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

Rewards type
Points (Source, checked September 26, 2026)
Card kind
Credit (Source, checked September 26, 2026)
Features
Rewards
Audience
Students, Kids

Apps and profiles

Get the app
App Store

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%
NatWest

Ready to try NatWest?

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

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

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

NatWest

One bank for everyday spending, a student account and a kids account, plus a rewards credit card

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