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Gold current account

A current account with extra benefits

To apply, you must be 18+ and a Jersey, Guernsey, Gibraltar or Isle of Man resident. Applicants from Gibraltar must be an existing customer. £18 monthly fee.

Why choose a Gold account?

For £18 a month, get more with gold.

  • Arranged overdraft with preferential rates and an £100 interest-free buffer available (subject to status). Representative 7.11% APR (Variable). Other charges may apply. How does our overdraft compare? A good way to compare the costs of borrowing products is by using the APR, which shows the cost of borrowing over a year.
  • Credit interest on current account balances
  • Travel insurance for you and your family, including winter sports cover
  • 24/7 dedicated concierge service
  • Private Motor Excess Insurance and car rental loss damage waiver insurance

Only available to Gold account customers. 

Why choose a Gold account?

Travel

You'll get travel insurance that offers you and your family comprehensive worldwide cover for trips up to 6 months or 17 days for Winter Sports (unless a Winter Sports Trip Extension has been agreed). Gold travel insurance is underwritten by AWP P&C SA and administered in the UK by Allianz Global Assistance.

Concierge

Access to a concierge service that could help you with bookings, flights, holidays and more.

Insurance

You'll get private motor excess as well as car rental loss damage coverage.

Switch your account to us

The Current Account Switch Service makes switching from one bank or building society to another simple and stress-free. You can choose a switch date to suit you, just make sure you allow a minimum of 7 working days.

The Current Account Switch Service is not available for accounts held in Gibraltar.

More about current account switch service

Important information

We recommend that you read these documents before contacting us to start the switch.

Overdraft details

An arranged overdraft can be useful for short term borrowing. Understand arranged and unarranged overdrafts and their impact on your account. An overdraft is a form of borrowing and is repayable on demand.

Day to day banking from your screen

Online banking

Manage your finances 24/7

Online banking is a fast and secure way to manage your everyday finances with features including:

  • Make sterling and international payments
  • Manage your Direct Debits and standing orders
  • Create text alerts and more
Information Message

More about online banking Open in new window

Online banking available to customers aged 11+ with a NatWest International account.

Mobile app

Banking any time

Banking has never been so convenient with our simple mobile banking app.

  • Get cash without your debit card
  • Transfer money and make payments
  • Find your nearest branch or cash machine and more
Information Message

More about our mobile app Open in new window

App available to customers aged 11+ with compatible iOS and Android devices and a Channel Islands, Isle of Man, UK or international mobile number in specific countries.

Common questions about insurance cover and benefits

Ready to apply?

Before you apply, we've outlined the eligibility for the account below, along with our terms and conditions so you can make sure it's the right account for you.

You can apply for a Gold account if you are:

  • aged 18+;
  • permanently resident in Jersey, Guernsey, Gibraltar or the Isle of Man, and;
  • applicants from Gibraltar must also be an existing customer.

Please review our important information

By clicking continue you’re confirming that you’ve been provided with, and have acknowledged our important documents. By proceeding with your application you also agree that you’ll receive your statements in a paperless format. We'll send you an email when your statements are ready to view in Online Banking.

How your information might be used

It's important for you to understand how we use and share your information. Please read this short summary before you continue with your application.

Let's get started...

To speed up your application, we need to run through some quick questions with you. They'll only take a few minutes.

Continue
Where are you based?
Please tell us where you currently reside.
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Do you already bank with us?
Please tell us if you already hold a NatWest International bank account.
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Do you use Online Banking?
If so, we'll pre-fill your application to save you time.
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Is this account just for you, or is it a joint application?
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Next

Log in to Online Banking to start your application (please read below carefully)

To apply, you'll need to log in to Online Banking, then return to our current account page.

How to apply:
(Please take notes or a picture of this, so you remember)

  1. Log in to Online Banking, using your customer number or 16 digit card number. Then enter your Online Banking pin and password. 
  2. Choose 'Current accounts' (it's under 'Our products', bottom right).
  3. You'll return to our current account page. 
  4. Choose 'More about Gold account', under 'Gold account'.
  5. Choose 'Apply for a Gold account'. 
  6. Choose 'Continue' under 'Let's get started'.
Previous

Log in to Online Banking to start your application (please read below carefully)

To apply, you'll need to log in to Online Banking, then return to our current account page.

