NatWest review
Updated September 28, 2026 · DebitCue Editorial Team · Facts checked September 26, 2026
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Our verdict
NatWest suits anyone in the UK who wants a bank that covers debit, student and kids needs under one roof, and a rewards credit card on the side. Its cost score sits at 6, held back by a card type of debit and rewards of points rather than by fees, which start at £0.
Key facts
- Best for
- One bank for everyday spending, a student account and a kids account, plus a rewards credit card
- Monthly fee
- £0 (Source, checked September 26, 2026)
- Card type
- Debit (Source, checked September 26, 2026)
- Features
- Rewards
- Audience
- Students, Kids
- Official website
- natwest.com
Credit cards
Pros and cons
Pros
- Monthly fee of £0 on the current account, level with the site monthly fee median of €0
- Covers a broad audience: student and kids
- A credit card with a rewards feature of rewards
- A debit card of debit, the type most of the site lists at 74.3%
Cons
- A rewards card earns points, while most cards on the site pay cashback at 49.5%
- The card is credit, the kind that makes up 96.8% of the cards compared here
- Points are the minority reward type on the site, at 19.8%
Who it suits
- Anyone who wants one bank covering everyday, student and kids spending
- Points earners who would rather collect rewards than cash back
- Credit card users who also want a current account with a debit card
Who should look elsewhere
- Cashback fans, who would do better with a brand that pays cashback at 49.5%
- Shoppers who want a wide range of rewards types, since miles sit at only 2%
- Prepaid buyers, a type that makes up 20.4% of the site
How NatWest compares










A monthly fee of €0 suits readers who want a euro account and a debit card rather than a credit card.














Frequently asked questions
What does NatWest charge each month?+
The current account carries a monthly fee of £0, which is the same as the site monthly fee median of €0. Across the site the highest monthly fee reaches €99, so the typical case is a charge-free account.
Is the NatWest card a debit card or a credit card?+
NatWest runs both. The current account card is debit, and the credit card sits on the other side, with a rewards feature of rewards. Debit cards account for 74.3% of the cards compared on the site.
How do I earn rewards with the NatWest credit card?+
Rewards come as points, so the reward type is points. Cashback is the more common reward type on the site at 49.5%, which matters if you would rather have money back than points to redeem.
Who is the NatWest account aimed at?+
The brand lists students and kids among the audiences it serves, so student and kids covers those groups. Kids and student accounts are common on the site too, at 37.5% and 18.8%.
Does NatWest offer a card for people with a poor credit history?+
The credit card on offer is a standard credit card, and credit cards make up 96.8% of everything compared on the site. A poor credit score covers 45.7% of the site, so a secured card is often the more realistic route.
What kind of credit is the NatWest card arranged on?+
It is a credit card, with a borrowing rate the site places at a median APR of 20.97%. For reference, the site APR range runs from 0% to 204.6%, so the cost of borrowing varies widely.
How much does a card like this cost to keep?+
On the debit side there is a monthly fee of £0, and site debit accounts go up to €83.23 a month. Annual fees on the same ranking sit at a median of €0, with €167.70 the top figure.
How does the NatWest card compare with other cards?+
NatWest ranks 1 on monthly fee among 419 brands compared, and its overall score on the site is 6. Its cost part is the piece that moves, sitting at 6.
Sources
- natwest.com checked September 26, 2026
Backs: Audience
“Student bank account”
- natwest.com/credit-cards.html checked September 26, 2026
Backs: Card kind
“Compare Credit Cards | Apply for a Credit Card”
- natwest.com/credit-cards/reward-credit-card.html checked September 26, 2026
Backs: Features, Rewards type
“Reward Credit Card | Get Rewarded when you Shop”
- natwest.com/current-accounts/select_account.html checked September 26, 2026
Backs: Card type, Monthly fee
“Everyday bank account”
Compiled from 4 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Currency conversion fee, Free ATM withdrawals, Protection.
NatWest
One bank for everyday spending, a student account and a kids account, plus a rewards credit card