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How do I open an account?

We have a variety of accounts you can choose from below.

Identification to open account

Please make sure you provide the right forms of identification (opens in a new window) when you do open an account with us.

How do I apply for a Current or Savings Account?

To apply for a current or savings account that you can manage online and through our mobile app, you have four options:

1. Mobile app

If you're an existing NatWest customer, you can apply via the NatWest mobile app. Just select 'Apply', choose the account you would like and follow the on-screen instructions.

2. Online

The quickest way to open your account is online.

Please see our range of Current Accounts (opens in a new window) and Savings Accounts (opens in a new window). Once you've selected the type of current account you want to open, follow the instructions to apply.

3. Call us

You can also get in touch with our Account Opening Telephony team. They can help you with a range of Savings accounts as well as our Select and Reward current accounts.

NatWest account opening
0800 200 400 (overseas +44 121 695 9238)
Minicom: 0800 917 0526
Open Monday to Friday 8am - 8pm, Saturday 9am - 3pm
(Opening hours may vary on public holidays)
Calls may be recorded.

4. For help with your online account application, you can also visit a branch

To open in branch you must bring your own digital device such as a mobile or tablet and our staff can assist you opening the account yourself.

NatWest branch locator
Find your nearest branch using our branch locator (opens in a new window).

How do I open a Business Account?

New Business Account

If you need a bank account for your new business, learn how our startup package could help. With 18 months free banking it has been designed to help your startup business get off to a flying start!

Startup Package (opens in a new window)

Switching Business Account from elsewhere

Already have a business account somewhere else? Learn more about how we could help with your business banking and how switching to us works.

Switching (opens in a new window)

Business Banking is available to those aged 18 or over.

Disclaimer

Free banking means that the charges for the day to day running of your account (known as your ‘service charge’) will not apply during the free banking period. At the end of this period, you will automatically move to the standard tariff. Charges for ‘unarranged borrowing’ and ‘additional charges’ are not part of the free banking offer. Free banking applies to businesses that started trading within the past twelve months with projected or existing annual turnover not exceeding £1 million.

How do I open a Business Currency Account?

In order to open a Business Currency Account with us you also need a regular Business Sterling Account. This can be an existing NatWest account, or one that is opened at the same time as the Currency Account. Please note that the name on both accounts should be the same.

Talk to us

For help with this now, you can speak with one of our advisors:

Business customers
03457 114477 (overseas +44 3457 114477)
Minicom: 0800 404 6161
Open 24 hours a day
Calls may be recorded

Visit us in branch

NatWest branch locator
Find your nearest branch using our branch locator (opens in a new window).

How do I open a Community Account?

You don't need to visit a branch to start a Community Account application, but you can find out more about the account (including what you need to open one) on our Community Account page. (opens in a new window)

Our accounts are designed to suit the needs of our customers, whether you need a joint account or you’re under 18. It’s worth noting that depending on if you’re a new or an existing customer, the time it takes to open an account may vary:

How do I open a Joint Account?

You can create a joint account by adding a second applicant to an existing account. 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.

To open in branch you must bring your own digital device such as a mobile or tablet and our staff can assist you opening the account yourself.

Our Current Account range (opens in a new window)

More information about joint bank accounts (opens in a new window)

How long will the account take to open?

New Customer

If you have applied for a current account or an instant saving account online and this is your first account with us, the process may take up to 10 working days dependent upon the identification you provide whilst applying.

Existing customer

If you have applied for a current account or an instant saving account online and you already have an existing account with us, then your new account should be open within 24 hours.

If you've applied for an account already and you need any further information please contact:

NatWest application helpdesk
0345 3030 299
Minicom: 0800 404 6161
Open Monday to Friday 9am - 5pm, closed Sat-Sun.
(Opening hours may vary on public holidays)
Calls may be recorded.

Current or Savings account - option 2
Loan or Overdraft - option 3
Credit Card - option 4

I'm under 18, can I still open an account?

Yes, NatWest offers accounts for under 18s - find out more about accounts for young people. (opens in a new window)

Can I have a Student Overdraft?

Depending on what year you are in at university will depend on what overdraft limit you can have.

You can find more information on our Student Overdraft page. (opens in a new window)

Track application made online

Add Power of Attorney to an account