Islamic Bank of Britain-Savings Account

Our Sharia’a Compliant Savings Account lets you profit from your savings while remaining true to Islamic teaching. We do not offer you interest on your funds, instead, we undertake Sharia’a compliant activities with the intention of generating profit, which we then share with you.

Our savings account is operated under Mudaraba principles.

Our Savings Account is available through our branch network, postal banking,telephone banking and through our new online banking service.

Features and Benefits

No penalties and no notice required to make a withdrawal from your savings.

No limit to the number of withdrawals you can make in any month – subject to there being sufficient funds in your account.

Profits are calculated and paid on the last working day of every month, based on the daily closing balance you maintained in your account for that month.

Deposits may be made by cash at our branches, by cheque or by direct account transfer.

Your money is invested ethically. We invest only in Sharia’a compliant goods and services and, for example, do not invest in alcohol or tobacco companies..

Automatic access to your account via our automated telephone banking service 24/7 or online.
New Account Opening Criteria

To be eligible to open a Savings Account with us please ensure you can answer “yes” to at least one of the following:

Set up a Standing Order from another account to us for a minimum of £50 a month.

Make an initial deposit of £500.

Profit rates
While our investment methods are strictly in keeping with Sharia’a, we make every effort to ensure that the profit rates paid on all our Savings Accounts are market-competitive.

All our Savings Accounts statements are quarterly.

Sharia’a Approval – Certificate of Endorsement

Our Savings and Term Deposit Accounts have been approved by our Sharia’a Supervisory Committee.

More: www.islamic-bank.com

National Westminster Bank-Student Credit Card

Great savings and a real-world credit limit
Want bargains? Get savings you can really use. Want to keep a lid on your finances? A maximum credit limit of £500 could help.

Financial benefits Interest-free period every monthIf you pay your balance (and your previous month’s balance) in full and on time each month you’ll enjoy up to 56 days’ interest free credit on all purchases. Typical 18.9% APR (variable).
No annual fee We don’t send you a bill just for choosing a Student Credit Card.
Take control of your cardManage your credit card online Check your balance or make a payment from your computer.

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Worry-free payments A Direct Debit means you’ll always pay your bill on time. Settle the balance in full or choose any other amount. However, we don’t recommend just making the minimum payment and you must have sufficient funds to pay your direct debit successfully.
Cash advance Your Student Credit Card gives you access to £300 each day, from cash machines around the world. The amount you can withdraw depends on your credit limit, and there’s a 3% handling fee – a minimum of £3.
TravelNatWest Travel Service Book holidays and work trips with a wide choice of discounts, including air tickets and hotels.

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UK breaks 10% off at Superbreak, with access to over 1,600 hotels across the country. From the big city to the great outdoors, there’s everything from comfortable right up to supreme luxury.
Student savingsFull details of how to take advantage of these offers will be sent to you with your Welcome Pack.

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25% off Lonely Planet guides Spend over £10 to get valuable savings from the big name in student travel.

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£5 Firebox voucher Save on the latest gadgets and gifts. Firebox is stacked out with the latest, greatest products.

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Sports and casual wear Get 15% off at kitbag.com, choose from brands like Adidas, Nike and Puma.

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Free DVD rentals by post Subscribe to any MyMovieStream package and the second month is free.

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NatWest Wine Club Look out for cardholder-only offers, as well as the occasional free gift. For more details or to register please call 0870 162 0331*.
*Maximum call charge from a BT landline is 6p plus up to 6p per minute. Calls from other networks may vary.

Summary Box
The information contained in this table summarises key product features and is not intended to replace any terms and conditions.
APR	Typical 18.9% APR (variable)

Other Interest Rates	Monthly Rate	Annual Rate
		Simple	Effective
Purchases	1.456%	17.427% p.a.	18.941% p.a.
Cash Advances	2.075%	24.900% p.a.	27.948% p.a.
Money Transfers	1.456%	17.472% p.a.	18.941% p.a.

