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Explore your Reward Platinum benefits

You get a range of benefits from car breakdown to travel insurance and much more

This account is eligible for the £180 switch offer. T&Cs apply.

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Your account benefits video

Sit back, relax and let us show you what's included with your Reward Platinum account.

Access your Reward Platinum benefits through Membership Services

To access your account’s insurance and lifestyle benefits, full terms and conditions, and any exclusions or excesses that apply, just visit our Membership Services .

Make a travel insurance claim.

Answer medical screening questions.

Make a mobile phone claim.

Get discounted cinema tickets.

Find local tastecard restaurants.

Membership Services is the online portal where as a Reward Platinum account holder you can:

• Read about each of your benefits
• Use your benefits online
• View your benefit usage history

You can now use your mobile or online banking details to activate and sign into your Membership Services benefits.

We will first ask you to log into your NatWest mobile app or Online Banking using your normal details i.e. Face ID, Touch ID, Passcode or Customer number. Whatever suits you best. We'll then direct you into your Membership Services account.

Alternatively, if you are already an active benefits customer, you can still use your Membership Services registered email and password to sign in.

If you are having issues logging in, you can also call us:

Platinum: 0345 609 0453 (Relay UK 18001 0345 609 0453) Overseas: +44 2392 668 650

Lines are open Monday to Friday 8am-8pm (except bank holidays) and 9am-5pm on Saturdays. Please be advised calls are recorded for training and quality assurance purposes.

Buy your cinema eCodes online today

You can buy your eCodes through  Membership Services  and redeem them as soon as your chosen cinema chain starts selling advance tickets. 

You and your family could be going to see Paddington in Peru soon. Out in UK cinemas from 8th November.

Important documents

We do our best to ensure everyone is aware of their account terms and conditions, please take some time to review, print and/or save a copy of these. 

• Platinum Travel Insurance Policy (PDF, 465 KB)
• Platinum Benefit Terms (PDF, 297 KB)
• Platinum Fee Information Document (PDF, 1 MB)
• Your Current Account Terms (PDF, 252 KB)
• MyRewards Terms (PDF, 110 KB)

Features and benefits

• Travel benefits
• Protection benefits
• Lifestyle benefits

Travel benefits OpenClose

Travel insurance, worldwide travel insurance .

• Worldwide travel insurance that covers you and your family for 31 days per trip (including winter sports).
• Cover for you, your partner and dependent children under 18 (or under 23 if in full time education) at the start of the journey. Children must be living at the home address (or with the other parent), and be neither married nor in a civil partnership.
• Emergency medical expenses, cancellations, baggage and more.

Policy underwritten by AWP P&C SA and administered by AWP Assistance UK Ltd trading as Allianz Assistance.

Things to remember

• Your partner is the person you, the account holder, live with at the same home address in a relationship, whether married or cohabiting.
• If you or your joint account holder are aged 70 or over, you will need to contact us to pay for a £75 annual age extension upgrade for each person insured aged 70 or over for cover to apply.

Before you book or commence any travel

To find out if you can extend your travel insurance to include cover for any new or existing medical conditions  please sign in and complete the online form .

If wish to discuss how your insurance works, you can call us:

UK: 0345 609 0453 | Relay UK: 18001 0345 609 0453 | Monday to Friday, 8am-8pm | Saturday, 9am-5pm | Sunday and Bank Holidays, 10am-5pm.

Pre-existing medical conditions

Pre-existing medical conditions won't be covered. You may have to pay extra for this cover or you may find that your condition cannot be covered. 

If Allianz Assistance are unable to offer you an upgrade to extend the level of cover you need, or your upgrade insurance premium is higher than you expected because you have medical conditions, help could still be available.

You may be able to obtain alternative travel insurance cover for pre-existing medical conditions by contacting one of the providers featured in the  MoneyHelper Directory  of specialist travel insurance providers for people with serious medical conditions. Do take time to study and compare the terms and conditions to ensure you have the cover you need.

