NatWest Advantage Gold
Compare the NatWest Advantage Gold with the UK's best current accounts, including application criteria, incentives, facilities, overdraft, rates and fee & charges.
![]() | Compare NatWest Advantage Gold details directly with other current accounts or compare current accounts using our current account comparison tables. | ||
| Company: | NatWest www.natwest.com ![]() | ||
| Product: | Advantage Gold | ||
| Apply via this site: | Not available | ||
| Application Criteria | |||
| No minimum income required for his account. | |||
| No minimum month credit is required. | |||
| There is no minimum investment required to open this account, however interest is earned from £0. | |||
| Unlimited | |||
| The minimum age is 18 years. | |||
| Unlimited | |||
| This account is not only available to existing customers. | |||
| No area restrictions. | |||
| A transfer pack is issued. | |||
| Incentives | |||
Annual 5-star travel insurance Mobile Phone Insurance Identity Theft Insurance £10,000 accidental death benefit 10% off car insurance 25% off home insurance Extended warranty Travellers Cheque Card Commission-free travel money Travel service Discounts on worldwide hotels 10% off home electrical goods 20% off CDs and DVDs 20% off UK attractions | |||
| This incentive is not available with this account. | |||
| This incentive is not available with this account. | |||
Receive a discount on a Natwest personal loan. Exclusive access to Natwest mortgage offers The customer can save 25% on their first NatWest home insurance annual premium 10% off Natwest car insurance (plus an additional 10% off if they already have a NatWest Home Insurance or Annual Travel Insurance). | |||
20% off attractions with a Privilege Card - a Privilege Card entitles up to six people to a 20% discount off entry to 200 leading attractions throughout the UK. Discounts of up to 60% at more than 20,000 hotels worldwide in 3,300 cities An average 20% discount off the typical high street price on videos, CDs, DVDs and games software delivered free to the UK mainland. Get a price that is guaranteed to be 10% lower than the typical high street retailer price on thousands of top brand items such as videos, TVs, cameras and much more with NatWest's Home Shopping Service. The customer can order by phone and get free delivery to the UK mainland. | |||
| This incentive is available with this account. | |||
| A year's extra extended warranty on home electrical goods £5,000 Identity theft protection. | |||
| This incentive is not offered with this account. | |||
| This incentive is not available with this account. | |||
| Commission free travel money with free home delivery. No commission when NatWest buy or sell back travel money or American Express travellers' cheques, and home delivery is free. | |||
Travellers Cheque Card There is a ninety day, no-quibble, moneyback guarantee if a customer no longer wishes to keep the account. Can offset a mortgage with this account: Forgo interest on this account, in order to not pay the interest on the same amount of the mortgage. | |||
| Facilities | |||
| NatWest's OnLine Banking allows the customer to keep a close eye on their balances on all NatWest accounts including credit cards. View the most up to date information with real time balances, payments and transfers. Can also pay bills and transfer money at the touch of a button, schedule payments or transfer in advance, and much more. The customer can have up to 50 accounts: view up to their last 6 months' entries for their bank accounts and the last 100 days entries for the card accounts. | |||
| This account can be operated through a branch. | |||
| NatWest offers telephone banking, 24 hours a day, 7 days a week. | |||
| Transactions cannot be made at a Post Office. | |||
| A standing order facility is available. | |||
| A direct debit facility is available. | |||
| Electronic/Telegraphic transfer service is available. | |||
| Electronic/Telegraphic transfer service is available. | |||
| Bill payment service is available. | |||
| Statements are issued monthly. | |||
| Unlimited | |||
| Unlimited | |||
| Withdrawal Conditions - None. | |||
| An ATM card is available - subject to approval. | |||
| Mini statements are available through the ATM. | |||
| The maximum ATM withdrawal is £500.00. | |||
| A cheque book is available. | |||
| A cheque guarantee card of up to £100 can be issued subject to status. | |||
| Funds from a paid-in cheque become available within 3 working days. | |||
| A Solo card is available. | |||
| A Solo card is available. | |||
| A passbook is not provided with this account. | |||
| Text messaging events are available. | |||
| Text message mini statements are available. | |||
