select silver rbs travel insurance

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The current accounts that include travel insurance

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We round up the free and fee-charging current accounts that offer account holders some form of travel insurance.

Finding the right travel insurance can be time-consuming so it’s understandable why some people may be tempted by current accounts that offer free travel insurance.

We reveal what your options are and what they include.

Nationwide FlexPlus

Nationwide’s FlexPlus  account offers worldwide family travel insurance, but the account comes with a monthly fee of £13.

Travel insurance is available for those under 69 years of age, but you can pay £65 extra a year to ensure cover after this age.

Worldwide family mobile phone insurance and UK and European breakdown cover and recovery assistance is also included.

The building society recently announced it was tweaking its travel insurance policy, so we got in touch to find out what was changing with the FlexPlus policy.

Here are the key changes, according to a spokesperson:

• Increased the funeral or cremation limit;
• Increased emergency cash limit to £300;
• Introduced new upgrades for cruise cover and personal belongings;
• Reduced the missed delay or abandoned departure cover;
• Added an additional cancellation reason – vehicle accident or breakdown in the seven days before departure for self-drive holidays.

How to get travel insurance if you have a pre-existing condition

Club Lloyds Platinum

Club Lloyds Platinum includes many of the benefits of its Silver account, which is  no longer available  to new customers.

For £19 a month (plus £3 if you fail to pay in at least £1,500 a month), worldwide travel insurance is available to account holders up to the age of 80.

The insurance covers you and your family for up to 45 consecutive days per trip.

Winter sports is covered for a maximum of 31 days in any calendar year.

Other extras with this account include AA breakdown cover, mobile phone insurance, a £300 fee-free overdraft and up to 2% in-credit interest.

Travel insurance for the over 50s

Barclays allows you to personalise your current account by adding ‘packs’ which will cost you a monthly fee.

For £12.50 a month, you can add the  Travel Pack . This offers worldwide, multi-trip travel insurance, which covers you, your domestic partner, children and joint account holders, up to the age of 80.

All trips must start and end in the UK and last no longer than 31 days and includes RAC breakdown cover in the UK and Europe.

There’s also the  Travel Plus Pack , which costs £18 a month and includes worldwide, multi-trip travel insurance for you, your domestic partner, children and joint account holders up to the age of 80.

You get six free airport lounge visits every year, which can be used by you or your family – or you can opt for a free spa treatment at an airport instead.

RAC breakdown cover in the UK and Europe is included, as well as discounts on airport parking and hotel packages.

Compare current accounts with loveMONEY

NatWest Premier

With NatWest’s Premier Reward Black Account, you can get worldwide travel insurance for you and your family for trips of up to 90 days, including 31 days for winter sports.

For those over the age of 70, you need to contact NatWest every year for cover, be medically screened and pay an annual premium of £75 per person.

Mobile phone insurance, UK and European breakdown cover, home emergency service and discounts on theatre and cinema tickets are also included.

You can also get unlimited access to over 1,000 lounges worldwide and discounts at restaurants, cafes and spas in airports among other benefits – all for £31 a month.

On top of these features, you can also receive £150 for switching to NatWest by 6 December, which also applies to the Select Premier account.

The Reward Platinum account costs £20 a month and includes worldwide multi-trip travel insurance, UK breakdown cover, mobile phone insurance, Tastecard membership and discounted cinema tickets.

Again, there's a £75 annual premium on the travel insurance for those over 70.

Royal Bank of Scotland (RBS) offers Select Silver and Select Platinum accounts, and the £150 switching offer from RBS is only valid until 29 November. 

All these accounts by RBS and NatWest also allow you to earn 2% in cashback on seven types of household bills paid by Direct Debit although from February 2020, you'll no longer receive 2% cashback. 

Instead, you'll get a set amount, which depends on having at least two Direct Debits set up and you logging into the account every month.

You can find out more about how the Rewards scheme will work here .

The best UK packaged bank accounts

Halifax Ultimate Reward

The Ultimate Reward Account from Halifax costs £17 a month (or £15 if you pay in £750 a month and set up two Direct Debits from the account) and includes worldwide multi-trip family travel insurance.

Other benefits include AA breakdown cover, mobile phone insurance, home emergency cover and the chance to earn cashback with certain retailers when you pay with your debit card.

Do your sums

Before you sign up for a premium current account, it's worth working out the value of the benefits the account offers versus how much they would cost if you bought them separately.

And if you don't use one or more of the benefits, then it's not likely to be worth the monthly fee.

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HelloSafe » Travel Insurance » Reviews by Travel Insurance Companies » Royal Bank of Scotland Travel Insurance

Royal Bank of Scotland Travel Insurance Review and Quotes

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Our articles are written by experts in their fields (finance, trading, insurance etc.) whose signatures you will see at the beginning and at the end of each article. They are also systematically reviewed and corrected before each publication, and updated regularly.

Table of Contents

It might be the least exciting thing about your journey. But travel insurance is a must-have when it comes to getting assistance from the other side of the world.

