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Packaged Current Accounts

  • Packaged current accounts offer the usual day-to-day banking services alongside a range of additional benefits.
  • Benefits vary between accounts but may include breakdown cover, travel insurance, retail offers and more.
  • Compare up-to-date information on account features to find your ideal package current account.
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NatWest Select bank account
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  • An everyday bank account with no monthly fee
  • Bank on the move with NatWest's easy to use mobile app and online banking (criteria applies)
To apply you must be 18 or over and a UK resident
    • 2% back in Rewards on 7 types of household bills if paid by Direct Debit
    • On average NatWest customers earn £83 in Rewards per year. Based on monthly bills of £345 excluding the monthly £2 fee
    • Includes NatWest's mobile app & Emergency Cash
  • Maximum Interest (AER)
    0%
  • Switching Incentive
    None
  • Minimum Monthly Credit
    None
  • Monthly Fee
    £2
  • See Deal + In detail
  • Interest details
    • No interest is paid on in-credit balances on this account
    Overdraft details
    • Arranged overdraft fees:19.89% EAR (variable) and a monthly Usage Fee of £6 on all arranged overdrafts
    • Unarranged overdraft fees:If you enter an Unarranged Overdraft by more than £10, you will be charged an Unarranged Overdraft Usage Fee of £6 for each day you remain in that position, capped at £90 per charging period.
  • Representative Example: If you have a Reward Account with an arranged overdraft limit of £1,200 and you use all of this, you will be charged arranged overdraft interest at 19.89% p.a. (variable) and a monthly Arranged Overdraft Usage Fee of £8
    • 2% back in Rewards on 7 types of household bills if paid by Direct Debit.
    • On average NatWest customers earn £83 in Rewards per year. Based on monthly bills of £345 excluding the monthly £19 fee.
    • Includes many lifestyle benefits such as Worldwide multi trip travel insurance and UK car breakdown cover. Ts & Cs apply.
  • Maximum Interest (AER)
    0%
  • Switching Incentive
    None
  • Minimum Monthly Credit
    None
  • Monthly Fee
    £19
  • See Deal + In detail
  • Interest details
    • No interest is paid on in-credit balances on this account
    Overdraft details
    • Arranged overdraft fees: No interest paid on first £250. 19.89% EAR (variable) and a monthly Usage Fee of £6 on all arranged overdrafts above £250
    • Unarranged overdraft fees: £6 for each day on which there is an Unarranged Overdraft of more than £10 (Subject to a maximum of £90 in any charging period)
  • Representative Example: If you have a Reward Platinum Account with an arranged overdraft limit of £1,200 and you use all of this, you will be charged arranged overdraft interest at 19.89% p.a. (variable) and a monthly Arranged Overdraft Usage Fee of £8
    • Earn up to £15 a month in rewards and enhanced cashback when you shop online and in-store through Barclays with over 150 retailers
  • Maximum Interest (AER)
    0%
  • Switching Incentive
    None
  • Minimum Monthly Credit
    £800
  • Monthly Fee
    £3
  • See Deal + In detail
  • Interest details
    • No interest is paid on in-credit balances on this account
    • Rewards details:
    • Earn rewards of up to £180 a year (subject to eligibility). Made up of up to £7 loyalty reward, £5 mortgage loyalty reward & £3 home insurance loyalty reward per month.
    Overdraft details
    • Arranged overdraft fees:
    • 75p a day up to £1,000
    • £1.50 a day from £1,000 to £2,000
    • £3 a day from £2,000 and above
    • Unarranged overdraft fees:
    • Barclays' Monthly Maximum Charge for Personal Current Accounts is £32. This includes: a maximum of 4 Unpaid Transaction Fees (£32 cap). Barclays' Monthly Maximum Charge for Personal Current Accounts with Emergency Borrowing is £67. This includes: a maximum of 7 Emergency Borrowing Fees (£35 cap) and a maximum of 4 Unpaid Transaction Fees (£32 cap). It doesn't include charges for using an arranged overdraft or the cost of packs for customising your account.
  • Representative Example: Up to £5,000 (subject to application and status). If you use an overdraft of £1,200, you will be charged £1.50 per day when you use it.
    • No monthly fee
    • 3 month interest-free arranged overdraft available
  • Maximum Interest (AER)
    0%
  • Switching Incentive
    None
  • Minimum Monthly Credit
    None
  • Monthly Fee
    Free
  • See Deal + In detail
  • Interest details
    • No interest is paid on in-credit balances on this account
    Overdraft details
    • Arranged overdraft fees: 0% for the first 3 months (conditions apply)
    • 18.9% EAR (variable) thereafter
    • Unrranged overdraft fees: 18.9% EAR (variable)
    • For every payment that is NOT made over and above your reserve limit, you'll be charged an unpaid transaction fee of £15
    • The total sum of fees (including any paid/unpaid transaction fees) is capped at £75 per statement month
  • Representative Example: If you use an overdraft limit of £1,200 a 18.9% EAR (variable) charge will apply
    • 1% cashback on water and council tax bills and on your Santander monthly mortgage payments (up to maximum of £1,000)
    • 2% cashback on gas and electricity bills and on Santander home insurance premiums (policies administered and underwritten by Aviva Insurance Limited)
    • 3% cashback on mobile, home phone, broadband and paid for TV packages
  • Maximum Interest (AER)
    1.5%
  • Switching Incentive
    None
  • Minimum Monthly Credit
    £500
  • Monthly Fee
    £5
  • See Deal + In detail
  • Interest details
    • 1.50% AER/1.49% gross (variable) interest on your entire balance up to £20,000

