Gold Account | Current Accounts | NatWest International


Gold account

All the features of a conventional current account with added benefits you might not expect

Monthly fee £18

Coronavirus and your Gold account

Since the beginning of the coronavirus outbreak we’ve supported customers with their banking.  As a Gold customer this included suspending the monthly fee in recognition of travel restrictions.

With the easing of local travel restrictions, we are reinstating the £18 monthly fee for Gold accounts held in Jersey and Gibraltar. The first fee will be taken from mid September 2020.

For Gold accounts held in Guernsey or Isle of Man, we continue to waive the monthly fee as we monitor the travel restrictions put in place by the local government. When current restrictions are eased, we will reinstate the £18 monthly fee. 

How does coronavirus (COVID-19) affect my Gold account travel insurance?

More than just a bank account

Our Gold account has everything you would expect from a current account plus a host of great benefits built in.

  • Fee free overdraft with preferential rates subject to status
  • Credit interest on current account balances
  • Travel insurance for you and your family, including winter sports cover
  • 24/7 dedicated concierge service helping you make the most of your valuable free time
  • Private Motor Excess Insurance and Car Rental Loss Damage Waiver Insurance
Features and benefits

Gold travel insurance
Cover when travelling including claims arising from epidemic or pandemic diseases

The primary Gold benefit is the travel insurance. The travel insurance offers comprehensive world wide cover when travelling and includes winter sports cover.

Underwritten by AWP P&C SA and administered in the UK by Allianz Global Assistance.

Ten concierge service
24/7 dedicated concierge service

Need help with restaurant bookings, flights, holidays, car hire or concert tickets? Let our 24/7 concierge service, provided by Ten, help you make the most of your valuable time.

Gold protection
Added protection with Gold

Enjoy the benefits of Private Motor Excess Insurance and Car Rental Loss Damage Waiver Insurance included with your Gold account.

Provided by AWP P&C SA and administered in the UK by Allianz Global Assistance.

Earn Interest
Interest is calculated daily and paid monthly



Gross p.a./AER (variable)

Any amount


Annual Equivalent Rate (AER).
 This is a notional rate used for interest bearing accounts which illustrates the interest rate if paid and compounded each year. It helps you to compare the effective rates of credit interest on different accounts.

Gross Rate. This means the interest rate you are paid before the deduction of basic rate income tax.

Ways to bank with us

Illustration of mobile phone

Mobile banking

Our mobile banking app gives you the choice of doing your banking when it suits you, direct from your phone.

More on mobile banking

Illustration of laptop with cubes on screen

Online banking

Online banking is the way to beat the queues and manage your banking from the comfort of your home.

More on online banking

Illustration of debit cards

Visa Debit card

Your debit card makes it easy to pay whether you're popping down to the shops or dashing off abroad.

Using your debit card
Important information

Eligibility criteria

To apply for a Gold account you are required to be 18 years or over and resident in:


  • Jersey
  • Guernsey
  • Isle of Man
  • Gibraltar

If you are an international customer and want to discuss your banking needs, call us on +44 (0) 1534 282300.


Calls may be recorded.


Interested in our Premier service?


NatWest International Premier is a relationship service designed to offer a more personal banking experience. Our Premier service is here to make your life easier and run more smoothly.


Discover more about our Premier service

Important documents

The following Terms, fees and interest rates apply to NatWest International personal bank accounts.

How your information might be used

It's important for you to understand how we use and share your information. Please read our privacy notice for details on how we use your information and your rights.

Our Privacy Notice Summary

Insurance product information for Gold account

The Gold account comes with a range of insurance policies that could cover you and your family. Please review the following documents to ensure our policies fully meet your needs and the cover is right for you.

Insurance Product Information What You Need To Know

For full details of cover, please refer to the Gold account Travel Insurance, Private Motor Excess Insurance and Car Rental Loss Damage Waiver Insurance guides.

Car Rental Loss Damage Waiver Insurance Guide Private Motor Excess Insurance Guide Travel Insurance Guide
How to apply

Gold account applications temporarily suspended

Due to current worldwide travel restrictions affecting travel insurance, we are temporarily not accepting new applications for our Gold account.

We apologise for any inconvenience caused.

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