Are you aware of this and are here to know whether Royal Bank of Scotland is the right company to go on holidays with?

In this definitive Royal Bank of Scotland review, we will tell you everything you need to know about their travel insurance policies: coverage options, prices, contact details, cancellation or claim process and much more. Let’s dive in!

Is Royal Bank of Scotland the best travel insurance for you?

Always just going for the cheapest travel insurance might not be the best option when it comes to getting assistance or a refund abroad.

At Safe, we strive to help any people travelling from the UK to get the best travel insurance to leave home with complete peace of mind. This is why we’ve dug into Royal Bank of Scotland travel insurance policy booklet and attributed our own neutral rating based on five weighted criteria as shown below.

4,2 Safe overall rating for Royal Bank of Scotland

Royal Bank of Scotland travel insurance reviews by expert and consumers

To check if Royal Bank of Scotland is the right travel insurance for you, you can use our free travel insurance comparison tool and get quotes from main travel insurance companies in a few seconds only. 100% anonymous and free.

Find the best travel insurance in just a few seconds!

What does Royal Bank of Scotland travel insurance cover?

Royal Bank of Scotland travel insurance offers different travel insurance covers to suit any traveller needs, whether you’re leaving for three days alone in Scotland or six months in Antarctica with your partner or whole family.

RBS's travel insurance policies are available to individuals, couples and families.

Royal Bank of Scotland single-trip and annual multi-trip travel insurances

You will find below the limits breakdown per level of cover for single and annual multi-trip insurance policies at Royal Bank of Scotland:

Royal Bank of Scotland winter sports travel insurancet

The winter sports travel insurance is usually an option that you can take on top of your single or annual multi-trip policy.

Winter Sports Cover is included as standard across all account types at RBS and it comes with the following benefits:

• Up to £400 ski equipment cover
• Up to £250 ski pack cover
• Up to £200 avalanche cover
• Up to £930 piste closure cover.

What are the other travel insurance options available at Royal Bank of Scotland?

Due to Brexit, some outbound flights from international airports might be delayed or cancelled. We would advise you to call Royal Bank of Scotland before travelling and make sure you get the right compensation amount for your flight or journey if it is cancelled or delayed as well as for Schedule Airline Failure Cover.

How much is Royal Bank of Scotland travel insurance?

You'll find below indicative quotes per level of cover at Royal Bank of Scotland:

It is, however, quite difficult to give precise price ranges as Royal Bank of Scotland travel insurance policy quotes will depend on a range of factors such as:

• Your age at the time of travelling
• The length of your stay
• Your trip destination (Europe, North America, Worldwide)
• The period you wish to be covered for (single trip, annual multi-trip, extension)
• If you need specific insurance (cruise, ski, backpackers, gadget cover)
• Your medical condition before travelling
• Who is travelling with you (on your own, as a couple, as a family).

Can I get travel insurance discounts or promo codes at Royal Bank of Scotland?

There are no discounts mentioned on the website.

Use our travel insurance comparison tool to be aware of latest promo codes and vouchers available at Royal Bank of Scotland.

What else should I know about Royal Bank of Scotland travel insurance?

What are the general exclusions at royal bank of scotland travel insurance.

To be eligible for a travel insurance policy at RBS:

• You must be a UK resident
• You have to have a valid Reward Bank Account at RBS
• You must be transparent about any pre-existing medical conditions of everyone named on the policy
• You must not exceed the period of insurance unless you bought a trip extension cover
• You must be 69 years or below unless you bought an age extension cover
• You must be travelling with the intention to return home.

How do I get travel insurance quote from Royal Bank of Scotland?

Nothing easier. Use our 100% online travel insurance comparison tool to compare all policies in just a few seconds, without giving any personal details. If Royal Bank of Scotland is the right one for you, then just click on get quote and you'll be automatically directed through the company's sale channel.

Good to know

Shopping around while shopping for personal insurance and not auto-renewing is always the best way to get the best deal and benefit from new customers discounts.

How do I log in to Royal Bank of Scotland website?

Through the customer portal, you can learn about your benefits, use your benefits online, view your benefits usage history and also make claims. You can click on the customer portal link .

How to claim at Royal Bank of Scotland travel insurance?

There are 2 ways to make a claim and that is either online or through a phone call.

How do I contact Royal Bank of Scotland travel insurance?

Royal bank of scotland contact phone numbers, royal bank of scotland other contact details, how to cancel your annual royal bank of scotland travel insurance policy.

You will find below main information to cancel your travel insurance policy at Royal Bank of Scotland:

Our opinion on Royal Bank of Scotland travel insurance

RBS's travel insurance policies are underwritten by U K Insurance Limited which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

They offer Annual Multi Trip insurance policies as standard across their Reward Bank Accounts: Silver, Platinum and Black. Instead of paying an insurance premium, you only pay a monthly fee of maintaining your Reward Current Bank Account. The period of insurance varies across the levels of covers with Silver covering 22 days per trip, Platinum covering 31 days per trip, and Black covering 90 days per trip. Winter Sports Cover is included as standard across all 3 accounts. The Silver account offers European Travel Insurance while the Platinum and Black accounts offer Worldwide Travel Insurance.

