credit facilities available subject to the result of a standard credit check. 8 £24 You’ll need to be 18 or over to apply for this account.
Account and credit facilities available subject to the result of a standard credit check.
You will need to earn at least £100,000 a year (or have a joint income of at least £150,000 for a joint account), or have at least £50,000 savings with us.
10
anage No You’ll need to be 18 or over to apply for this account.
You’ll need to have your permanent home in the UK and be on a full-time undergraduate higher education course that lasts for two years or more, or a full-time postgraduate course.
12
your No You’ll need to be 18 or over to apply for this account. 12
in. No You’ll need to be over 11 and under 18 to apply for this account. 14
5
To find out more visit natwest.com/currentaccounts, call 0800 200 400 or visit your local branch
Simple, everyday
current accounts
Choose a current account that keeps things simple.
Straight
forward
current
accounts
Basic Account
This is our most basic account. It comes with a Visa Debit card that
lets you withdraw your money from any NatWest, RBS or Ulster
Bank cash machine within the UK and Gibraltar or over the counter
at any UK Post Office. You also get lots of practical ways to help
manage your account.
Select Account
All the essentials to make everyday banking easy for you. You can
control your money online or over the phone.
You can also apply for an overdraft to help manage your finances
and give you that extra flexibility.
Visa Debit card – Withdraw up to £300 a day at NatWest, RBS and Ulster Bank branded cash machines within the UK and Gibraltar. Withdrawals can also be made from any NatWest or Post Office® branch counter, from any cash
machine outside the UK and Gibraltar which displays the Visa logo and from retailers that offer cashback. You can also use your card to make purchases in stores and online. (Charges apply for overseas transactions.)
UK call centres – all our call centres are in the UK.
NatWest branches – we have more than 1,500 branches in the UK.
Award-winning Online Banking – Your Money Direct award for Best Online Banking Provider 2011.
Text alerts – you can receive text alerts about your balance, helping you keep on top of your finances.
Access to emergency cash – If your card is lost or stolen you can still get access to the money in your account by using our 24 hour Emergency Cash service. If you are an online or telephone banking customer you can withdraw up to £300. If you aren’t you can still withdraw up to £60 to tide you over. These amounts are providing you have the money available in your account. As a minimum you must have £25 available to use this service.
No overdraft facility – there’s no arranged overdraft or any other credit available with the Basic Account.
No subscription fee.
Visa Debit card – you can use your debit card to pay for goods or services in stores or online and to withdraw up to £300 from any cash machine in the UK and abroad that displays the Visa logo. (Charges apply for overseas transactions.)
UK call centres – all our call centres are in the UK.
NatWest branches – we have more than 1,500 branches in the UK.
Award-winning Online Banking – Your Money Direct award for Best Online Banking Provider 2011.
Text alerts – you can receive text alerts about your
balance, helping you keep on top of your finances.
Access to emergency cash – If your card is lost or stolen you can still get access to the money in your account by using our 24 hour Emergency Cash service. If you are an online or telephone banking customer you can withdraw up to £300. If you aren’t you can still withdraw up to £60 to tide you over. These amounts are providing you have the money available in your account. As a minimum you must have £25 available to use this service.
No subscription fee.
Overdraft – an overdraft is available to those who meet certain conditions. Over 18s only.
Cheque book – you can get a cheque book if you’d like one.
Did you know?
Our Select Silver and Advantage Gold accounts include travel insurance that has
been rated as 5 Star by the independent financial research company, Defaqto.
The monthly fee for Select Silver is £8 and for Advantage Gold it’s £12.95.
Go to page 8 for more information.
Accounts with extra benefits
If you want to get a bit more from your account you could be better off with one that
has benefits and discounts included as well as the standard features of the Select
Account. All designed to help you and to save you money.
Accounts
that give
you more
Each one includes
different benefits.
Pick the one that
suits you.