Telephone: 0800 138 7777 | Relay UK: 18001 0800 138 7777 | Monday to Friday, 8am-6pm | Saturday, Sunday and Bank Holidays, closed.

How to make a claim

To make a travel insurance claim  please sign in and complete the form online .

If you are injured or ill while you are away, call our Emergency Assistance Service:

UK: 0345 609 0453 | Relay UK: 18001 0345 609 0453 | Overseas: +44 (0)20 8666 9275 | 24hrs a day, 365 days a year.

Full details on travel insurance

Fee-free debit card purchases abroad

• Use your debit card for purchases anywhere in the world without the worry of incurring extra charges or carrying around lots of cash.
• No non-sterling transaction fee when you make a payment using your Reward Platinum debit card outside the UK, or on any payment in a foreign currency.
• Not valid for ATM withdrawals. Other local fees may apply.
• We explain the charges for this at  natwest.com/travel  along with tips for when you’re travelling abroad.

Full details on fee-free debit card purchases abroad

Protection benefits OpenClose

Mobile phone insurance.

• You're automatically covered but we recommend you  register your mobile phone  to make the claims process quicker.
• Worldwide cover for your mobile phone against loss, theft, accidental damage or breakdown (once your manufacturer's warranty has expired). Please note if you're outside the UK we won't repair or replace your phone until you return.
• 2 approved claims during any 12-month period. If this is a joint account, each account holder can make 2 approved claims.
• Standard accessories that are lost, stolen or damaged at the same time as your phone, are covered up to £250.

Policy underwritten by Aviva Insurance Limited.  

Things to remember  

• There’s a £100 excess for each approved claim when your phone is replaced.
• There’s a £50 excess for each approved claim when your phone is repaired.
• Phones with a screen size of 7 inches or greater aren’t covered.
• Covers the phone you use on a daily basis. If your account is in joint names, cover is also provided for the phone the other account holder uses on a daily basis. There’s no cover for phones owned by your employer.  

Make a claim

• Claims are settled by replacing or, in certain circumstances, repairing your phone. We'll arrange a repair or replacement asap, so long as you're in the UK.
• Claims should be reported as soon as possible when theft, loss, damage or breakdown is discovered.
• Replacement phones are refurbished handsets in 'as new' condition using genuine manufacturer parts.
• Repairs use genuine manufacturer or manufacturer quality parts.
• If your phone has been lost or stolen, you must report it to your network provider as soon as reasonably practical after the event.
• If your phone has been stolen, you must report it to the police and request a crime reference number.
• We won't pay any claim where you do not provide the IMEI number or the IMEI number you provide is currently recorded as lost or stolen.

Log a claim

Alternatively you can call us on:

UK: 0345 609 0453 | Relay UK: 18001 0345 609 0453 | Monday to Friday, 8am-8pm | Saturday, 9am-6pm | Sunday, 10am-5pm | Bank Holidays will be opened during the same hours​ noted, excluding Christmas Day and New Year’s Day.

Full details on mobile phone insurance

UK car breakdown cover

The AA provide our UK breakdown cover. If your car breaks down, you’re sorted.

• All your vehicles are covered - your policy covers any privately registered vehicle you travel in, anywhere in the UK. It also covers your vehicle if it is being driven by someone else with your permission.
• Roadside Assistance - anywhere in the UK.
• At Home - get help when your vehicle won't start at home.
• National Recovery - if the AA can't get your vehicle going, they'll take you and your vehicle to a destination of your choice.
• Onward Travel - if your vehicle can't be fixed at the roadside, the AA can help you complete your journey. This may be by arranging a replacement vehicle, booking you a night's accommodation or funding alternative transport costs (i.e. rail fares) where appropriate.
• Accident Assist - a 24/7 accident claims service. The AA will handle your insurance claim - at no additional cost - no matter which company insures you.

