NatWest
UK high street bank with a widely used app for everyday banking, saving and credit score checks.
Updated · AppBreakup editorial · iOS, Android, Web
Is NatWest free?
Free plan, plus paid plans
- Starting price:
- £2 a month (Reward account)
- Free plan:
- Yes, Select account with no monthly fee
Checked on NatWest's site Nov 8, 2026
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About NatWest
NatWest is a large UK high street bank, part of NatWest Group, and its app is the main way customers bank with it. Beyond balances and payments, the app checks your credit score, rounds up card spending to the nearest pound into savings, and has a Subscription Manager that lists recurring payments and helps spot unexpected Direct Debits. You can approve payments with face or voice checks and earn MyRewards on eligible spending. NatWest also offers child and teen accounts and a pocket money app, so the app works for families as well as adults. It fits people who want a traditional bank with branches, mortgages and ISAs but expect a capable app. Standard current accounts have no monthly fee, while premier and reward accounts add benefits for eligible customers. The app runs on iOS and Android for customers aged 11 and over, with online banking on the web.
Best for: UK customers who want a mainstream bank with Round Ups, subscription tracking and a credit score in-app.
NatWest pricing (checked Nov 8, 2026)
Each line is quoted from NatWest's own site, with the page it came from.
| Plan or term | What it says | Checked | Source |
|---|---|---|---|
| Subscription tracking | Yes | Nov 8, 2026 | natwest.com |
| Deposit protection | Up to £120,000 | Nov 8, 2026 | natwest.com |
| Starting price | £2 a month (Reward account) | Nov 8, 2026 | natwest.com |
| Free plan | Yes, Select account with no monthly fee | Nov 8, 2026 | natwest.com |
| Reward Silver plan | £12 a month | Nov 8, 2026 | natwest.com |
| Reward Platinum plan | £23 a month | Nov 3, 2026 | natwest.com |
Pros and cons
What works
- Subscription Manager helps catch forgotten recurring payments
- Round Ups and a built-in credit score check
- Used by more than 10 million customers a day, so it's well tested
- Child and teen accounts plus a pocket money app
Why people leave
- Spending abroad usually costs more than with Monzo, Starling or Wise
- Some rewards need a qualifying account or paid package
- App needs a UK mobile number, or one from a short list of countries
NatWest vs Barclays, Monzo and Wise
From each app's listing and the prices verified on its own site. A dash means we haven't verified it yet.
| Attribute | NatWest | Barclays | Monzo | Wise |
|---|---|---|---|---|
| Pricing | Free plan + paid | Free plan + paid | Free plan + paid | Free |
| Verified price | £2 a month (Reward account) | £5 a month (Blue Rewards) | £3 a month (Extra) | — |
| Free plan | Yes, Select account with no monthly fee | Yes, Barclays Bank Account with no monthly fees | Yes, Monzo Free (16+) | Free app |
| Open source | No | No | No | No |
| Self-hostable | No | No | No | No |
| Platforms | iOS, Android, Web | iOS, Android, Web | iOS, Android, Web | Web, iOS, Android |
Full NatWest vs Barclays comparisonFull NatWest vs Monzo comparisonFull NatWest vs Wise comparison
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NatWest: common questions
What is NatWest?
NatWest: UK high street bank with a widely used app for everyday banking, saving and credit score checks. Best for UK customers who want a mainstream bank with Round Ups, subscription tracking and a credit score in-app. Available for iOS, Android and Web.
Is NatWest free?
NatWest has a free plan and paid plans. Free plan: Yes, Select account with no monthly fee (checked on NatWest's own site).
How much does NatWest cost?
NatWest is free with paid plans. Subscription tracking: Yes; Deposit protection: Up to £120,000; Starting price: £2 a month (Reward account); Free plan: Yes, Select account with no monthly fee. Checked on NatWest's own site, November 2026.
Is NatWest open source?
No, NatWest is not open source.
What platforms does NatWest run on?
NatWest is available for iOS, Android and Web.
What are the best alternatives to NatWest?
The highest-ranked NatWest alternatives right now are Barclays, Monzo and Wise. See the full ranked list for pricing, platforms and verified facts.
NatWest vs Barclays: what's the difference?
Both NatWest and Barclays are free with paid plans. Verified prices: NatWest £2 a month (Reward account), Barclays £5 a month (Blue Rewards). Both run on iOS, Android and Web.