In addition to the travel insurance, you can also enjoy the following benefits when opening a Reward Bank Account at RBS:

• Mobile phone insurance
• Debit card purchases abroad at no extra charge
• UK car breakdown cover
• Discounts on holidays when you book with Platinum Travel Service
• Two free UK airport lounge passes with each Platinum Travel Service holiday booking.

We would recommend Royal Bank of Scotland to anyone looking to open a current bank account that comes with a travel insurance cover as standard.

Alexandre Desoutter has been working as editor-in-chief and head of press relations at HelloSafe since June 2020. A graduate of Sciences Po Grenoble, he worked as a journalist for several years in French media, and continues to collaborate as a as a contributor to several publications. In this sense, his role leads him to carry out steering and support work with all HelloSafe editors and contributors so that the editorial line defined by the company is fully respected. and declined through the texts published daily on our platforms. As such, Alexandre is responsible for implementing and maintaining the strictest journalistic standards within the HelloSafe editorial staff, in order to guarantee the most accurate, up-to-date information on our platforms. and expert as possible. Alexandre has in particular undertaken for two years now the implementation of a system of systematic double-checking of all the articles published within the HelloSafe ecosystem, able to guarantee the highest quality of information.

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RBS: Select Silver Current Account reviews

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About the select silver current account.

The RBS Reward Silver Account is available to existing RBS current account holders. It charges a monthly fee and provides account holders with a range of benefits. These include European travel insurance, mobile phone insurance, redeemable rewards and more. Before upgrading your current account to a reward account, check customer reviews. Be confident that the benefits and perks of the account are suited to your wants and needs. Make sure you’re making the right choice by reading the RBS Reward Silver Account reviews on Smart Money People. If you’re interested in the Reward Silver Account, learn more about it from genuine account holders. Find out why customers chose this account and how happy they’ve been. Read about the available rewards and perks to decide whether they sound right for you. Find out how easy it is to get in contact and how quickly issues or concerns are resolved by the customer service team. Take a look through our RBS Reward Silver Account reviews to find the ones most relevant to you. Do you have a Reward Silver Account? What made you upgrade to this account and how long have you had it open? What is your favourite feature of the account, and is there anything that you feel could be improved? Do you use the mobile banking app, and if so, which feature is your favourite? Share any experiences you’ve had with the customer service team. Would you recommend the account to your family and friends? Whether good or bad, write an honest RBS Reward Silver Account review today. Together, we can help people like you make better financial decisions.

Review RBS: Select Silver Current Account now

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Platinum Travel Insurance Terms - RBS

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Explore your Reward Platinum benefits

You get a range of benefits from car breakdown to travel insurance and much more 

Please note: Your monthly account fee will increase from £20 to £22 from 28th June 2024.

On this page

Access your Reward Platinum benefits through Membership Services

To access your account’s insurance and lifestyle benefits, full terms and conditions, and any exclusions or excesses that apply, just visit our Membership Services.

What is Membership Services?

Membership Services is our online portal where you can read about each of your benefits, use your benefits and view your benefit usage history.

• Make a travel insurance claim.
• Answer medical screening questions.
• Register your mobile phone.
• Make a mobile phone claim.
• Get discounted cinema tickets.
• Find local tastecard restaurants.

We’ve gathered all the information for your Reward Platinum benefits in one place.

Important documents.

We do our best to ensure everyone is aware of their account terms and conditions, please take some time to review, print and/or save a copy of these. 

• Platinum Account Insurance Product Information Document (PDF, 251 KB)
• Platinum Benefit Terms (PDF, 404 KB)
• Platinum Fee Information Document (PDF, 1 MB)
• Your Current Account Terms (PDF, 1 MB)
• MyRewards Terms (PDF, 104 KB)

Your account fee is increasing

Your monthly account fee will increase from £20 to £22 from 28th June 2024. It’s important to review your account to make sure it still meets your needs.

We want to explain what it means for you and why we’re doing this. There are other options, and we’ve included details of help and support that are available to you.

• Reward Platinum Monthly Fee Increase | Notice of Variation (PDF, 84 KB)

Features and benefits

• Travel benefits
• Protection benefits
• Lifestyle benefits

Travel benefits OpenClose

Travel insurance, worldwide travel insurance.

• Worldwide travel insurance that covers you and your family for 31 days per trip (including winter sports).
• Cover for you, your partner and dependent children under 18 (or under 23 if in full time education) at the start of the journey. Children must be living at the home address (or with the other parent), and be neither married nor in a Civil Partnership.
• Emergency medical expenses, cancellations, baggage and more.

Policy underwritten by AWP P&C SA and administered by AWP Assistance UK Ltd trading as Allianz Assistance.