Interest Free Period	Maximum 56 days for purchases if you pay your balance in full and on time, and have paid the previous month’s balance in full and on time No interest-free period on cash advances or money transfers

Interest Charging Information	The periods over which interest is charged are as follows:
	From	Until
Purchases	Transaction date	Repaid in full
Cash advances	Transaction date	Repaid in full
Money transfers	Date debited to your account	Repaid in full

Allocation of Payments	Interest on special offers Other interest, any fee and charges Special offers Purchases Cash Advances and money transfers See section 2(D)(c) of your Credit Card Agreement for full details.
Minimum repayment	Each month, the greater of 2.25% of your balance (rounded down to the nearest pound) or £5.We do not recommend that you only ever make your minimum payment.
Amount of credit	Maximum £500. Subject to status.
Fees	No annual fee.
Charges	Cash advances (except gambling transactions): 3%, minimum of £3 Transactions in foreign currencies (including purchase of foreign currency and travellers’ cheques): 2.75% Copies of statements: £3 Returned Payment: £10
Default charges	Over limit: £12 Late payment: £12

More: www.natwest.com

National Westminster Bank-Platinum Credit Card

Status comes as standard
If you’re aged over 25 and earn over £25,000, a NatWest Platinum Card offers the convenience and status you’ve been looking for.

Interest-free balances and purchases Transfer your balances13 months is a long time in most people’s book. And it’s exactly how long you could be paying 0% interest on your balance transfers – from the moment of account opening.
Simply pay a 2.9% fee when you transfer a balance in the first three months – minimum fee £5. Typical 16.9% APR (variable).
After the introductory period your transferred balances will be charged at your standard rates. Find out more about balance transfers – see our rates and charges.

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Transfer up to a limit of 95% of your credit limitIf your new Platinum Credit Card has a limit of £2000, you could switch up to £1900 of your existing balances.

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PurchasesDid we mention the 0% interest on your purchases – for a whole six months from account opening?
After the introductory period, your purchases will be charged at your standard rates. Find out more about purchases – see our rates and charges.
Financial benefitsInterest-free period every monthIf you pay your balance (and your previous month’s balance) in full and on time each month you’ll enjoy up to 56 days’ interest free credit on all purchases.

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No annual feeWe don’t send you a bill just for choosing a Platinum Credit Card.

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1% discount on the APRIf you also have an Advantage Gold current account you are guaranteed a 1% initial discount on our standard credit card rate for at least 12 months. Rates variable.
Take control of your cardManage your credit card onlineCheck your balance or make a payment from your computer.

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Worry-free paymentsA Direct Debit means you’ll always pay your bill on time. Settle the balance in full or choose any other amount. However, we don’t recommend just making the minimum payment and you must have sufficient funds to pay your direct debit successfully.

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Credit limit increaseYou can ask us to review your credit limit after you’ve had the card for six months.

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Move funds to a bank accountYou can transfer money from your Platinum Credit Card to any UK bank account. You simply pay your money transfer rate from the date of the transfer, and the minimum transfer is £250. See our rates and charges.

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Cash advanceYour Platinum Credit Card gives you access to £750 each day, from cash machines around the world. The amount you can withdraw depends on your credit limit, and there’s a 3% handling fee – a minimum of £3.
Family and friendsAdd another cardholderWho do you know that would really appreciate being on your credit card account? Just remember that although they’ll be able to spend on your account, you’ll always be responsible for the card.
SavingsNatWest Wine ClubLook out for cardholder-only offers, as well as the occasional free gift. For more details or to register please call 0870 162 0331*.
TravelNatWest Travel ServiceBook holidays and work trips with a great choice of discounts, including air tickets and hotels.

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Travel supportTurn to us for the lowdown on visas, passports, health and vaccinations before you travel. We can also forward documents or medical supplies while you’re travelling.

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Medical support on your travelsWhether you become ill overseas or have an accident and need immediate treatment, we can arrange essential medical transport. Plus we can arrange for your dependent children to return to the UK.
* Maximum call charge from a BT landline is 6p plus up to 6p per minute. Calls from other networks may vary.

Summary Box
The information contained in this table summarises key product features and is not intended to replace any terms and conditions.
APR	Typical 16.9% APR (variable)

Other Interest Rates	Introductory Rate	Monthly Rate	Annual Rate
			Simple	Effective
Purchases	0% for 6 months from account opening	1.313%	15.756% p.a.	16.945% p.a.
Balance Transfers	0% for 13 months from account opening made in the first 3 months)	1.313%	15.756% p.a.	16.945% p.a.
Cash Advances	n/a	2.075%	24.900% p.a.	27.948% p.a.
Money Transfers	n/a	1.313%	15.756% p.a.	16.945% p.a.

Interest Free Period	Maximum 56 days for purchases if you pay your balance in full and on time, and have paid the previous month’s balance in full and on time No interest-free period on cash advances or money transfers Interest-free period on balance transfers only applies to the introductory period.