Select Silver Account – £8 a month
The Select Silver Account includes insurance cover for you and
your possessions, as well as some useful lifestyle benefits. Mobile
phone insurance and 5 Star Defaqto rated travel insurance are
also included as part of the package.
Advantage Gold Account –
£12.95 a month
Our 5 Star Defaqto rated Advantage Gold Account includes a
range of money saving benefits, such as travel insurance, mobile
phone insurance and car breakdown cover. Our travel insurance
has also been rated as 5 Star by Defaqto, the independent
financial research company.
5 Star Defaqto rated UK and European Travel Insurance
annual insurance including winter sports cover covers you and joint account holder
for trips up to 22 days in length within the UK and Europe any customer with an existing medical condition must call us for screening – you may be required to pay a premium for cover, or we may decide not to cover you for this condition. Persons aged 70 years and over must call us each year in order to obtain cover and will be required to pay an annual premium of £50 per account and be medically screened.
Mobile Phone Insurance
includes iPhone and BlackBerry
up to £750 (incl. VAT) for theft, loss or damage
covers unauthorised calls up to £1,000 (incl. VAT) for monthly contracts and £100 for pay-as-you-go phones
joint accounts will cover one phone per person cover starts 14 days after you register the phone.
Identity Theft Assistance
fraud prevention and resolution service
includes Experian credit report monitoring
includes alerts, and personal caseworker for victim support.
hmvdigital Music Downloads
choose from 13 million tracks
download up to five tracks to your device per month hmvdigital terms and conditions apply
Internet access required.
LOVEFiLM DVD Rentals
70,000 movies to choose from
rent up to three DVDs or Blu-rays per month
two hours entertainment streaming direct to a computer, Internet enabled TV or PS3™
LOVEFiLM’s terms and conditions apply
Internet access required.
Tailored rates on fixed rate loans and preferential rates on overdrafts
access to a mortgage offer.
Mobile Phone Insurance
includes iPhone and BlackBerry
covers handsets up to £1,000 (incl. VAT)
covers unauthorised calls up to £1,000 (incl. VAT) for monthly contracts and up to £100 (incl. VAT) for pay-as-you-go phones
joint accounts will cover two registered phones
cover starts 14 days after you register your phone.
5 Star Defaqto rated UK and Worldwide Travel Insurance
annual insurance including winter sports cover for trips up to 31 days in length
covers you, your partner and dependent children under 18 (or under 23 if living at home, and in full-time education) children only covered if travelling with parent insured under the policy
any customer with an existing medical condition must call us for screening – you may be required to pay a premium for cover, or we may decide not to cover you for this condition. Persons aged 70 years and over must call us each year in order to obtain cover and will be required to pay an annual premium of £50 per account and be medically screened.
10% discount on your first year’s car insurance
subject to minimum premium criteria.
Accidental Death Cover
up to £15,000 cover for accidental death (split equally between joint account holders) Persons aged 70 and over will have their cover reduced by 50%.
Identity Theft Protection
providing £5,000 worth of cover for expenses incurred by you in defending and restoring your credit status after fraudulent activity, including:
–a complimentary credit report, –online card monitoring, and –CIFAS protective registration.
Green Flag cover
UK car breakdown cover including Home Call covers all cars registered to you at your home.
Access to our Advantage Reserve Account
preferential rates for Advantage Gold customers Minimum balance of £2,000 required.
Black Account
If you are a Private Banking customer you may also like to consider our Black Account.
This is our premium account with our highest levels of travel, protection and leisure benefits.
An account
with extra
privileges
For this account
you must earn at
least £100,000, a year
(or a joint income of
£150,000 a year for a
joint account), or have
at least £50,000 of
savings with us.
Black Account – £24 a month
A wealth of attractive benefits come with our 5 Star Premier
Defaqto rated Black Account. Some make your life easier,
some help you enjoy it more, and all of them could save
you money.
Private Black Credit Card
To add to the privileges of a Black Account, you can also apply
for our Private Black Credit Card. It comes with all the standard
benefits of a credit card, and is also our highest earning YourPoints
card. All for no annual fee.