Things to remember

• Your partner is the person you, the account holder, live with at the same home address in a relationship, whether married or cohabiting.
• If you or the joint account holder are aged 70 or over, you will need to contact us to pay for a £75 annual age extension upgrade for each person insured aged 70 or over for cover to apply.

Before you book or commence any travel

To find out if you can extend your travel insurance to include cover for any new or existing medical conditions  please sign in and complete the online form .

If wish to discuss how your insurance works, you can call us:

UK: 0345 609 0456 | Relay UK: 18001 0345 609 0456 | Monday to Friday, 8am-8pm | Saturday, 9am-5pm | Sunday, 10am-5pm.

Pre-existing medical conditions

Pre-existing medical conditions won't be covered. You may have to pay extra for this cover or you may find that your condition cannot be covered. 

If Allianz Assistance are unable to offer you an upgrade to extend the level of cover you need, or your upgrade insurance premium is higher than you expected because you have medical conditions, help could still be available.

You may be able to obtain alternative travel insurance cover for pre-existing medical conditions by contacting one of the providers featured in the  MoneyHelper Directory  of specialist travel insurance providers for people with serious medical conditions. Do take time to study and compare the terms and conditions to ensure you have the cover you need.

Telephone: 0800 138 7777 | Relay UK: 18001 0800 138 7777 | Monday to Friday, 8am-6pm | Saturday, Sunday and Bank Holidays, closed.

How to make a claim

To make a travel insurance claim  please sign in and complete the form online .

If you are injured or ill while you are away, call our Emergency Assistance Service:

UK: 0345 609 0456 | Relay UK: 18001 0345 609 0456 | Overseas: +44 (0)208 666 9277 | 24/7, 365 days a year. 

Full details on travel insurance

Fee-free debit card purchases abroad

• Use your debit card for purchases anywhere in the world without the worry of incurring extra charges or carrying around lots of cash.
• No non-sterling transaction fee when you make a payment using your Reward Platinum debit card outside the UK, or on any payment in a foreign currency.
• Not valid for ATM withdrawals. Other local fees may apply.
• We explain the charges for this at  rbs.co.uk/travel  along with tips for when you’re travelling abroad.

Full details on fee-free debit card purchases abroad

Protection benefits OpenClose

Mobile phone insurance.

• You're automatically covered but we recommend you  register your mobile phone  to make the claims process quicker.
• Worldwide cover for your mobile phone against loss, theft, accidental damage or breakdown (after the manufacturer's or any other relevant warranty has expired). Please note if you're outside the UK we won't repair or replace your phone until you return.
• 2 approved claim during any 12-month period. If this is a joint account, each account holder can make 2 approved claim.
• Standard accessories that are lost, stolen or damaged at the same time as your phone, are covered up to £250

Policy underwritten by Aviva Insurance Limited.

• There’s a £100 excess for each approved claim when your phone is replaced.
• There’s a £50 excess for each approved claim when your phone is repaired if you take your phone to our repair agent or our repair agent comes to your location to repair your phone.
• There’s a £100 excess when you mail your phone to us to be repaired.
• Phones with a screen size of 7 inches or greater aren’t covered.
• Covers the phone you use on a daily basis. If your account is in joint names, cover is also provided for the phone the other account holder uses on a daily basis. There’s no cover for phones owned by your employer.

Make a claim 

• Claims are settled by replacing or, in certain circumstances, repairing your phone. We'll arrange a repair or replacement asap, so long as you're in the UK.
• Claims should be reported as soon as possible when theft, loss, damage or breakdown is discovered.
• Replacement phones are refurbished handsets in 'as new' condition using genuine manufacturer parts. 
• Repairs use genuine manufacturer or manufacturer quality parts.
• If your phone has been lost or stolen, you must report it to your network provider as soon as reasonably practical after the event.
• If your phone has been stolen, you must report it to the police and request a crime reference number.
• We won't pay any claim where you do not provide the IMEI number or the IMEI number you provide is currently recorded as lost or stolen.

Log a claim

Alternatively you can call us on:

UK: 0345 609 0456 | Relay UK: 18001 0345 609 0456 | Monday to Friday, 8am-8pm | Saturday, 9am-6pm | Sunday, 10am-5pm | Bank Holidays will be opened during the same hours noted, excluding Christmas Day and New Year’s Day.

Full details on mobile phone insurance

UK car breakdown cover

The AA provide our UK breakdown cover. If your car breaks down, you’re sorted.

• All your vehicles are covered - your policy covers any privately registered vehicle you travel in, anywhere in the UK. It also covers your vehicle if it is being driven by someone else with your permission.
• Roadside Assistance - anywhere in the UK.
• At Home - get help when your vehicle won't start at home.
• National Recovery - if the AA can't get your vehicle going, they'll take you and your vehicle to a destination of your choice.
• Onward Travel - if your vehicle can't be fixed at the roadside, the AA can help you complete your journey. This may be by arranging a replacement vehicle, booking you a night's accommodation or funding alternative transport costs (i.e. rail fares) where appropriate.
• Accident Assist - a 24/7 accident claims service. The AA will handle your insurance claim - at no additional cost - no matter which company insures you.