Interest Charging Information	The periods over which interest is charged are as follows:
	From	Until
Purchases	Transaction date	Repaid in full
Balance transfers	Transaction date	Repaid in full
Cash advances	Transaction date	Repaid in full
Money transfers	Date debited to your account	Repaid in full

Allocation of Payments	Interest on special offers Other interest, any fee and charges Special offers Purchases and balance transfers Cash Advances and money transfers See section 2(D)(c) of your Credit Card Agreement for full details.
Minimum repayment	Each month, the greater of 2.25% of your balance (rounded down to the nearest pound) or £5.We do not recommend that you only ever make your minimum payment.
Amount of credit	Minimum £300 maximum £20,000. Subject to status.
Fees	No annual fee
Charges	Cash advances (except gambling transactions): 3%, minimum of £3 Balance transfers: 2.9% (min. £5) during the first three months from account opening Transactions in foreign currencies (including purchase of foreign currency and travellers’ cheques): 2.75% Copies of statements: £3 Returned item: £12 To process dishonoured cheque or direct debit: £10
Default charges	Returned payment: £10 Returned Promotional Cheque: £12

Important informationIf you transfer a balance within the first three months, there’s a 2.9% fee – a minimum of £5. We may offer exemptions from the fee from time-to-time, or a different fee in connection with a special promotion.
The balance transfer fee attracts interest at the same rate applied to purchases, and applied from the date charged until the balance is paid off.
You can’t transfer from other Royal Bank of Scotland Group cards. If you take advantage of the 0% balance transfer offer and 0% purchase offer, your monthly payments will be used to pay off your balance transfer first. Typical 16.9% APR (variable).

More: www.natwest.com

National Westminster Bank-Classic Credit Card

Transfer balances, plus a range of discounts
Over 18? Earn over £10,000? Our Classic Credit Card comes packed with benefits – plus transfer up to a limit of 95% of your credit limit.

Interest-free balances and purchases Transfer your balances13 months is a long time in most people’s book. And it’s exactly how long you could be paying 0% interest on your balance transfers – from the moment of account opening.
Simply pay a 2.9% fee when you transfer a balance in the first three months – minimum fee £5. Typical 16.9% APR (variable).
After the introductory period your transferred balances will be charged at your standard rates. Find out more about balance transfers – see our rates and charges.

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Transfer up to a limit of 95% of your credit limitIf your new Classic Credit Card has a limit of £2000, you could switch up to £1900 of your existing balances.

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PurchasesDid we mention the 0% interest on your purchases – for a whole six months from account opening?
After the introductory period, your purchases will be charged at your standard rates. For more about purchases – see our rates and charges.
Financial benefitsInterest-free period every monthIf you pay your balance (and your previous month’s balance) in full and on time each month you’ll enjoy up to 56 days’ interest free credit on all purchases.

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No annual feeWe don’t send you a bill just for choosing a Classic Credit Card.

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1% discount on the APRIf you also have an Advantage Gold current account you are guaranteed a 1% initial discount on our standard credit card rate for at least 12 months. Rates variable.
Take control of your cardManage your credit card onlineCheck your balance or make a payment from your computer.

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Worry-free paymentsA Direct Debit means you’ll always pay your bill on time. Settle the balance in full or choose any other amount. However, we don’t recommend just making the minimum payment and you must have sufficient funds to pay your direct debit successfully.

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Credit limit increaseYou can ask us to review your credit limit after you’ve had the card for six months.

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Move funds to a bank accountYou can transfer money from your Classic Credit Card to any UK bank account. You simply pay your money transfer rate from the date of the transfer, and the minimum transfer is £250. See our rates and charges.

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Cash advanceYour Classic Credit Card gives you access to £300 each day, from cash machines around the world. The amount you can withdraw depends on your credit limit, and there’s a 3% handling fee – a minimum of £3.
Family and friendsAdd another cardholderWho do you know that would really appreciate being on your credit card account? Just remember that although they’ll be able to spend on your account, you’ll always be responsible for the card.
SavingsNatWest Wine ClubLook out for cardholder-only offers, as well as the occasional free gift.
TravelNatWest Travel ServiceBook holidays and work trips with a great choice of discounts, including air tickets and hotels.

