First time user

If you would like to use online banking to its full potential, you'll need to order a Card-Reader. This is quick and easy to do, simply log in to online banking and select 'Change Settings' and then 'Order Card-Reader'. Once you have activated your Card-Reader you will be able to pay bills, manage standing orders and direct debits, make payments to friends and much more.

If you didn't receive instant access to your accounts, then you will have received a Customer Number and under separate cover an Activation Code in the post

To activate the full version you need:

• Your Customer Number. A 10-digit number, which includes your date of birth.
• Your Activation Code. You'll receive this in the post shortly. Remember, it's valid for six weeks

Getting started with online banking is as easy as 1, 2, 3:

1. Go to log in (link in the top right-hand corner of NatWest.com)
2. Enter your 10-digit Customer Number
3. Tick the 'Activation' box

Then all you need to do is follow the on-screen instructions.

What to expect

First of all you need a new Password and PIN. You need them each time you log in so make them memorable, but not easy to guess. Try to use a different number to your Debit Card.

Your Password must be between six and 20 characters and can contain both letters and numbers.

We will only ask for random characters from your Password and PIN when you log in – this keeps you safer online.

Lost your numbers?

If you lose your Activation Code - or it has expired - simply re-submit your details.

If you have lost or forgotten your Customer Number, again just simply resubmit your details.

Need a helping hand?

Online banking should make life easier. But if you are having trouble, or you have a question, try our handy 'Got a question?' service.

Please read the advice and tips in our security section before you set up online banking.