MyRewards
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What are Rewards?
Earning Rewards
Join MyRewards
Use your Rewards
Check your balance
Reward membership FAQs
MyRewards is a membership scheme for our current account and credit card customers. It allows you to earn related Rewards in a variety of ways such aswhen you pay Direct Debits, spend with your debit or credit card or log in to the mobile app.
You can watch your Rewards grow in the app and when you have more than 5.00 in Rewards you can choose to covert them into money to bank, trade or donate.
Who can earn Rewards?
You can earn Rewards if you're a UK resident and have:
- a Reward, Reward Silver, Reward Platinum, Premier Reward or Premier Reward Black account, or
- a Reward or Reward Black credit card.
Fees from £2 per month.
How to earn Rewards
The way you can earn Rewards will be different depending on which current account or credit card you have with us. Here are examples of how you earn Rewards with your personal current account.
Earn £4 in Rewards a month
Pay 2 or more Direct Debits from your Reward account – 2 of those Direct Debits need to be at least £2 each.
Earn £1 in Rewards a month
Simply by logging into your mobile banking app once a month. App criteria apply.
Earn between 1-15% in Rewards
Use your debit card to spend at our partner retailers.
See our partner retailers
Choose your current account or credit card to see the different ways to earn Rewards.
How to earn
Pay 2 or more Direct Debits from your Reward account – 2 of those must be at least £2 each.
Log in to your mobile app once a month
Use your debit card at partner retailers
How much you could earn (per month)
£4
£1
1-15%
Available to new and existing customers. Must be 18+, UK resident, and pay in £1,250 to an eligible NatWest account every month to earn Rewards.
How to earn
Pay 2 or more Direct Debits from your Reward account – 2 of those must be at least £2 each.
Log in to your mobile app once a month
Use your debit card at partner retailers
How much you could earn (per month)
£4
£1
1-15%
Available to existing NatWest current account customers.
How to earn
Pay 2 or more Direct Debits from your Reward account – 2 of those must be at least £2 each.
Log in to your mobile app once a month
Use your debit card at partner retailers
How much you could earn (per month)
£4
£1
1-15%
Available to existing NatWest current account customers.
How to earn
Pay 2 or more Direct Debits from your Reward account – 2 of those must be at least £4.50 each.
Log in to your mobile app once a month
Use your debit card at partner retailers
How much you could earn (per month)
£9
£1
1-15%
Available to new and existing customers. Must be 18+, UK resident, and pay in £1,250 to an eligible NatWest account every month to earn Rewards. Premier eligibility criteria applies.
How to earn
Pay 2 or more Direct Debits from your Reward account – 2 of those must be at least £4.50 each.
Log in to your mobile app once a month
Use your debit card at partner retailers
How much you could earn (per month)
£9
£1
1-15%
Available to existing NatWest current account customers. Premier eligibility criteria applies.
How to earn
Use your credit card at partner retailers
Use your credit card at supermarkets
Use your credit card everywhere else, including supermarket petrol stations
How much you could earn (per month)
1-15%
1%
0.25%
Which supermarkets are included? Close
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Which supermarkets are included?
Supermarkets will include, but are not limited to, Asda, Iceland, Marks & Spencer, Morrisons, Sainsbury’s, ALDI, LIDL, Tesco, The Co-operative and Waitrose.
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Available to UK residents, aged 18+ and earning at least £10K per year.
How to earn
Use your credit card at partner retailers
Use your credit card at supermarkets
Use your credit card everywhere else, including supermarket petrol stations
How much you could earn (per month)
1-15%
1%
0.5%
Which supermarkets are included? Close
Close
Which supermarkets are included?
Supermarkets will include, but are not limited to, Asda, Iceland, Marks & Spencer, Morrisons, Sainsbury’s, ALDI, LIDL, Tesco, The Co-operative and Waitrose.
Close
Available to UK residents, aged 18+ and earning at least £15K per year.
How to earn
Use your debit card at partner retailers
How much you could earn (per month)
Between 1-15% of your spend
Cashback Plus account can't be applied for.
Say hello to our partner retailers
As a MyReward customer, you could earn extra Rewards when you spend. Your offers change regularly. Check the MyRewards section of your app to see your latest offers. Maybe you enjoy a Greggs sausage roll for lunch, or like to do your weekly shop at Morrisons?
Last year our Reward customers earned an average of 6% back in Rewards whenusing their NatWest debit card at our partner retailers.Based on Rewards earned vs. amount spent in 2022.
See our partner retailers
MyRewards Terms and Conditions
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.
- MyRewards Terms (PDF, 235 KB)
Join MyRewards
Become a MyRewards member and automatically earn Rewards if you have a Reward current accounts such as Reward, Reward Silver, Reward Platinum, Premier Reward or Premier Reward Black.
You can also earn Rewards with a Reward or Reward Black credit card.
Reward
18+, minimum monthly pay in £1,250
Reward Silver
18+
Reward Platinum
18+
Premier Reward
18+, Premier eligibility criteria apply,minimum monthly pay in £1,250
Premier Reward Black
18+, Premier eligibility criteria apply.