Representative 14.9% APR (variable)
Benefits of Private Black Credit card
Access to our YourPoints rewards programme –
get 1.25 points for every £1 you spend on qualifying transactions with your card
redeem these at Boots, Marks & Spencer, Harvey Nichols and more.
Offers and opportunities
our range of inspiring opportunities is carefully chosen to appeal to Private Black Credit Card customers. From time to time, we’ll invite you to events like champagne receptions, private gallery viewings and designer shopping evenings.
Travel
5 Star Defaqto rated UK and Worldwide Travel Insurance
annual cover for trips of up to 90 days
covers you, your partner and any dependent children under 18 or under 23 if living at home, and in full time education any customer with an existing medical condition must call us for screening – you may be required to pay a premium for cover, or we may decide not to cover you for this condition.
Worldwide Airport Lounge Access
access to 560 VIP airport lounges worldwide for joint accounts both parties must register to use this benefit.
Black Travel Service
save up to 10% on travel, including holidays, flights and accommodation, when booking through the Black Travel Service.
Leisure
Black Tickets Service
25% cashback on bookings of up to six tickets on concerts, theatre shows, musicals, operas and sporting events throughout the UK and Ireland
can be used up to four times a year.
24/7 Black Concierge Service
can help you organise everything from car hire to booking a table at your favourite restaurant.
Protection
Home Emergency Service
up to £750 cover (incl. VAT) for emergency call out and repairs
covers both your main and second homes in the UK does not apply to rented properties you own.
Mobile Phone Insurance
includes iPhone, BlackBerry and other handsets worth up to £1,250 (incl. VAT)
covers unauthorised calls up to £2,500 (incl. VAT) for monthly contracts and up to £100 (incl. VAT) for pay-as-you-go phones, covers loss, theft, damage and unauthorised calls, for up to four registered phones
this cover starts seven days after you register your phone.
Green Flag cover
car breakdown cover anywhere in Europe, including Home Call
covers all cars registered to you at your home cover in Europe will not apply to vehicles over 10 years old.
Identity Theft Assistance
fraud prevention and resolution service
includes Experian credit report monitoring
online data patrol of personal details and a personal caseworker for victim support.
Card Protection
protects all your lost and stolen cards
covers you against unauthorised use up to £20,000 per account holder.
Student and Graduate Accounts
To help you manage life and study at university and beyond, we’ve created two current
accounts – one for when you’re studying, the other for when you’ve graduated.
Every penny
counts
Make your money work
as hard as you do.
Student Account
We’ve created our Student Account to make it easier for you to
manage your money. And you can manage your account online
or from your mobile phone, when you can’t get to a branch. You’ll
need to have your permanent home in the UK and be on a
full-time undergraduate higher education course that lasts for two
years or more, or a full-time postgraduate course.
Graduate Account
If you’ve left university, our Graduate Account can help you look after
your money while you wait for your first payslip.
You get an interest-free overdraft of up to £1,000 in your first year, increasing to up to £2,000 in your fifth year.
We apply your overdraft limit gradually in the first year i.e. up to £500 first term, up to £750 second term and up to £1,000 third term.
To get an interest-free overdraft you’ll need to be 18 or over and use the account as your main account. You’ll need to make at least three withdrawals every month and make at least one payment to the account every three months. If you don’t we could decide to remove your interest-free overdraft. You must pay off the full overdraft if we ask you to.
We give you a Visa Debit card which you can use at home and abroad. There are charges for your card abroad. Visit
natwest.com/debitcards for more information.
You can manage your account over the phone or online and check your balance and statements on your mobile phone.
You can top-up mobile phones from any of our cash machines.
Your NatWest Student Account must be used as your main bank account, receiving regular deposits.
Did you know?
If you’re opening a Student Account, you could apply for our Student Credit
Card as well. Visit natwest.com/students for more information.