      Cashback Details
      To get cashback on your household bills and interest on your balance, just follow these steps:
    • · Pay at least £500 into your account each month - any interest paid and payments between Santander personal accounts you're named on won't count towards this
    • · Have at least two active Direct Debits - you'll receive cashback on any qualifying household bills you pay by Direct Debit
    Overdraft details
    • You could get a 4 month fee-free Arranged Overdraft when you switch to us. (Overdrafts are offered depending on your circumstances.)
    • The Arranged Overdraft Usage Fee will depend on the amount you use:
    • Below £2,000 - £1 a day
    • £2,000 to £2,999.99 - £2 a day
    • £3,000 and over - £3 a day
    • Unarranged Overdraft Usage Fee - £6 per day
  • Representative Example: 0% EAR (variable) Arranged Overdraft. Arranged Overdraft Usage Fee of £1 per day. If you are switching to Santander then there will be no Arranged Overdraft Usage Fee for the first 4 months. Assumed Arranged Overdraft credit limit: £1,200. Actual credit limit may differ. Arranged Overdraft Usage Fee depends on the amount of overdraft you are using.
    • 1% cashback on water and council tax bills and on your Santander monthly mortgage payments (up to maximum of £1,000)
    • 2% cashback on gas and electricity bills and on Santander home insurance premiums (policies administered and underwritten by Aviva Insurance Limited)
    • 3% cashback on mobile, home phone, broadband and paid for TV packages
    • 5% cashback on eligible purchases made before 30 September 2017 using Apple Pay, Android Pay and Samsung Pay
  • Maximum Interest (AER)
    0.00%
  • Switching Incentive
    None
  • Minimum Monthly Credit
    £500
  • Monthly Fee
    £1
  • See Deal + In detail
  • Interest details
    • No interest is paid on in-credit balances on this account

      Cashback Details
      To get cashback on your household bills, just follow these steps:
    • · Pay at least £500 into your account each month - any interest paid and payments between Santander personal accounts you're named on won't count towards this
    • · Have at least two active Direct Debits - you'll receive cashback on any qualifying household bills you pay by Direct Debit
    • · Log on to Online or Mobile Banking at least once in every three months
    Overdraft details
    • You could get a 4 month fee-free Arranged Overdraft when you switch to us. (Overdrafts are offered depending on your circumstances.)
    • The Arranged Overdraft Usage Fee will depend on the amount you use:
    • Below £2,000 - £1 a day
    • £2,000 to £2,999.99 - £2 a day
    • £3,000 and over - £3 a day
    • Unarranged Overdraft Usage Fee - £6 per day
  • Representative Example: 0% EAR (variable) Arranged Overdraft. Arranged Overdraft Usage Fee of £1 per day. If you are switching to Santander then there will be no Arranged Overdraft Usage Fee for the first 4 months. Assumed Arranged Overdraft credit limit: £1,200. Actual credit limit may differ. Arranged Overdraft Usage Fee depends on the amount of overdraft you are using.
    • 2% back in Rewards on 7 types of household bills if paid by Direct Debit.
    • On average NatWest customers earn £83 in Rewards per year. Based on monthly bills of £345 excluding the monthly £12 fee.
  • Maximum Interest (AER)
    0%
  • Switching Incentive
    None
  • Minimum Monthly Credit
    None
  • Monthly Fee
    £12
  • See Deal + In detail
  • Interest details
    • No interest is paid on in-credit balances on this account
    Overdraft details
    • Arranged overdraft fees: No interest paid on first £250. 19.89% EAR (variable) and a monthly Usage Fee of £6 on all arranged overdrafts above £250
    • Unarranged overdraft fees: £6 for each day on which there is an Unarranged Overdraft of more than £10 (Subject to a maximum of £90 in any charging period)
  • Representative Example: If you have a Reward Silver Account with an arranged overdraft limit of £1,200 and you use all of this, you will be charged arranged overdraft interest at 19.89% p.a. (variable) and a monthly Arranged Overdraft Usage Fee of £8
Our comparison service features a selection of providers from whom we receive commission. This table is initially ordered according to our commercial arrangements. You can use the options above the table to order it according to various criteria.

More about packaged current accounts

These days, bank accounts can offer so much more than just cash management facilities. With a packaged current account you can get a range of benefits like mobile phone insurance, annual travel insurance for the whole family, breakdown cover, subscriptions for movie rentals, free music and more.

Instead of paying for all of these things individually, you pay a monthly fee for your bank account and get them all thrown in. Prices start at a few pounds and rise according to the products included.

Whether or not a packaged current account works out as good value for you depends entirely on how many of the services you use. If you buy two

or three of these products anyway, you'll stand a good chance of saving.

It is important to check the terms and conditions for the different services that come with a bank account - often there will be limitations on the number of times you can claim through the insurance products or the cover may not be as comprehensive as you would expect if you were paying for it separately.

To sweeten the deal even further though, most packaged accounts also entitle you to favourable rates on other banking products or discounts at high street shops and restaurants.

Other than the extras, a packaged current account works exactly the same as a normal account, with full debiting and crediting facilities, automated payments, online access and the option for cheque books and overdrafts, subject to credit rating.

Click here to find out more about current account types with our handy FAQ guide.

Helpful links for current account issues

Financial Conduct Authority (FCA) - The UK financial regulator's website features lots of useful information for banking customers covering everything from knowing your rights to how to stop unauthorised payments.

Financial Service Compensation Scheme (FSCS) - The FSCS is the best place to find out if your bank is covered by the compensation scheme and for advice on making a claim.

Financial Ombudsman Service - If you've complained to your bank and are still having ongoing problems then the Financial Ombudsman is the next step - their website covers everything you need to know about making a complaint.

Money Advice Service - The government's Money Advice Service provides unbiased advice on choosing, opening and managing a current account.