Policy is provided by Automobile Association Developments Limited (trading as AA Breakdown Services)

Things to remember:

• Doesn't cover any repair costs once the insured vehicle has been transported to a garage or repairer.
• Repeat call-outs for the same fault within 28 days won't be covered.
• All vehicles must meet legal requirements - insured, taxed and with a valid MOT.
• All vehicles must be within 3.5 tonnes and no wider than 2.55m.

Full details on car breakdown cover

Broken down and need assistance?

If you’ve broken down and need help, you can register and track this on  the AA app  or call us on:

UK: 0345 609 0456 | Relay UK: 18001 0345 609 0456 | 24/7, 365 days a year.

Lifestyle benefits OpenClose

Cinema discount.

• Buy online through membership services and get great savings off the price of cinema tickets.
• Valid at over 250 UK cinemas including Vue, ODEON and Showcase.
• Great prices on cinema eCodes to redeem at one of many cinemas throughout the UK - any day, any time, any film.
• Prices depend on cinema chains and locations across the UK.
• You can buy up to 6 eCodes per booking, and book as many times as you want all year round.

Using your eCodes is easy

1.  Sign in  and select Cinema discount benefit.

2. Choose your cinema chain.

3. Purchase your eCodes.

4. Choose the film, date, time and seat you want when you use your eCodes either on the cinema’s website or at the Box Office.

Sign in to Membership Services

Full details on cinema discount

• Exclusions on offers and available days may apply, check with participating restaurants.
• Where restaurants offer 50% off food or 25% off food and drinks they may limit the number of people; where restaurants offer 2 for 1 this does not include side dishes or extras.
• Remember to take your card or digital membership with you.
• Bookings must be made by the account holder and some restaurants may ask that you book in advance when using your tastecard.
• Digital memberships will be sent out to you via email or letter, close to the time your current membership expires. 
• You can request a plastic card or order a replacement tastecard for £15 (at your cost) by signing in to your  Membership Services .

Use your tastecard

Full details on tastecard

Rewards OpenClose

Earn rewards.

• Get £4 a month back in Rewards for 2 or more Direct Debits (2 of those Direct Debits needs to be at least £2 each).
• Get £1 a month back in Rewards with 1 mobile app log in.
• Earn at least 1% in Rewards by shopping at our partner retailers. 

Redeem and exchange Rewards

• Redeem Rewards as cash which you can then transfer straight into your bank account or pay towards your Royal Bank credit card balance.
• Exchange your Rewards into money which is donated to one of our chosen charities.
• Trade up for eGift cards which you can use online or in store with our partner retailers.

How do I access MyRewards?

You can see your MyRewards balance and exchange straight from the Royal Bank app with the touch of a button. There's no need to use a password. Simply tap the MyRewards tile then earn Rewards, exchange Rewards or view statement. 

Have an existing Travel Service booking?

The Travel Service was withdrawn on 1 March 2024. The Travel Service team are still available to support existing bookings, and you can continue to manage your booking, including making a payment, online.

Visit  Membership Services  or call us on 0345 609 0456 (Relay UK 18001 0345 609 0456).

Lines are open from 9am - 6pm Monday to Friday; 9am - 1pm Saturdays; closed Sundays and public holidays (including Christmas Day). Please be advised calls are recorded for training and quality assurance purposes.

Accessing MyRewards is easy

• On your mobile or tablet, open the camera and point your device at the QR code.
• A link will pop up, tap this, and you’ll be taken straight to MyRewards in your Royal Bank mobile banking app. 

Not able to scan the QR code? 

You can still get into MyRewards by:

• Using this  MyRewards link  to get into your app.
• Or you log in using  Digital Banking  and use the MyReward section to access MyRewards.

App available to customers aged 11+ with compatible iOS and Android devices and a UK or international mobile number in specific countries.

You’ll be taken straight to MyRewards in your Royal Bank mobile banking app .

Don't have the app? 

Access MyRewards by logging in to  Digital Banking  and click the MyReward section.

You’ll be taken straight to MyRewards in your  Royal Bank mobile banking app .

Change your bank account

Want to change your bank account?

It's quick and easy to change your current account, you'll keep your existing sort code and account number.

Specific account eligibility criteria and monthly fee may apply.

Frequently asked questions

How can i get a copy of my travel insurance policy.

You can download a copy of your policy using the link below.

If you would like a hard copy of the policy, call us on UK: 0345 609 0456 | Relay UK: 18001 0345 609 0456 | Monday to Friday, 8am-8pm | Saturday, 9am-5pm | Sunday, 10am-5pm.

Platinum Travel Insurance Terms (PDF, 717 KB)

Do I need to let Royal Bank know that I am travelling?