The overdraft you get helps you move gradually from an interest-free overdraft to one that charges interest. For the first year you won’t have to pay interest on any arranged overdraft of up to £2,000. From year two the amount you get interest-free gradually reduces, so that you start to pay interest on any amount over the interest-free limit.
If you graduate before 1 January 2013, the following interest free limits will apply.
Year Overdraft available Interest-free limit 1 Up to £2,000 £2,000 2 Up to £2,000 £1,000 3 Up to £2,000 £500
To apply for an overdraft you must be 18 or over. You must pay off the full overdraft if we ask you to.
After 1 January 2013, our Graduate Account changes. If you graduate after this date the following interest-free limits will apply.
Year Overdraft available Interest-free limit 1 £2,000 £2,000 2 £2,000 £1,000
We give you a Visa Debit card which you can use at home and abroad. There are charges for using your card abroad. Visit natwest.com/debitcards for more information.
Our Adapt Account,
for under 18s
If you’re between 11 and 18, open your own Adapt Account and earn interest on everything
you pay in. And you can design your own debit card too, so it’s unique.
Your cash and card
Get your own debit card to use online and in shops. For just £5 you can decorate your card with your own photo or artwork. See how yours could look at
natwest.com/adapt
You can take cash out of your Adapt Account whenever you need it. When money is in your account, it’s earning you interest.
Your tips and rewards
Go to the Adapt website to find lots of tips about looking after your money. You can also earn extra money by signing up to answer questions and share your views – it’s that easy. We also offer money off at some top stores.
To find out more visit natwest.com/currentaccounts, call 0800 200 400 or visit your local branch
15How our Switcher Service works
Sign a simple switching form when you open your new account and we will:
Transfer all your standing orders and Direct Debits to your new account.
Ask your existing bank to cancel all payments.
Provide you with letters detailing your new NatWest account details to send to all the people or organisations who pay money into your account.
Ask your existing bank to close your account and transfer your money over.
Transfer any savings accounts you may have elsewhere – it makes things easier if you have your accounts in one place. What we ask you to do is pass on the letters we give you to those who pay money into your account (e.g your employer, pension or child benefit provider), and return all cheque books and debit cards to your existing bank.
How to switch accounts yourself
If you don’t want to use our Switcher Service we’ve pulled together a handy checklist of things that you need to think about when switching your account over.
1. Redirect your income to your new account by completing a credit re-direction letter (we can provide an example of this for you).
2. Get a list of all the regular payments (standing orders and Direct Debits) from your old bank.
3. Contact the companies you have Direct Debits with and ask them to take those payments from your new NatWest account. Information about switching Direct Debits should be available on their websites, or you could give them a call. It’s worthwhile taking a note of when these will be set up from.
4. Cancel all your standing orders with your old bank and set them up on your new account. This can usually be done online, in branch or over the phone. It can take a few days, so make sure you do it well in advance of the first payment date.
5. Once you’re comfortable that all standing orders and Direct Debits have been switched over, you can close your old account.
Switching banks
If you think one of the accounts we’ve introduced you to here would suit you better than the
one you already have, you can switch your current account to us. To make the most of your
account you can switch all your income, standing orders and Direct Debits to us. We have a
switcher service that will take care of everything for you. Or, if you’d prefer, we’ll set out what
you need to do and you can sort it out for yourself.
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To find out more visit natwest.com/currentaccounts or call 0800 200 400 or visit your local branch
Once you’ve applied, and we’ve taken your circumstances into account, we can agree your overdraft limit.
What else do you need to know?
To apply for an overdraft, you must be 18 or over and have a Select, Select Silver, Advantage Gold or Black Account.
Overdraft rates can change.
You can talk to us about reducing your overdraft limit – or increasing it – at any point.