Summary Box
The information contained in this table summarises key product features and is not intended to replace any terms and conditions.
APR	Typical 16.9% APR (variable)

Other Interest Rates	Introductory Rate	Monthly Rate	Annual Rate
			Simple	Effective
Purchases	0% for 6 months from account opening	1.313%	15.756% p.a.	16.945% p.a.
Balance Transfers	0% for 13 months from account opening made in the first 3 months	1.313%	15.756% p.a.	16.945% p.a.
Cash Advances	n/a	2.075%	24.900% p.a.	27.948% p.a.
Money Transfers	n/a	1.313%	15.756% p.a.	16.945% p.a.

Interest Free Period	Maximum 56 days for purchases if you pay your balance in full and on time, and have paid the previous month’s balance in full and on time No interest-free period on cash advances or money transfers Interest-free period on balance transfers only applies to the introductory period.

Interest Charging Information	The periods over which interest is charged are as follows:
	From	Until
Purchases	Transaction date	Repaid in full
Balance transfers	Transaction date	Repaid in full
Cash advances	Transaction date	Repaid in full
Money transfers	Date debited to your account	Repaid in full

Allocation of Payments	Interest on special offers Other interest, any fee and charges Special offers Purchases and balance transfers Cash Advances and money transfers See section 2(D)(c) of your Credit Card Agreement for full details.
Minimum repayment	Each month, the greater of 2.25% of your balance (rounded down to the nearest pound) or £5.We do not recommend that you only ever make your minimum payment.
Amount of credit	Minimum £300 maximum £20,000. Subject to status.
Fees	No annual fee
Charges	Cash advances (except gambling transactions): 3%, minimum of £3 Balance transfers: 2.9% (min. £5) during the first three months from account opening Transactions in foreign currencies (including purchase of foreign currency and travellers’ cheques): 2.75% Copies of statements: £3 Returned item: £12 To process dishonoured cheque or direct debit: £10
Default charges	Returned payment: £10 Returned Promotional Cheque: £12

Important informationIf you transfer a balance within the first three months, there’s a 2.9% fee – a minimum of £5. We may offer exemptions from the fee from time-to-time, or a different fee in connection with a special promotion.
The balance transfer fee attracts interest at the same rate applied to purchases, and applied from the date charged until the balance is paid off.
You can’t transfer from other Royal Bank of Scotland Group cards. If you take advantage of the 0% balance transfer offer and 0% purchase offer, your monthly payments will be used to pay off your balance transfer first. Typical 16.9% APR (variable).

More: www.natwest.com

National Westminster Bank-Personal Loans

Borrow from £1,000 to £25,000 with our fixed-rate personal loan. And get a rate of 8.4% APR typical for loans of £20,000 or more.

Plus our optional Personal Loan Protector could make your repayments if you can’t. It’s five star cover, independently rated as being in the top 10% of the market.

Personal Loan Protector

Life has a habit of surprising us. Make sure you’re ready if you have a sudden illness, injury or become unemployed.

At a glance
Be prepared – cover your loan repayments if you can’t
Broad cover – you’re protected in the event of accident, major illness, involuntary redundancy, and death. Retired? There’s life and hospitalisation cover
Five star protection – independently rated by Defaqto

Who can apply?
To apply for Personal Loan Protector, you’ll need to be:

The first named borrower on the loan agreement
Over 18 years and under 75
We offer cover for two distinct groups:

Those in full-time employment, on statutory maternity leave or self-employed for 16 hours or more per week. Note: You must be unaware of any impending unemployment which may result in a claim. The insurers will not pay any benefit directly relating to unemployment where you had knowledge of this event before applying for the loan
Those who are retired

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What am I covered for?
1: I am in full-time employment / on statutory maternity leave / self-employed.

Personal Loan Protector can cover your monthly payments if you are certified by a doctor as unfit to work for 14 consecutive days.

You’re also covered if you’re made involuntarily redundant. You need to register with the Employment Service and receive National Insurance Credits for at least 14 consecutive days. You’re not covered if you take voluntary redundancy.

2: I am retired

Personal Loan Protection can cover you for life and hospitalisation cover.

Hospitalisation cover means that your monthly payments can be paid if you are confined to a hospital as a result of an accidental bodily injury for a continuous period of 7 days.

 

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How long will I be covered?
You can claim for a maximum of 12 months for unemployment, and 60 months for accident or sickness.

However, if a medical specialist diagnoses you as suffering from a ‘major illness’, the insurers can pay the outstanding balance on your loan (except for any arrears).