No, you do not need to tell us that you are travelling in order to be covered by our travel insurance however register your travel details with Royal Bank at least 24 hours before your trip, and we'll do our best to ensure your holiday spending isn't affected at all.

Simply go to the app, tap on the account that your card is linked to, select 'Manage my card' and then select ‘Going Abroad’ to register your trip.

You can register one trip at a time. It can include up to seven countries and last 90 days. Register each country you are visiting. The marker will apply to all debit cards in your name. Joint account holders should register separately.

Get more information on  spending abroad  and how to minimise fees and charges.

Where can I find full information on my benefits?

You can access full information on your Reward Platinum benefits through Membership Services.

Sign in/Register

Do my Rewards expire?

No, your Rewards won't expire. There is no time limit to exchange or trade up your Reward balance.

If you’ve traded up your Rewards for an eGift card, please check the ‘Your MyRewards Trade Up’ email containing your code for the expiry date.

I traded up my Rewards, but I've not received my eGift card/code?

Please check the following:

• Check we have the correct email address registered for you at MyRewards. This may be different from the one we have on our bank records. Log in to MyRewards then tap My Account > Your Personal Details to check.
• Check your spam folder.
• Some small and workplace email providers may block MyRewards emails. Please check the security settings on your email account, or update your email address to ensure you are able to receive MyRewards emails. 

After following the steps above, please contact us if you need us to resend your eGift card(s).

What do the different account balances mean?

The main change you will see is the balance that was previously called “Available balance” has changed into two separate parts:

• Balance including pending transactions – this is now the prominent balance you will see for your current account (and will be shown in bold)
• Arranged overdraft limit (if you have one)

What do my balances include?

Balance including pending transactions -  this is the amount of your own money including any pending transactions outstanding. It doesn’t include cheques until they are cleared (for more detail on pending transactions and cheque clearing see below).

Overdraft Limit -  this is your arranged overdraft limit. If you do not have one, this will not show.

Overdraft Remaining -  this shows the remaining amount of your arranged overdraft, this will only be displayed if you are using your limit.

Account Balance -  this is how much money you have in your account before any pending transactions are processed and includes uncleared cheques paid in. This was previously called ‘Today’s balance’.

Switch to Royal Bank

The Current Account Switch Service will do all the work when it comes to switching, moving everything across from your old account all within 7 working days, including Direct Debits and standing orders. All you need to do is tell us the details of your old bank account and when you want the Switch to start.

We can not switch savings accounts or ISAs through this service. Any other products you have with your old bank will not be moved at the same time.

Current Account Switch Guarantee (PDF, 39KB)

A Guide to Switching Current Accounts (PDF, 3MB)

How does the Switch Service work?

Something else we can help you with?

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Explore your Reward Silver benefits

You get a range of benefits including travel insurance, mobile phone insurance and much more

On this page

Access your Reward Silver benefits through Membership Services

What is membership services.

Membership Services is our online portal where you can read about each of your benefits, use your benefits and view your benefit usage history.

• Make a travel insurance claim.
• Answer medical screening questions.
• Register your mobile phone.
• Make a mobile phone claim.
• Get discounted cinema tickets.
• Find local tastecard restaurants.

We’ve gathered all the information for your Reward Silver benefits in one place.

Important documents.

We do our best to ensure everyone is aware of their account terms and conditions, please take some time to review, print and/or save a copy of these. 

• Silver Travel Insurance Policy (PDF, 461 KB)
• Silver Benefit Terms (PDF, 131 KB)
• Silver Fee Information Document (PDF, 1 MB)
• Your Current Account Terms (PDF, 1 MB)
• MyRewards Terms (PDF, 90 KB)

Features and benefits

• Travel benefits
• Protection benefits
• Lifestyle benefits

Travel benefits OpenClose

Travel insurance, european travel insurance .

• UK & European travel insurance that provides you with cover for up to 22 days per trip (including winter sports).
• Only you and any joint current account holders will be covered.
• Emergency medical expenses, cancellations, baggage and more.

Policy underwritten by AWP P&C SA and administered by AWP Assistance UK Ltd trading as Allianz Assistance.

Things to remember

• Your partner is the person you, the account holder, live with at the same home address in a relationship, whether married or cohabiting.
• If you or your joint account holder are aged 70 or over, you will need to contact us to pay for a £75 annual age extension upgrade for each person insured aged 70 or over for cover to apply.

Before you book or commence any travel

• To find out if you can extend your travel insurance to include cover for any new or existing medical conditions  please sign in and complete the online form .
• If you wish to discuss how your insurance works, you can call us: UK: 0345 601 5219 | Relay UK: 18001 0345 601 5219 | Monday to Friday, 8am-8pm | Saturday, 9am-5pm | Sunday and Bank Holidays, 10am-5pm.