You must pay off the overdraft when we ask you. Please note that even if you do not have an arranged overdraft on your account, if your account goes into an unarranged overdraft position, you will normally have to pay a Returned Item Fee of £6 for any transactions declined by us and/or an Unarranged Overdraft Fee of £6 per day for unarranged overdrafts greater than £6. An unarranged overdraft is created when your account becomes overdrawn without prior arrangement or any arranged overdraft limit is exceeded. Please refer to our leaflet ‘NatWest Personal & Private Current Account Terms’ for further details.
Overdrafts
If you need extra money an overdraft could help. And, as long as you arrange it with
us first, it will protect you from fees and charges for unarranged borrowing.
Use your card to pay for goods and services in shops, online and over the phone.
There is a charge for using your debit card abroad. For more information, visit natwest.com/debitcards
or go to your local branch.
When you use your Visa Debit card to pay for things abroad, we’ll convert the amount you spend into Sterling using the current exchange rate before we take money from your account. Each time you use your card you will also have to pay an Exchange Rate Transaction Fee of 2.75% of the amount you’ve spent plus a charge of £1.25.
Shop safely online with NatWest Secure. Once you’ve registered, whenever you shop online you’ll be asked to enter a password to approve the payment. This helps to prevent fraud on your account.
If you buy something using your Visa Debit card and it’s not delivered or is damaged, we could help you to get your money back. You’ll need to contact the retailer first. But if they can’t help, contact us straight away.
Save time queuing to withdraw money and get cashback at thousands of UK shops. There’s no charge for getting cashback.
Get cash when you’re abroad from over one million Visa cash machines worldwide. There is a charge for this service. For more information visit
natwest.com/debitcards or ask in one of our branches.
If your debit card is ever lost or stolen you can still get access to the money in your account by using our 24-hour Emergency Cash service. If you are an online or telephone banking customer you can withdraw up to £300. If you aren’t you can still withdraw up to £60 to tide you over. These amounts are providing you have the money available in your account. As a minimum you must have £25 available to use this service.
Debit cards
With all our current accounts you’ll get a Visa Debit card. You can use this for your everyday
purchases, no matter how small, in the UK or abroad.
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To find out more visit natwest.com/waystobank or visit your local branch
Online Banking
Manage your money, whenever and wherever you like with Online Banking.
Get up-to-the-minute balances and mini-statements.
See your statements online – going back up to seven years.
Make instant transfers between your NatWest accounts, pay bills and make payments to other people.
Keeping you safe
Our market-leading Rapport software helps protect your online banking log-in details, keeping your identity safe. For more information visit natwest.com/rapport
24-hour UK-based Telephone banking
All our 24-hour telephone banking centres are based in the UK and we aim to answer calls in less than a minute. Plus, we’ll always give you the option to speak to a real person. You can:
check your balance and review transactions
transfer money instantly
pay bills and order foreign currency
set up or amend standing orders.
And once you’re registered for telephone banking you’re all set up to use Online Banking too.
Mobile banking
You can use mobile banking on almost all mobile phones. Just check that your phone can support Java, can connect to the internet using WAP or 3G and has at least 64 kilobytes of free memory.
Standard network message rates apply when using the service and extra network charges can apply when you use the service abroad. It’s important to check this with your network provider.
For more information go to natwest.com/mobile
New mobile iPhone app
With our new and improved iPhone app you can do your banking on the move.
The app lets you see all your NatWest account balances and mini statements, as well as transfer money between your NatWest accounts. There’s a handy cash machine and branch locator too. You need to be a Digital Banking customer to use the app. To find out more, visit
natwest.com/iphone Standard data download charges
may apply. Contact your network operator for details.
Ways to bank with us
Like everything in life, one way of banking that suits one person might not be right for
another. So wouldn’t it be better if you could choose how to bank with us? We think so.
That’s why we give you all the options and leave the decision to you. So what are the
options?
To find out more visit natwest.com/currentaccounts, call 0800 200 400 or visit your local branch
19Do you need more information on our current accounts?