With hospitalisation cover, the benefit can be paid until the earlier of the following: 3 months benefit has been paid in any one claim; the period of confinement to hospital has ended; the loan is repaid.

 

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What if I die?
It’s not a question any of us would like to ask. However, Personal Loan Protector could pay the outstanding balance remaining on your loan (except for any arrears). Some causes of death are not covered.

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I have some medical problems. Am I covered?
Yes. If the claim is under the accident and sickness cover on the policy, and you have a pre-existing medical condition, you are covered.

If you are retired, we can cover a hospitalisation claim if you have had a pre-existing medical condition.

 

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What is the maximum loan amount I can cover?
£25,000

 

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When does Personal Loan Protector pay out for hospitalisation cover?
After a continuous period of seven days confined to hospital.

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How many people can be insured on a joint loan?
You can only insure the first named borrower.

 

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What are the main exclusions of Personal Loan Protector?
As with all insurance policies there are exclusions to the Personal Loan Protector cover. Make sure you read and understand the exclusions and policy conditions before you apply.

Some of the main exclusions are:

Unemployment arising before or within 30 days of the date you signed your loan agreement
Voluntary unemployment
Pregnancy or childbirth, unless either of these develops into complications which is diagnosed as such by a doctor or consultant who specialises in obstetrics
Alcohol, drug abuse or your own misconduct

More: www.natwest.com

National Westminster Bank-Advantage Reserve

Preferential rates for Advantage Gold and Advantage Private customers
Get the most from your Advantage Gold or Advantage Private account. Preferential, tiered rates – and cash machine withdrawals

Why choose an Advantage Reserve account?

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Preferential tiered interest rate – only for Advantage Gold and Advantage Private customers

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Instant access – withdraw your funds if you need them

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Phone, in-branch and online – manage your savings account your way

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£2000 to open – with no maximum balance

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Quarterly interest – paid directly into your account

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Fast transfers – it’s quick and easy to move money between e-Savings and your other NatWest accounts

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Get the savings habit – we can set up a regular transfer from another NatWest account

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Cash machine withdrawals – with an optional cashcard you can get your money at cash machines showing the Solo logo

Current savings rates
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Balance AER
(variable) Gross Rate Net Rate
£250,000+ 4.15% 4.09% 3.27%
£100,000 – £249,999 4.00% 3.94% 3.15%
£50,000 – £99,999 3.95% 3.89% 3.11%
£25,000 – £49,999 3.90% 3.84% 3.07%
£2,000 – £24,999 3.85% 3.80% 3.04%
£1 – £1,999 0.10% 0.10% 0.08%

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Interest paid quarterly.
Note: Available to Advantage Gold and Advantage Private customers only.
Last updated on: 1 May 2008.
Common definitionsAnnual Equivalent Rate (AER). This is a notional rate used for interest bearing accounts which illustrates what the gross credit interest rate would be if paid and compounded on an annual basis. It helps you to compare the effective rates of credit interest on different accounts.
Gross Rate. This means the interest rate you are paid before the deduction of income tax.
Net Rate. This means the interest rate you are paid after the deduction of income tax.

More: www.natwest.com

National Westminster Bank-Reward Reserve

Earn extra savings rewards
Got £2000 or more to save? Gain rewards if you limit your withdrawals, knowing you can access your money if you really need it.

Why choose a Reward Reserve account?

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Quarterly rewards – gain an extra 1% gross interest if you make no more than one withdrawal in a quarter

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Annual rewards – an extra 0.5% gross interest if you make no more than three withdrawals over a year

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Phone, in-branch and online – manage your savings account your way

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Tiered interest rate – the more you save, the more interest you earn

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Fast transfers – it’s quick and easy to move money between Reward Reserve and your other NatWest accounts

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£2000 to open – with no maximum balance

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Instant access – withdraw your funds if you need them

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Get the savings habit – set up a standing order and watch your savings grow.