How to apply:
(Please take notes or a picture of this, so you remember)

  1. Log in to Online Banking, using your customer number or 16 digit card number. Then enter your Online Banking pin and password. 
  2. Choose 'Current accounts' (it's under 'Our products', bottom right).
  3. You'll return to our current account page. 
  4. Choose 'More about Gold account', under 'Gold account'.
  5. Choose 'Apply for a Gold account'. 
  6. Choose 'Continue' under 'Let's get started'.
Previous
Is this account just for you, or is it a joint application?
Previous
Next

Start your application now

Get your online application started by clicking 'Start your application' below. The full name you put on this form must exactly match the one on the photo ID you'll use to apply.

After you’ve finished your online application you’ll receive an email or secure inbox message within 2 working days asking you to:

  1. Complete our Customer Acceptance form, and;
  2. Upload your identity documents digitally.

Once we have everything, we’ll open your account and send your new account details to you within 5 working days.

Previous

Start your application now

Get your online application started by clicking 'Start your application' below. The full name you put on this form must exactly match the one on the photo ID you'll use to apply.

After you’ve finished your online application you’ll receive an email or secure inbox message within 2 working days asking you to:

  1. Complete our Customer Acceptance form, and;
  2. Upload your identity documents digitally.

Once we have everything, we’ll open your account and send your new account details to you within 5 working days.

Previous
Is this account just for you, or is it a joint application?
Previous
Next

Great, you're ready to apply

Get your online application started by clicking 'Start your application' below. The full name you put on this form must exactly match the one on the photo ID you'll use to apply.

After you’ve finished your online application you’ll receive an email or secure inbox message within 2 working days asking you to:

  1. Complete our Customer Acceptance form, and;
  2. Upload your identity documents digitally.

Once we have everything, we’ll open your account and send your new account details to you within 5 working days.

Previous

Great, you're ready to apply

Get your online application started by clicking 'Start your application' below. The full name you put on this form must exactly match the one on the photo ID you'll use to apply.

After you’ve finished your online application you’ll receive an email or secure inbox message within 2 working days asking you to:

  1. Complete our Customer Acceptance form, and;
  2. Upload your identity documents digitally.

Once we have everything, we’ll open your account and send your new account details to you within 5 working days.

Previous
Do you already bank with us?
Please tell us if you already hold a NatWest International bank account.
Previous
Next
Do you use Online Banking?
If so, we'll pre-fill your application to save you time.
Previous
Next
Is this account just for you, or is it a joint application?
Previous
Next

Log in to Online Banking to start your application (please read below carefully)

To apply, you'll need to log in to Online Banking, then return to our current account page.

How to apply:
(Please take notes or a picture of this, so you remember)

  1. Log in to Online Banking, using your customer number or 16 digit card number. Then enter your Online Banking pin and password. 
  2. Choose 'Current accounts' (it's under 'Our products', bottom right).
  3. You'll return to our current account page. 
  4. Choose 'More about Gold account', under 'Gold account'.
  5. Choose 'Apply for a Gold account'. 
  6. Choose 'Continue' under 'Let's get started'.
Previous

Log in to Online Banking to start your application (please read below carefully)

To apply, you'll need to log in to Online Banking, then return to our current account page.

How to apply:
(Please take notes or a picture of this, so you remember)

  1. Log in to Online Banking, using your customer number or 16 digit card number. Then enter your Online Banking pin and password. 
  2. Choose 'Current accounts' (it's under 'Our products', bottom right).
  3. You'll return to our current account page. 
  4. Choose 'More about Gold account', under 'Gold account'.
  5. Choose 'Apply for a Gold account'. 
  6. Choose 'Continue' under 'Let's get started'.
Previous
Is this account just for you, or is it a joint application?
Previous
Next

Great, you're ready to apply

Get your online application started by clicking 'Start your application' below. The full name you put on this form must exactly match the one on the photo ID you'll use to apply.

After you’ve finished your online application you’ll receive an email or secure inbox message within 2 working days asking you to:

  • Complete our Customer Acceptance form, and;
  • Upload your identity documents digitally.

Once we have everything, we’ll open your account and send your new account details to you within 5 working days.

Previous

Great, you're ready to apply

Get your online application started by clicking 'Start your application' below. The full name you put on this form must exactly match the one on the photo ID you'll use to apply.

After you’ve finished your online application you’ll receive an email or secure inbox message within 2 working days asking you to:

  • Complete our Customer Acceptance form, and;
  • Upload your identity documents digitally.

Once we have everything, we’ll open your account and send your new account details to you within 5 working days.

Previous

Applying for an account with us

We’re sorry – at this time we’re currently not opening accounts for new customers located in Gibraltar. 

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Applying for an account with us

This account is currently only available to applicants located in Jersey, Guernsey, Isle of Man or Gibraltar. 


Our International Personal Banking service is available to customers that meet our minimum age, residency, balance and/or deposit requirements.

Find out more about International Personal Banking

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