If you’d like more information, you can go online, or speak to someone in branch, or over the phone. You can also read all our terms in our ‘NatWest Personal and Private Current Account Terms’, ‘Personal and Private Current Account Fees and Interest Rates’ and ‘Helping you get the most from your Personal and Private NatWest Current Account’ leaflets. You can get both of these from our branches or online at
natwest.com/currentaccounts
Ready to apply?
Know what you want to get out of your current account? Decided which type of account will be best for you? Then go to the next page to see how to contact us and apply.
What we’ll need
Along with a filled-in application for the account you want to open, you’ll need to give us proof of your identity. We will accept any one of these:
A current signed passport.
If you are not an EU National, a passport with a valid Visa.
EU National ID card.
A UK Armed Forces ID card.
A current full UK driving licence (if you’re over 17).
A benefit book or an original notification letter from the Benefits Agency (including Department for Work and Pensions).
A letter from HM Revenue & Customs.
For students, a current student ID or matriculation card from a recognised university or college.
For under 18s, a UK birth certificate or adoption certificate.
We will also need an original of one of the following as proof of your address:
A gas, electricity or phone bill (not for a mobile phone) you’ve received in the last six months.
A council tax bill that is less than 12 months old.
A bank or building society statement issued within the last six months.
For students, a UCAS letter or an acceptance letter from a university or college.
If you haven’t got any of these items, we might be able to accept something else. Visit us in branch for more information.
For an overdraft we also need either of the following:
Your last three months’ bank statements; or
Proof of your income, such as your last three payslips.
As soon as we receive and process your application we’ll open your account.
Within 10 days of opening your account you’ll receive your debit card and Personal Identification Number (PIN). For security we’ll send these to you separately. It’s important to activate your card so make sure you do this as soon as your card arrives.
You’ll also receive a welcome pack which contains everything you’ll need to know about your new account. Your welcome pack will provide you with details on how to set up online and telephone banking.
If you have opened a Select Silver Account, Advantage Gold Account or Black Account your welcome pack will also contain details of how to register for all the benefits associated with these accounts.
You could also move any existing Direct Debits and income payments to your new account.
If you are using our Switcher Service we’ll begin to move over your existing Direct Debits and keep you informed on how it’s going.
We’ll also be in touch over the next few months to check on how things are going and help you make the most of your account.
What happens after
you apply?
21
22
To find out more visit natwest.com/waystobank or visit your local branch
Notes
To find out more visit natwest.com/currentaccounts, call 0800 200 400 or visit your local branch
23How to apply
Now we’ve explained what you need to open your current account, this is what
to do next:
Talk to us at your nearest NatWest branch or go to
natwest.com/currentaccounts and apply online.
Or you can call us on the following numbers. Calls may be recorded.
General enquiries and more information on Visa Debit cards
or how to switch banks (except Black Account)
Phone 0800 200 400 (Minicom 0800 404 6161)
8am to 8pm Monday to Friday, 9am to 5pm Saturdays and 10am to 4pm Sundays.
Black Account enquiries
Call us on 0800 015 1617 (Minicom 0845 900 5961)
24 hours a day, 7 days a week.Other useful numbers
If you’re interested in our current accounts, why not also see if you’d be better off with
one of our loans, mortgages or savings accounts? Here’s how to find out more.
You can speak to someone in your local branch or visit natwest.com
Alternatively call us on the following numbers. Calls may be recorded.
Savings accounts
Call 0800 255 200
8am to 8pm Monday to Friday, 9am to 5pm Saturdays and 10am to 4pm Sundays.
Mortgages
Call 0800 068 8764
8am to 8pm Monday to Friday, 9am to 4pm Saturdays.
Loans
Call 0800 243 406
8am to 8pm Monday to Friday, 9am to 6pm Saturdays.
Customers with hearing and speech difficulties can contact us by
Minicom 0800 404 6161
.iPhone, is a trademark of Apple Inc.
BlackBerry is a trademark of Research in Motion Ltd. Credit facilities – over 18s only. Calls may be recorded. National Westminster Bank Plc.
Registered Office: 135 Bishopsgate, London, EC2M 3UR.