Current savings ratesExcluding all interest rewards

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Balance AER
(variable) Gross Rate Net Rate
£50,000+ 1.60% 1.59% 1.27%
£25,000 – £49,999 1.40% 1.39% 1.11%
£10,000 – £24,999 1.30% 1.29% 1.03%
£2,000 – £9,999 1.25% 1.24% 0.99%
£1 – £1,999 0.10% 0.10% 0.08%

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Last updated on: 1 May 2008.
Including all interest rewards

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Balance AER
(variable) Gross Rate Net Rate
£50,000+ 3.10% 3.09% 2.47%
£25,000 – £49,999 2.90% 2.89% 2.31%
£10,000 – £24,999 2.80% 2.79% 2.23%
£2,000 – £9,999 2.75% 2.74% 2.19%
£1 – £1,999 0.10% 0.10% 0.08%

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Interest paid quarterly and annually.
Last updated on: 1 May 2008.
Quarterly reward amount – 1.00% (gross per annum)
Annual reward amount – 0.50% (gross per annum)
Common definitionsAnnual Equivalent Rate (AER). This is a notional rate used for interest bearing accounts which illustrates what the gross credit interest rate would be if paid and compounded on an annual basis. It helps you to compare the effective rates of credit interest on different accounts.
Gross Rate. This means the interest rate you are paid before the deduction of income tax.
Net Rate. This means the interest rate you are paid after the deduction of income tax.

More: www.natwest.com

National Westminster Bank-Savings Direct

A flexible account that gives higher returns
Savings Direct could be the answer if you like to manage your account by phone, post or online. And the more you save, the more you earn.

Why choose a Savings Direct account?

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Tiered interest rate – the more you save, the more interest you earn

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Phone, post and online – manage your savings account your way

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No penalties – we don’t charge you for withdrawing your money

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Start saving with £1 – and there’s no minimum balance

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Monthly interest – paid directly into your account

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Fast transfers – it’s quick and easy to move money between Savings Direct and your other NatWest accounts

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Get the savings habit – we can set up a regular transfer from another NatWest account

More: www.natwest.com

National Westminster Bank-e-Savings

Why choose an e-Savings account?
6.50% AER (variable), including 2.09% bonus
Earn an extra 2.09% for the first 12 months
That’s on top of 4.30% AER (variable) – giving you a combined rate of 6.50% AER (variable).

More on the bonus offerFlat rate – the interest rate stays the same, no matter how much you save

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No penalties – we don’t charge you for withdrawing your money

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Start saving with £1 – and there’s no minimum balance

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Monthly interest – paid directly into your account

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No need for an existing NatWest account – although if you have one, it’s quick and easy to move money between e-Savings and your other NatWest accounts

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Get the savings habit – we can set up a regular transfer from another NatWest account

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See bonus offer for the e-Savings account

2.09% Bonus for 12 months
Open a new e-Savings account, and we’ll say ‘thank you’ with a 2.09% bonus for the first 12 months. It could be just the boost your finances need.
The bonus is:

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Guaranteed – we’ll pay a fixed 2.09% bonus. This bonus period starts on the last business day of the month after you opened the account – and runs for the next 12 months

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Paid monthly – along with your standard interest

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Simple – there are no confusing conditions or penalties. Simply open a new account to get the 2.09% bonus

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4.30% plus 2.09% doesn’t equal 6.50% AER. Why not?
At Natwest we calculate interest daily, and pay this interest every month. If you leave the interest in your account, we will pay you interest on the interest you have earned – which is known as compounded interest. When we calculate the AER, we assume that you’ll leave the original balance and all the interest in the account.
Still got questions?
Read more about the bonus offer in our Common questions

More: www.natwest.com

National Westminster Bank-Current Plus account

A flexible current account for day-to-day banking
An overdraft and chequebook (subject to eligibility) – with no monthly subscription charges.

Day-to-Day Free day-to-day banking without subscription charges Overdraft available subject to eligibility, giving your finances some breathing space Chequebook available subject to eligibility; handy when cash or cards aren’t convenient Monthly statements with all your transactions and your balance – by post or online. Or pick up a mini-statement from our cash machines

Ways to bankAround 1650 branches make it easy to stay close to your finances Online banking makes it easy to stay on top of your current account, any time of day or night Telephone banking with UK call centres, open for you 24 hours a day Free mobile phone banking – until December 2008, then pay a monthly fee to get mini statements, weekly balances and more sent to your mobile. More on mobile phone banking

Payments and withdrawalsPayments made easy with your debit card Withdraw your money at almost every UK cash machine Overseas cash wherever you see the Maestro logo. You can also use your card to pay for goods in overseas shops

ExtrasMobile phone top-ups at NatWest cash machines Upgrade your account so you can add extra benefits like mobile phone cover or car breakdown cover with Advantage Blue – or annual worldwide travel cover for the family with Advantage Gold

More: www.natwest.com