Choose NatWest if...
- You want reward-style everyday banking.
- You value a strong mobile app.
- You want branch support as backup.
- You may use wider NatWest products.
Updated June 2026 - High street bank comparison
NatWest vs SantanderWhich should you choose?
NatWest and Santander both offer mainstream high street current accounts with reward-style features. NatWest is strong for app-led reward banking, while Santander often appeals to people who want cashback-style benefits on household bills.
Quick verdict
Pick NatWest if you want reward banking, a strong app and broad account support.
Pick Santander if you want cashback-style account benefits and broad everyday banking.
Choose Santander if...
- You want cashback-style account benefits.
- You pay household bills from your current account.
- You want branch and app access.
- You may use Santander savings or borrowing products.
NatWest vs Santander: side-by-side
| Category | NatWest | Santander | Edge |
|---|---|---|---|
| Best overall fit | Reward banking, app features and everyday current accounts | Cashback-style accounts, bills and broad everyday banking | Tie |
| Monthly fee | Standard and reward account options available. | Standard and paid cashback-style account options available. | Tie |
| Branch access | Large branch network, with app and online banking. | UK branch network with app and online banking. | Tie |
| Mobile app | Highly rated mobile app with spending and card controls. | Good app for day-to-day banking and card management. | NatWest |
| Savings | Linked savings and regular saver options may be available. | Savings and ISA options may be available. | Tie |
| Support | Branch, phone, app and online support. | Branch, phone, app and online support. | Tie |
| Extra products | Reward account, credit cards, loans, mortgages and business banking. | Cashback-style accounts, credit cards, loans and mortgages. | Santander |
Eligible deposits with UK banks are usually protected by FSCS up to the current limit, but brands can share licences. Read our FSCS protection guide before holding large balances.
Final verdict
NatWest is stronger for app-led reward banking, while Santander may suit people focused on bills and cashback-style benefits.
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