Policy is provided by Automobile Association Developments Limited (trading as AA Breakdown Services)

Things to remember:

• Doesn't cover any repair costs once the insured vehicle has been transported to a garage or repairer.
• Repeat call-outs for the same fault within 28 days won't be covered.
• All vehicles must meet legal requirements - insured, taxed and with a valid MOT.
• All vehicles must be within 3.5 tonnes and no wider than 2.55m.

Full details on car breakdown cover

Broken down and need assistance?

If you’ve broken down and need help, you can register and track this on  the AA app  or call us on:

UK: 0345 609 0453 | Relay UK: 18001 0345 609 0453 | 24/7, 365 days a year.

Lifestyle benefits OpenClose

Cinema discount.

• Buy online through membership services and get great savings off the price of cinema tickets.
• Valid at over 250 UK cinemas including Vue, ODEON and Showcase.
• Great prices on cinema eCodes to redeem at one of many cinemas throughout the UK - any day, any time, any film.
• Prices depend on cinema chains and locations across the UK.
• You can buy up to 6 eCodes per booking, and book as many times as you want all year round.  

Using your eCodes is easy  

1.  Sign in  and select Cinema discount benefit.

2. Choose your cinema chain.

3. Purchase your eCodes.

4. Choose the film, date, time and seat you want when you use your eCodes either on the cinema’s website or at the Box Office.

Sign in to Membership Services

Full details on cinema discount

• Exclusions on offers and available days may apply, check with participating restaurants.
• Where restaurants offer 50% off food or 25% off food and drinks they may limit the number of people; where restaurants offer 2 for 1 this does not include side dishes or extras.
• Remember to take your card or digital membership with you.
• Bookings must be made by the account holder and some restaurants may ask that you book in advance when using your tastecard.
• Digital memberships will be sent out to you via email or letter, close to the time your current membership expires. 
• You can request a plastic card or order a replacement tastecard for £15 (at your cost) by signing in to your  Membership Services .

Use your tastecard

Full details on tastecard

Rewards OpenClose

Earn rewards, how to earn rewards.

• Get £4 a month back in Rewards for 2 or more Direct Debits (2 of those Direct Debits needs to be at least £2 each).
• Get £1 a month back in Rewards with 1 mobile app log in.
• Earn at least 1% in Rewards by shopping at our partners.

Redeem and exchange Rewards

How to exchange and redeem rewards.

• Redeem Rewards as cash which you can then transfer straight into your bank account or pay towards your NatWest credit card balance.
• Exchange your Rewards into money which is donated to one of our chosen charities.
• Exchange for eGift cards which you can use online or in store with our partners.

How do I access MyRewards?

How to access myrewards.

You can see your MyRewards balance and exchange straight from the NatWest app with the touch of a button. There's no need to use a password. Simply tap the MyRewards tile then earn Rewards, exchange Rewards or view statement. 

Have an existing Travel Service booking?

The Travel Service was withdrawn on 1 March 2024. The Travel Service team are still available to support existing bookings, and you can continue to manage your booking, including making a payment, online.

Visit  Membership Services  or call us on 0345 609 0453 (Relay UK 18001 0345 609 0453).

Lines are open from 9am - 6pm Monday to Friday; 9am - 1pm Saturdays; closed Sundays and public holidays (including Christmas Day). Please be advised calls are recorded for training and quality assurance purposes.

Accessing MyRewards is easy

• On your mobile or tablet, open the camera and point your device at the QR code.
• A link will pop up, tap this, and you’ll be taken straight to MyRewards in your NatWest mobile banking app. 

Not able to scan the QR code? 

You can still get into MyRewards by:

• Using this  MyRewards link  to get into your app.
• Or you log in using  Online Banking  and use the MyReward section to access MyRewards.

App available to customers aged 11+ with compatible iOS and Android devices and a UK or international mobile number in specific countries.

You’ll be taken straight to MyRewards in your NatWest mobile banking app .

Don't have the app? 

Access MyRewards by logging in to  Online Banking  and click the MyReward section.

You’ll be taken straight to MyRewards in your  NatWest mobile banking app .