Controls
Monthly fee
Monthly fee
£2
Monthly fee
£10
Monthly fee
£20
Monthly fee
£2
Monthly fee
£31
Earn Rewards
Earn Rewards
Earn Rewards
Earn Rewards
Earn Rewards
Earn Rewards
Mobile phone insurance
Mobile phone insurance
Mobile phone insurance
Mobile phone insurance
Mobile phone insurance
Mobile phone insurance
Travel insurance
Travel insurance
Travel insurance
European
Travel insurance
Worldwide
Travel insurance
Travel insurance
Worldwide
Car breakdown
Car breakdown
Car breakdown
Car breakdown
UK
Car breakdown
Car breakdown
UK & European
Additional Premier benefits
Additional Premier benefits
Additional Premier benefits
Additional Premier benefits
Additional Premier benefits
Additional Premier benefits
Already a MyReward member?
Already a MyReward member?
See Reward benefits in detail
Already a MyReward member?
See Reward Silver benefits in detail
Already a MyReward member?
See Reward Platinum benefits in detail
Already a MyReward member?
See Premier Reward benefits in detail
Already a MyReward member?
See Premier Reward Black benefits in detail
Join MyRewards
Join MyRewards
Available to new and existing customers.
Continue to the Reward account
Join MyRewards
Available to existing current account customers.
Continue to the Reward Silver account
Join MyRewards
Available to existing current account customers.
Continue to the Reward Platinum account
Join MyRewards
Available to new and existing customers.
Continue to the Premier Reward account
Join MyRewards
Available to existing current account customers.
Continue to the Premier Reward Black account
Use your Rewards in three ways
Bank your Rewards
Pay them as money into your bank account
Change your Rewards into money which you can either transfer into your NatWest current account or use towards reducing your Reward Credit Card balance.
£5 in Rewards could mean £5 in your bank account.
The money can take 5 working days to be added to your account.
Trade your Rewards
Exchange them for e-gift codes from partner retailers.
Trade up your Rewards for e-gift cards which you can use at selected retailers either in store or online.
£10 in Rewards could be traded for a £10 Argos eGift card, plus get 5% back in Rewards.
Retailers can change, login to MyRewards regularly to see new ways to exchange your Rewards.
View our Trade Up partners
Donate your Rewards
Donate them to one of our chosen charities
We'll exchange your Rewards into cash and send your donation directly to your chosen charity. It's easy and can all be done within your NatWest app.
£5 in Rewards could be £5 donated to Macmillan Cancer Support, Alzheimer's Society and many more.
View our partner charities
Watch your Rewards grow in the app
You can see your MyRewards balance in the NatWest mobile app. It will be displayed next to your other NatWest accounts.
Tap the MyRewards tile to see your Rewards statement, personalised retailer offers and how to exchange your Rewards.
App available to customers aged 11+ using compatible IOS and Android devices and a UK or international mobile number in specific countries.
Boost your Rewards with our Reward credit card
Representative 26.8% APR (variable)
- Earn 1% back in Rewards on supermarket spend (0.25% at their petrol stations and everywhere else)
- Get between 1-15% back at selected MyRewards retailers
- Annual fee refunded if you have a Reward current account
- Available to new and existing customers
To apply, you must be a UK resident, aged 18+ and earning at least £10K per year.
Continue to Reward credit card
MyReward membership FAQs
No, your Rewards won't expire. There is no time limit to exchange or trade up your Reward balance.
If you’ve traded up your Rewards for an eGift card, please check the ‘Your MyRewards Trade Up’ email containing your code for the expiry date.
Great news, MyRewards members no longer need to reset their password to access MyRewards. Just scroll to the MyRewards membership section once you've logged in to the app, then tap earn Rewards, exchange Rewards or view statement.
If you want to visit MyRewards on a web browser, and have forgotten your password, you can reset it. You'll need the email address you use to log in, the debit or credit card linked to your MyRewards account and your date of birth.Resetyour password.
When you trade up your Rewards you should 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).
Log in to MyRewards and tap on My Account at the top left of the screen. Tap 'Report Missing Transaction'. Read through the FAQs, and if you still want to log a missing transaction, tap the 'View Form' link and complete the required details.
No. Each joint account holder will have their own MyRewards balance and can manage this through their NatWest mobile app.
When your Reward current account was opened or converted, you would have elected a joint account nominee to receive the rewards for your Direct Debits and mobile app login.
You can change the nominee by logging in to MyRewards directly through our secure mobile banking app* orby pressing here(opens in a new window), and go to the Linked cards and Accounts section.
You will be eligible to register for MyRewards if you have one of the following Reward products:
- Reward
- Reward Silver
- Reward Platinum
- Premier Reward
- Premier Reward Black
- Reward Credit Card
- Reward Black Credit Card
Ways to become a MyRewards member
New to NatWest?
Our Reward account is available to new customers. To apply, you must be 18+ and a UK resident. You need to also pay in £1,250 to an eligible NatWest account every month.
Continue to Reward
Upgrade your current account
Packaged current accounts come with added extras and are available to existing NatWest current account customers. These extras range from earning Rewards, different types of insurance and fee-free debit card purchases abroad.
Compare our Packaged accounts
View our Premier Reward accounts
Bank accounts packed with benefits combined with our Premier Banking service to help you achieve your financial goals.
Compare our Premier Reward accounts