| Winter sports cover is included. | |||
| Overdraft | |||
| Overdraft facilities are available subject to status. | |||
| No interest-free overdraft is offered. If the customer has an arranged overdraft, an interest-free buffer is applicable. | |||
| There is no approved overdraft facility automatically set up when this account is opened. | |||
| An interest free overdraft buffer facility of £100 is available to arranged overdrafts. | |||
| No arrangement fee for Credit Zone Overdrafts below £7,500, in excess of £7,500 there is a charge of 2% of the new limit, or increase over the previous limit (minimum £30). This fee is also applicable if a rate other than the standard overdraft rate is payable. | |||
| The annual rate charged for authorised overdrafts is 18.49% | |||
| No monthly authorized charge is payable. | |||
| The annual rate charged for unauthorised overdrafts is 29.69% EAR. | |||
| If the customer exceeds their arranged overdraft facility or if they go overdrawn without prior arrangement they will be charged £28 Unarranged Borrowing Fee per charging period. | |||
| No charge for sending an overdraft letter. | |||
| Rates | |||
| The headline interest rate is 0.25% AER. | |||
| There are no interest rate guarantees. | |||
| No introductory bonus payable. | |||
| The bonus amount is 0%. | |||
| No open-ended bonus payable. | |||
Gross Rate Gross Rate AER Excluding Bonus Including Bonus £1 0.25% 0.25% 0.25% | |||
| 0.25% | |||
| 0.25% | |||
| 0.25% | |||
| 0.25% | |||
| 0.25% | |||
| 0.25% | |||
| 0.25% | |||
| 0.25% | |||
| 0.25% | |||
| Interest is paid monthly on the last working day prior to the last day of the month. | |||
| Interest stops being paid on a withdrawal on the same day. | |||
| Interest can be added to the account. | |||
| Interest cannot be paid by cheque or warrant. | |||
| Interest cannot be paid to a bank account. | |||
| Interest can be paid to another account. | |||
| Interest is paid on a cash deposit on the same day. | |||
| Interest on a cheque deposit will be paid after 3 days. | |||
| Interest is paid on a BACS deposit on the same day of deposit. | |||
| No | |||
| Unlimited | |||
| Fee & Charges | |||
| A servicing charge is payable each month, taken directly from the account. | |||
| A service charge of £12.95 per month. | |||
| There is no charge for payment of a standing order mandate. | |||
| There is no charge for setting up a standing order mandate. | |||
| There is no charge for amending a standing order mandate. | |||
| There is no charge for cancelling a standing order mandate. | |||
| The charge for an unpaid standing order mandate is £38.00. | |||
| There is no charge for payment of a direct debit mandate. | |||
| A charge of £1.25 is made for point of sale transactions using Maestro. | |||
| There is no charge for setting up a direct debit. | |||
| There is no charge for amending a direct debit mandate. | |||
| There is no charge for cancelling a direct debit mandate. | |||
| The charge for an unpaid direct debit mandate is £38.00. | |||
| CHAPS charge of £23 - Inter bank; £21 - Inter branch. | |||
| A charge of £10 is made for a stopped cheque. | |||
| The charge for an unpaid cheque is £38.00. | |||
| No charge is made for standard banking transactions on this account. | |||
Paid Referral Fee - Any items NatWest choose to pay, which result in an unarranged overdraft, will attract a paid referral fee. A charge of £30 for the day the transaction was debited (up to a maximum of £90 in a calendar month). Card Misuse Fee - If the customer uses their Natwest card when there are insufficient funds in their account and Natwest are obliged to pay the item, Natwest will charge the customer a £35 card misuse fee. | |||
| Account holders can use NatWest Servicecard or Cashcard in any NatWest cash machines or through almost all other UK cash machines. At a small number of cash machines in the UK, the owner of the cash machine may still charge a fee. The customer will be advised on the screen about any charges before they withdraw cash. | |||
| A charge of 2.00% (max £5.00) is made for ATM withdrawals using Cirrus. | |||
| There is not an interest free overdraft offered with transferred accounts. | |||
| The charge for a bankers draft is £12. | |||
| £10 is charged for a banker's reference. | |||
| Managers discretion - £4.00 min (if single item), £25 per hour of work. | |||
| The charge for duplicate statements is £2.50 per sheet (£5 minimum). | |||
| The charge for obtaining a special cheque clearance is £15. | |||
| Exchange rate transaction fee of 2.75% is applied for all transactions abroad. | |||
| No other charges are payable. | |||
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| Products: | www.natwest.co.uk Current Accounts | ||


