NatWest NatWest Reward Silver Debit Card

NatWest Reward Silver Debit Card Review 2026

Details checked Aug 2026Got this card? Leave a review

Cashback

Data pending

We're still confirming this card's earn rate.

Annual fee

£120

£10 per month

Spending abroad

Free

No foreign transaction fees

Lounge access

Not included

How you earn

Up to £5/month in Rewards plus European travel insurance, phone insurance and fee-free spending abroad.

  • £4/month for 2+ Direct Debits.
  • £1/month app login.
  • 1%+ at partner retailers.
  • From 1% back in Rewards at partner retailers.
  • Pre-existing conditions not automatically covered.
  • 2+ Direct Debits for the monthly Reward.
  • Fee rises to £12/month and the £1 app-login Reward disappears on 1 October 2026 — time-sensitive content angle.

Using it abroad

No non-sterling transaction fee on purchases.

  • No non-sterling fees on debit card purchases abroad (not ATM withdrawals.
  • Local fees may apply).
  • Converts at the Mastercard exchange rate.
See today's live travel money rates

Who can apply

Pay £1,250 a month into an eligible account.

  • UK residents 18+.
  • Upgrade from an existing account or open directly.

What else you get

Same Rewards engine as the standard Reward account — £4 a month for 2+ Direct Debits (two at £2+) and £1 a month for an app login — plus UK & European travel insurance (22 days per trip, winter sports included) and mobile phone insurance.

  • From 1 October 2026: fee rises to £12/month, the £1 app-login Reward is removed, and benefits are refreshed (DragonPass Premier+ travel perks, travel eSIM, 24/7 virtual GP, tastecard cinema discounts). Age 70+ travel cover needs a £75/year per-person extension.
  • Travel insurance underwritten by AWP P&C SA (Allianz).
  • Phone insurance by Aviva — covers loss, theft, accidental damage and breakdown, one claim per 12 months.

Our Expert Opinion on NatWest Reward Silver Debit Card

The NatWest Reward Silver Debit Card suits existing NatWest customers who want travel and phone insurance bundled with their current account. Its strongest point abroad is the Mastercard rate, which is practically nothing off the real exchange rate, matching the best cards we have measured. The catch I would flag is the fee: currently £10 per month, rising to £12 per month from 1 October 2026, when the £1 app-login reward also disappears, so the value calculation shifts noticeably from that date.

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