NatWest Switch Offer

NatWest is offering £200 cash when you move an eligible current account to NatWest using the Current Account Switch Service.

There are no Direct Debit requirements or debit-card spending targets. After the switch completes, pay in £1,250, leave the qualifying money in the account for at least 24 hours, and log into the NatWest mobile app within 60 days.

NatWest currently confirms these requirements on its live switching page. The reward is paid as cash into the eligible NatWest account.

Choose the current account you are going to move to NatWest. You do not need to create or prepare Direct Debits for this offer; the old account simply needs to be eligible for a full CASS switch.

A full CASS switch closes the account you are switching from, so a spare current account may be preferable if you are completing the offer primarily for the £200.

Have the old bank name, sort code, account number, debit-card details where requested and your preferred switch date ready.

Joint accounts can qualify only when the receiving NatWest account is also joint. NatWest asks you to add the second account holder before requesting the joint-account switch, and the qualifying account receives one £200 payment.

For the standard £200 offer, choose either NatWest Select or NatWest Reward.

Select is the simplest choice for most people completing the switch primarily for the cash bonus. It has a £0 monthly account fee and no extra monthly funding requirement simply for keeping it.

Reward costs £2 per month and requires at least £1,250 to be paid into an eligible NatWest account each calendar month. It can currently earn up to £5 per month in Rewards, including £4 for two or more qualifying Direct Debits and £1 for logging into the app.

If you already opened an eligible NatWest account after 6 May 2026, check the app or Online Banking for Open your current account → Switch my account.

Request a full Current Account Switch Service switch from your old bank into NatWest. You can normally request it while applying for the new account.

A qualifying full CASS switch moves your remaining balance, Direct Debits if you have any, standing orders and incoming payments, then closes the old account. A partial switch does not qualify.

The CASS move normally completes in around 7 working days. NatWest contacts your old bank and handles the transfer.

Allow the CASS process to finish, normally in around 7 working days. Your balance, payment instructions and incoming payments will move, and the old account will close.

The 60-day qualification window starts when the switch completes. The safest sequence is: complete switch → pay in £1,250 → leave it for 24 hours → log into the app.

Once the switch has completed, finish the two remaining requirements within 60 days of switch completion.

Pay in a total of at least £1,250. NatWest allows multiple payments, so you can build the total in smaller amounts rather than transferring it as one lump sum.

The qualifying money must remain in the account for at least 24 hours. For example, five payments of £250 can reach £1,250, but do not rush the money back out.

You must also register for and log into the NatWest mobile banking app within the same 60-day window. Do not rely on Online Banking alone for this requirement.

Once you have completed all the requirements, NatWest pays £200 cash directly into your eligible account within 30 days of meeting the requirements.

If the reward has not arrived, wait the full 30-day payment window after your final qualifying action. Then check that the switch was full CASS, the source account was eligible, the £1,250 remained for 24 hours, the app login was completed within 60 days, and the account is still open.

If everything is correct, contact NatWest through the app and ask it to check your switch-offer eligibility. NatWest’s digital assistant may also help check whether you previously received a NatWest Group switching incentive.

If you keep the account, you can review optional extras such as the Digital Regular Saver. If you chose Reward, remember its separate £2 monthly fee and £1,250 monthly funding requirement.