Pre-existing medical conditions

• Pre-existing medical conditions won't be covered. You may have to pay extra for this cover or you may find that your condition cannot be covered. 
• If Allianz Assistance are unable to offer you an upgrade to extend the level of cover you need, or your upgrade insurance premium is higher than you expected because you have medical conditions, help could still be available.
• You may be able to obtain alternative travel insurance cover for pre-existing medical conditions by contacting one of the providers featured in the  MoneyHelper Directory  of specialist travel insurance providers for people with serious medical conditions. Do take time to study and compare the terms and conditions to ensure you have the cover you need. Telephone: 0800 138 7777 | Relay UK: 18001 0800 138 7777 | Monday to Friday, 8am-6pm | Saturday, Sunday and Bank Holidays, closed.

How to make a claim

• To make a travel insurance claim  please sign in and complete the form online .
• If you are injured or ill while you are away, call our Emergency Assistance Service: UK: 0345 601 5219 | Relay UK: 18001 0345 601 5219 | Overseas: +44 (0)20 8666 9275 | 24hrs a day, 365 days a year.

Full details on travel insurance

Fee-free debit card purchases abroad

• Use your debit card for purchases anywhere in the world without the worry of incurring extra charges or carrying around lots of cash.
• No non-sterling transaction fee when you make a payment using your Reward Platinum debit card outside the UK, or on any payment in a foreign currency.

Things to remember  

• Not valid for ATM withdrawals. Other local fees may apply.
• We explain the charges for this at  natwest.com/travel  along with tips for when you’re travelling abroad.

Full details on fee-free debit card purchases abroad

Protection benefits OpenClose

Mobile phone insurance.

• You're automatically covered but we recommend you  register your mobile phone  to make the claims process quicker.
• Worldwide cover for your mobile phone against loss, theft, accidental damage or breakdown (once your manufacturer's warranty has expired). Please note if you're outside the UK we won't repair or replace your phone until you return.
• 1 approved claim during any 12-month period. If this is a joint account, each account holder can make 1 approved claim.
• Standard accessories that are lost, stolen or damaged at the same time as your phone, are covered up to £250.

Policy underwritten by Aviva Insurance Limited.

• There’s a £100 excess for each approved claim when your phone is replaced.
• There’s a £50 excess for each approved claim when your phone is repaired if you take your phone to our repair agent or our repair agent comes to your location to repair your phone.
• There’s a £100 excess when you mail your phone to us to be repaired.
• Phones with a screen size of 7 inches or greater aren’t covered.
• Covers the phone you use on a daily basis. If your account is in joint names, cover is also provided for the phone the other account holder uses on a daily basis. There’s no cover for phones owned by your employer.

Make a claim  

• Claims are settled by repairing your phone, where possible. If we’re unable to repair your phone, or it’s been lost or stolen, we’ll arrange a repair or replacement asap, so long as you're in the UK.
• Claims should be reported as soon as possible when theft, loss, damage or breakdown is discovered.
• Replacement phones are refurbished handsets in 'as new' condition using genuine manufacturer parts. 
• Repairs use genuine manufacturer or manufacturer quality parts.
• If your phone has been lost or stolen, you must report it to your network provider as soon as reasonably practical after the event.
• If your phone has been stolen, you must report it to the police and request a crime reference number.
• We won't pay any claim where you do not provide the IMEI number or the IMEI number you provide is currently recorded as lost or stolen.

Log a claim

Alternatively you can call us on:

UK: 0345 601 5219 | Relay UK: 18001 0345 601 5219 | Monday to Friday, 8am-8pm | Saturday, 9am-6pm | Sunday, 10am-5pm | Bank Holidays will be opened during the same hours noted, excluding Christmas Day and New Year’s Day.

Full details on mobile phone insurance

Lifestyle benefits OpenClose

Cinema discount.

• Buy online through membership services and get great savings off the price of cinema tickets.
• Valid at over 250 UK cinemas including Vue, ODEON and Showcase.
• Great prices on cinema eCodes to redeem at one of many cinemas throughout the UK - any day, any time, any film.
• Prices depend on cinema chains and locations across the UK.
• You can buy up to 6 eCodes per booking, and book as many times as you want all year round.

Using your eCodes is easy  

1.  Sign in  and select Cinema discount benefit.

2. Choose your cinema chain.

3. Purchase your eCodes.

4. Choose the film, date, time and seat you want when you use your eCodes either on the cinema’s website or at the Box Office.

Sign in to Membership Services

Full details on cinema discount

• Exclusions on offers and available days may apply, check with participating restaurants.
• Where restaurants offer 50% off food or 25% off food and drinks they may limit the number of people; where restaurants offer 2 for 1 this does not include side dishes or extras.
• Remember to take your card or digital membership with you.
• Bookings must be made by the account holder and some restaurants may ask that you book in advance when using your tastecard.
• Digital memberships will be sent out to you via email or letter, close to the time your current membership expires. 
• You can request a plastic card or order a replacement tastecard for £15 (at your cost) by signing in to your  Membership Services .

Use your tastecard

Full details on tastecard

Rewards OpenClose

Earn rewards, how to earn rewards.

