NatWest | Reward Silver Account

Monthly fee: £12
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NatWest | Reward Silver Account customer reviews

1.6 out of 5 from 94 reviews

Great account

21:43 08-01-2018

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Easy to use, great benefits and online banking makes everything so easy to use.

Elizabeth Borg

Above average service

21:51 18-09-2017

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I've banked with Natwest for over 30 years and found the service well above aveage

Stuart Wilson

The best

16:00 27-06-2017

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I have accounts with them from the beginning of my journey in Uk and from my town branch I had understood what is and how I can use all my benefits of my bank account. The most interesting thing is the application.Is the most easy and you can understand where your money are what products they have and everything in one you can find there.


So easy to use, my reward build up quickly!

07:29 30-04-2017

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I've been using the instant saver for a couple of year and have all of my household bills linked to the account which regularly gives me enough cash to withe convert to vouchers or dump straight back into my bank


just right

16:07 12-02-2017

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this is great .. has all i need and i know that i can get help on a daily basis should i need to contact anyone...

vivian allman

Always polite

15:28 06-02-2017

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Everytime I have interaction with bank workers they are always polite and very helpful and make my day feel good.


Great Banking

13:21 24-12-2016

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I have been a customer with Nat West for many years and always found them to be reliable and would never change,nothing is too much trouble for them and staff are always happy and friendly. A great bank


Our review of NatWest | Reward Silver Account

Written by: Alex
Our review by Alex

The Reward Silver Account from NatWest is their mid-range account which is priced at £12 per month and comes with additional benefits. As well as the usual access to mobile and online banking, customers can earn 3% cashback on their household bills if paid by Direct Debit from their account. Customers will also have access to an overdraft and be able to withdraw up to £130 per day from selected ATMs without needing their Reward Silver Account debit card.

In comparison to some of the other Natwest accounts, the travel insurance offered by the Reward Silver Account is limited to Europe and is not worldwide. Saying this, the Reward Silver Account does come with a number of lifestyle benefits such as discounted live music and dance event tickets. If you’re a regular restaurant goer you can also make the most of a free tastecard which will give up 50% off at a number of restaurants across the country. The mobile insurance covers theft, accidental damage and malfunctions, however unlike some of the more expensive accounts from NatWest, you won’t be covered if you lose your phone and there is a £75 excess.

NatWest have unfortunately received some negative reviews online and they’ve been given a rating of ‘bad’ on TrustPilot for their business as a whole, not just their Reward Silver Account. There seems to be a number of customers that have been left disappointed with their fraud investigation service, unjustifiable fees and seemingly seemingly uncaring customer service.

Overall verdict: The NatWest Reward Silver Account is their mid-range offering. There aren’t as many benefits as some of the more expensive accounts, but if you don’t regularly travel worldwide or have a car then it shouldn’t be a problem. Do be sure to register your household Direct Debits to your account so you can maximise your 3% return which can add up over time.


  • Mobile phone insurance
  • European travel insurance
  • 3% Rewards on selected household bills paid by Direct Debit
  • Manage the account with online and mobile banking
  • Earn 25% cashback on tickets for theatre, dance and concerts throughout the UK
  • Free Tastecard

Minimum criteria

  • You must be aged over 18
  • You need to be a UK resident

About NatWest | Reward Silver Account

The NatWest Reward Silver Account costs £12 per month and in return offers lifestyle-based benefits. Customers receive European travel insurance, mobile phone insurance and a 3% return on selected household bills that are paid for using Direct Debit from their Reward Silver Account. This can be applied to council tax, mobile or landline phone, TV, water, gas, electricity and broadband – the rewards earned will have no upper limit and can either be converted to cash and paid to your Reward Silver Account, given in high-street store vouchers or donated to charity.

The European travel insurance covers sole or joint Reward Silver Account holders for trips up to 22 days and also includes winter sports. Customers are also able to get preferential rates on foreign currency from the NatWest Travel Money service – this can be ordered either over the phone or online and can be delivered to your home address. NatWest Reward Silver Account holders will also receive a tastecard which gives them 2 for 1 or 50% off their bill at restaurants across the UK as well as 25% cashback on tickets for theatre, dance, opera, concerts and performances throughout the UK and Ireland.

Customers can apply for an arranged overdraft and the upper limit is decided by NatWest using information on your financial history and personal circumstances provided during the application process. For the Reward Silver Account customers pay no interest on the first £10 of their overdraft, after this there is a charge of £6 and any interest accrued if you use your arranged limit.