Change your bank account

It's quick and easy to change your current account through your NatWest mobile app or Online Banking, we'll even pre-fill the application for you.

We have a range of accounts to choose from. The Select account  could be ideal if you want to keep things simple, or check out our Reward bank accounts if you're interested in receiving extra benefits and rewards. 

Specific account eligibility criteria and monthly fee may apply.

Frequently asked questions

Do i need to let natwest know that i am travelling.

No, you do not need to tell us that you are travelling in order to be covered by our travel insurance however register your travel details with NatWest at least 24 hours before your trip, and we'll do our best to ensure your holiday spending isn't affected at all.

Simply go to the app, tap on the account that your card is linked to, select 'Manage my card' and then select ‘Going Abroad’ to register your trip.

You can register one trip at a time. It can include up to seven countries and last 90 days. Register each country you are visiting. The marker will apply to all debit cards in your name. Joint account holders should register separately.

Get more information on  spending abroad  and how to minimise fees and charges.

How can I get a copy of my Travel insurance policy?

You can download a copy of your policy using the link below.

If you would like a hard copy of the policy, call us on UK: 0345 609 0453 | Relay UK: 18001 0345 609 0453 | Monday to Friday, 8am-8pm | Saturday, 9am-5pm | Sunday, 10am-5pm.

Platinum Travel Insurance Terms (PDF, 721 KB)

Where can I find full information on my benefits?

You can access full information on your Reward Platinum benefits through Membership Services.

Sign in/Register

Do my Rewards expire?

No, your Rewards won't expire. There is no time limit to exchange your Reward balance.

If you’ve exchanged your Rewards for an eGift card, please check your MyRewards voucher for the expiry date.

I exchanged my Rewards, but I've not received my eGift card/code?

Please check the following:

• Check we have the correct email address registered for you at MyRewards. This may be different from the one we have on our bank records. Log in to MyRewards then tap My Account > Your Personal Details to check.
• Check your spam folder.
• Some small and workplace email providers may block MyRewards emails. Please check the security settings on your email account, or update your email address to ensure you are able to receive MyRewards emails. 

After following the steps above, please contact us if you need us to resend your eGift card(s).

What do the different account balances mean?

The main change you will see is the balance that was previously called “Available balance” has changed into two separate parts:

• Balance including pending transactions – this is now the prominent balance you will see for your current account (and will be shown in bold).
• Arranged overdraft limit (if you have one).

What do my balances include?  

Balance including pending transactions  - this is the amount of your own money including any pending transactions outstanding. It doesn’t include cheques until they are cleared (for more detail on pending transactions and cheque clearing see below).

Overdraft Limit  - this is your arranged overdraft limit. If you do not have one, this will not show.

Overdraft Remaining  - this shows the remaining amount of your arranged overdraft, this will only be displayed if you are using your limit.

Account Balance  - this is how much money you have in your account before any pending transactions are processed and includes uncleared cheques paid in. This was previously called ‘Today’s balance’.

Get our £180 offer when you switch into your Reward Platinum account

Apply online or via our mobile app to switch your current account held elsewhere into one of our Reward accounts using the Current Account Switch Service. This means your old bank account will close, and any funds and Direct Debits will move over to us.

To be eligible for the offer,  within 60 days of completing the switch  you must:

• Have an eligible Reward account
• Pay in £1,250. This can be made up of multiple payments and must remain in the account for 24 hours
• Log into our mobile app. If you already have the app, you'll need to be on the latest version

When you've met these conditions, we'll pay £180 into your eligible account within  7 days .

If you've previously received a switch incentive from NatWest Group, you won't be eligible for this offer. The offer can be withdrawn or amended at any time due to limited availability. App criteria apply. Offer T&Cs apply. 

Switch offer T&Cs

Switch Offer T&Cs (PDF, 166KB)

Current Account Switch Guarantee (PDF, 39KB)

A Guide to Switching Current Accounts (PDF, 3MB)

Something else we can help you with?