Enjoy extra benefits with a Gold account

One of the primary Gold benefits is the travel insurance. The built-in travel insurance offers comprehensive cover when travelling and includes winter sports cover.

If you experience difficulties while abroad, you have access to 24/7 emergency medical assistance. Wherever you are in the world, one simple phone call will provide you with instant help and support, day or night.

• Family cover includes you and your partner, plus any dependent children under age 18 at the start of the journey, (under 23 if they’re in full-time education). 
• Children must be living at the home address (or with the other parent), and be neither married or in a civil partnership.
• Your partner is the person you, the account holder, lives with at the same home address in a relationship, whether married or cohabiting.

Medical conditions

If anyone covered by the policy has a medical condition, you may need to pay an additional premium or accept that your cover may exclude certain conditions. 

For full details on what’s covered and any exclusions, please refer to our insurance guides.

For more information on how a pandemic affects your Gold account travel insurance, please review our frequently asked questions.

Gold travel insurance is underwritten by AWP P&C SA and administered in the UK by Allianz Assistance.

NatWest International has teamed up with Ten, a lifestyle management company to bring Gold account customers a concierge service.

This service is available 24/7, giving you access to Ten’s expert concierge team whenever you need. Enjoy benefits such as unlimited requests for dining, travel, and ticket reservations.

Private Motor Excess Insurance

The Insurance works alongside your existing car insurance. It covers the cost of your excess if you have to make a 'at fault' claim where the damage to your vehicle is greater than your excess limit.

Should you need to make a claim on your car insurance, you pay your excess as normal and then claim it back.

Cover is available for persons who own and insure their private motor vehicle.

Car Rental Loss Damage Waiver Insurance

If there is damage to the rental vehicle, this insurance provides two main benefits:

• The ability to recover your rental vehicle excess that you as the renter are responsible for, meaning you can decide to decline to purchase insurance that reduces your excess, which some rental companies may offer. In the event of an accident you pay the rental vehicle excess and this insurance will allow you to claim it back.
• Where no insurance is included in the rental agreement this policy also provides cover.

This insurance provides cover for rental periods of up to 31 days for persons aged 21 to 84, at the time when the car rental booking is made.

Private Motor Excess Insurance and Car Rental Loss Damage Waiver Insurance are underwritten by AWP P&C SA and administered in the UK by Allianz Assistance.

There are two different types of overdraft:

• An arranged overdraft, which allows you to go overdrawn up to an agreed limit. This is the type of overdraft you could apply for here. During your application for an arranged overdraft, we'll run a full credit check to determine how much we can offer you.
• An unarranged overdraft. This is when you spend more money than you have in your current account without already having an arranged overdraft, or when you exceed your current arranged overdraft limit.

We charge interest on both types of overdraft. Going in to an unarranged overdraft limit can lead to payments being rejected.

More about overdrafts

This account offers an overdraft facility (subject to eligibility). 

As an example, the interest cost of using a £500 arranged overdraft is: 

This is a specific illustrative example representing the interest cost of using a £500 arranged overdraft over periods of seven, thirty and sixty days.

How does our overdraft compare?

A good way to compare the costs of borrowing products is by using the APR, which shows the cost of borrowing over a year.

Representative Example: Effective Annual Rate 0% EAR on arranged overdrafts up to £100, 7.76% EAR (variable) above £100. Representative 7.11% APR (variable). Assumed credit limit: £1200.