• Get £4 a month back in Rewards for 2 or more Direct Debits (2 of those Direct Debits needs to be at least £2 each).
• Get £1 a month back in Rewards with 1 mobile app log in.
• Earn at least 1% in Rewards by shopping at our partner retailers.

Redeem and exchange Rewards

How to exchange and redeem rewards.

• Redeem Rewards as cash which you can then transfer straight into your bank account or pay towards your NatWest credit card balance.
• Exchange your Rewards into money which is donated to one of our chosen charities.
• Trade up for eGift cards which you can use online or in store with our partner retailers.

How do I access MyRewards?

How to access myrewards.

You can see your MyRewards balance and exchange straight from the NatWest app with the touch of a button. There's no need to use a password. Simply tap the MyRewards tile then earn Rewards, exchange Rewards or view statement. 

Accessing MyRewards is easy

• On your mobile or tablet, open the camera and point your device at the QR code.
• A link will pop up, tap this, and you’ll be taken straight to MyRewards in your NatWest mobile banking app. 

Not able to scan the QR code? 

You can still get into MyRewards by:

• Using this  MyRewards link  to get into your app.
• Or you log in using  Online Banking  and use the MyReward section to access MyRewards.

App available to customers aged 11+ with compatible iOS and Android devices and a UK or international mobile number in specific countries.

You’ll be taken straight to MyRewards in your NatWest mobile banking app .

Don't have the app? 

Access MyRewards by logging in to  Online Banking  and click the MyReward section.

You’ll be taken straight to MyRewards in your  NatWest mobile banking app .

Change your bank account

It's quick and easy to change your current account, you'll keep your existing sort code and account number.

We have a range of accounts to choose from. The Select account  could be ideal if you want to keep things simple, or check out our packaged bank accounts if you're interested in receiving extra benefits and rewards. 

Specific account eligibility criteria and monthly fee may apply.

Frequently asked questions

How can i get a copy of my travel insurance policy.

You can download a copy of your policy using the link below.

If you would like a hard copy of the policy, call us on UK: 0345 601 5219 | Relay UK: 18001 0345 601 5219 | Monday to Friday, 8am-8pm | Saturday, 9am-5pm | Sunday, 10am-5pm.

Silver Travel Insurance Policy (PDF, 202 KB)

Do I need to let NatWest know that I am travelling?

No, you do not need to tell us that you are travelling in order to be covered by our travel insurance however register your travel details with NatWest at least 24 hours before your trip, and we'll do our best to ensure your holiday spending isn't affected at all.

Simply go to the app, tap on the account that your card is linked to, select 'Manage my card' and then select ‘Going Abroad’ to register your trip.

You can register one trip at a time. It can include up to seven countries and last 90 days. Register each country you are visiting. The marker will apply to all debit cards in your name. Joint account holders should register separately.

Get more information on  spending abroad  and how to minimise fees and charges.

Where can I find full information on my benefits?

You can access full information on your Reward Silver benefits through Membership Services.

Sign in/Register

Do my Rewards expire?

No, your Rewards won't expire. There is no time limit to exchange or trade up your Reward balance.

If you’ve traded up your Rewards for an eGift card, please check the ‘Your MyRewards Trade Up’ email containing your code for the expiry date.

I traded up my Rewards, but I've not received my eGift card/code?

Please check the following:

• Check we have the correct email address registered for you at MyRewards. This may be different from the one we have on our bank records. Log in to MyRewards then tap My Account > Your Personal Details to check.
• Check your spam folder.
• Some small and workplace email providers may block MyRewards emails. Please check the security settings on your email account, or update your email address to ensure you are able to receive MyRewards emails. 

After following the steps above, please contact us if you need us to resend your eGift card(s).

What do the different account balances mean?

The main change you will see is the balance that was previously called “Available balance” has changed into two separate parts:

• Balance including pending transactions – this is now the prominent balance you will see for your current account (and will be shown in bold).
• Arranged overdraft limit (if you have one).

What do my balances include?  

Balance including pending transactions  - this is the amount of your own money including any pending transactions outstanding. It doesn’t include cheques until they are cleared (for more detail on pending transactions and cheque clearing see below).

Overdraft Limit  - this is your arranged overdraft limit. If you do not have one, this will not show.

Overdraft Remaining  - this shows the remaining amount of your arranged overdraft, this will only be displayed if you are using your limit.

Account Balance  - this is how much money you have in your account before any pending transactions are processed and includes uncleared cheques paid in. This was previously called ‘Today’s balance’.

Switch to NatWest

The Current Account Switch Service will do all the work when it comes to switching, moving everything across from your old account to your new account all within 7 working days, including Direct Debits and standing orders. All you need to do is tell us the details of your old bank account and when you want the Switch to start.

We can not switch savings accounts or ISAs through this service. Any other products you have with your old bank will not be moved at the same time.

Current Account Switch Guarantee (PDF, 39KB)

A Guide to Switching Current Accounts (PDF, 3MB)

How does the Current Account Switch Service work?

Something else we can help you with?