natwest rewards Account; platinum account and membership services

NatWest Rewards Account, Platinum Account, and Membership Services: Exploring Value and Benefits

NatWest offers a range of account options tailored to different needs and preferences. In this blog post, we’ll delve into the NatWest Rewards Account, the Platinum Account, and the additional benefits provided through NatWest Membership Services. Whether you’re looking to earn rewards on your spending or gain access to exclusive perks, NatWest has options for you.

NatWest Rewards Account: Earning Rewards for Everyday Spending

The NatWest Rewards Account is designed for individuals who want to make the most of their everyday spending. With this account, you can earn 1% in Rewards when you use your NatWest debit card at participating retailers. These rewards can be converted into cash back for your current account, traded for eGift cards, or donated to charitable causes.

One of the most appealing aspects of the NatWest Rewards Account is its simplicity. The account is free to open and maintain, with no monthly fees or charges for debit card usage. Plus, you’ll receive a free NatWest debit card with contactless payment capabilities, making transactions even more convenient.

NatWest Platinum Account: Unlocking Premium Benefits

The NatWest Platinum Account takes the rewards game to the next level. Building upon the foundation of the NatWest Rewards Account, the Platinum Account adds a suite of premium benefits to enhance your banking experience. Some of these benefits include:

  • Free mobile phone insurance: Protect your valuable device against loss, theft, or damage.
  • UK car breakdown cover: Stay worry-free on the road with comprehensive breakdown assistance.
  • Worldwide travel insurance: Travel with peace of mind, knowing you’re covered for unexpected events.
  • Fee-free debit card purchases abroad: Save on foreign transaction fees when making purchases overseas.
  • Complimentary airport lounge access: Enjoy the luxury of airport lounges before your flights.

The Platinum Account does come with a monthly fee of £20. However, considering the array of benefits it offers, this fee can be well worth it for those who frequently travel or value the added protection and convenience.

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NatWest Membership Services: Enhancing Your Account Further

NatWest Membership Services is an exclusive offering that allows NatWest Rewards Account and Platinum Account holders to unlock even more value. This service provides discounts and benefits across various categories, including travel, entertainment, and shopping. Some of the advantages include:

  • Up to 10% off selected holidays: Make your vacations more affordable with attractive discounts.
  • 5% off selected cruises: Embark on memorable cruises without breaking the bank.
  • 10% discount on travel essentials: Enjoy reduced rates on airport parking, hotels, lounge passes, car rentals, transfers, and attraction tickets.
  • Airport lounge access: Access airport lounges for free when booking flights or holidays abroad.
  • Cinema ticket discounts: Save on entertainment with discounted cinema tickets.
  • Tastecard membership: Satisfy your taste buds with exclusive dining discounts through the Tastecard.

Membership Services adds an extra layer of value to your NatWest account, ensuring you receive more than just financial benefits.

Making the Decision: Is the NatWest Platinum Reward Account Worth It?

Deciding whether the NatWest Platinum Reward Account is right for you involves weighing the benefits against the monthly fee. If you frequently travel, the added insurance coverage, breakdown assistance, and travel insurance can provide significant peace of mind. The fee-free debit card purchases abroad can also save you money during your trips.

However, if your lifestyle doesn’t align with these benefits or you’re more budget-conscious, the NatWest Rewards Account could be a better fit. It allows you to earn rewards without incurring a monthly fee.

Ultimately, the choice between these accounts depends on your individual circumstances, preferences, and financial habits. Consider your spending patterns, travel frequency, and the value you place on the added perks. By carefully evaluating your needs, you can select the NatWest account that aligns with your goals and maximizes your benefits.


In this in-depth exploration of NatWest’s account offerings and additional services, we’ve unraveled a world of possibilities designed to cater to diverse financial needs and aspirations. The NatWest Rewards Account, Platinum Account, and Membership Services provide a spectrum of benefits, from earning rewards on everyday spending to accessing premium perks and exclusive discounts.

Our journey began with the NatWest Rewards Account, a gateway to earning rewards while you spend. The simplicity of this account, paired with the opportunity to redeem rewards as cash back, eGift cards, or charitable donations, makes it an attractive choice for those seeking effortless value. With no monthly fees and the convenience of a free contactless debit card, this account caters to the savvy spender.

Moving up the ladder, we explored the elevated experience of the NatWest Platinum Account. This account epitomizes the fusion of rewards and security, offering a suite of additional benefits that range from mobile phone insurance to worldwide travel coverage. While the monthly fee might give pause, the peace of mind and convenience these added perks bring can truly make it a worthwhile investment for frequent travelers and those who appreciate premium protection.

The journey doesn’t end there. NatWest Membership Services emerged as a gateway to a world of discounts and advantages beyond banking. With offerings like discounted holidays, cruise deals, airport lounge access, and even cinematic experiences, this service transforms your account into a comprehensive lifestyle package, providing benefits that extend well beyond the realm of finances.

As we conclude our exploration, the question arises: Is the NatWest Platinum Reward Account worth it? It’s a question best answered by considering your individual circumstances and aspirations. Frequent travelers stand to benefit from the peace of mind offered by the Platinum Account’s comprehensive insurance coverage, while those who relish everyday rewards may find the simplicity of the Rewards Account more appealing. The key lies in aligning your account choice with your lifestyle, needs, and long-term goals.

In the digital age, where personalization and value are paramount, NatWest’s account offerings and services provide a glimpse into a future where banking is not just about transactions, but about enriching lives. Whether you’re embarking on a journey around the world or seeking to maximize your everyday purchases, there’s an option that speaks to you.

In your financial journey, remember that choice is a privilege. By understanding the offerings at your disposal and the benefits they bring, you’re equipped to make informed decisions that align with your aspirations. As you move forward, consider your lifestyle, preferences, and financial goals. Choose an account that resonates with your vision and sets you on a path to financial empowerment and enriched experiences.

NatWest’s range of accounts and services opens doors to a world of possibilities. From rewards to protection, discounts to convenience, the choice is yours to shape. As you navigate the intricacies of modern banking, may your choices be guided by insight, your journey be accompanied by rewards, and your financial path be one that leads to prosperity and contentment.


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