EU residents hub page


Current Accounts for those living outside the UK but within the EU

Do you live in the EU, but outside the UK?

You could still be able to open a bank account with us. Start by having a look at the account we offer and decide if it is suitable for you.

To apply for our Foundation account you must be 18+ and an EU resident (living outside the UK).

As part of your application, you may be required to provide additional information and/or a signed declaration.  We will no longer be able to open any new accounts to customers in the EU after 31 December 2020 (currently only Foundation accounts are available to our EU customers) , therefore if we do not have all required documentation in time to enable us to process the opening of your account before then, we will not be able to open an account for you.  We will contact you to advise you if this happens.


Please also be aware that, at a point in the foreseeable future, we may have to withdraw certain products and services from our customers in the EU. We’re closely monitoring the situation and we’ll let you know of any changes.

Add your signposting title here… Our Foundation account

A simple account to help you take control of your finances. This account doesn’t have an overdraft facility or cheque book. No monthly fee.

  • Easy to use Mobile Banking app
  • 24/7 Anytime Banking
  • Visa debit card

The app is available to Anytime Banking customers with a UK or international mobile number in specific countries. Pay Your Contacts and Emergency Cash are only available with a UK mobile number, limits apply

Further information about account features


Pay your contacts-The ‘Pay Your Contacts’ option allows you to pay money to anyone using their mobile number and providing they have the NatWest, RBS, Ulster Bank, NatWest Offshore or Isle of Man mobile app. All you need to do is open your mobile app, click on the ‘Pay Your Contacts’ option, enter their mobile number, the amount you want to pay them and add a personal message. You can send up to £250 a day which is separate from your daily withdrawal and 'Get Cash' limits, and you must also have available funds to send from your account (including any overdraft facility). Pay Your Contacts is available for NatWest customers on Android, iPhone, BlackBerry10, Windows and Kindle app.


Emergency Cash- If you’re an online or telephone banking customers, you can access up to £300. If you’re not registered for these services, you can still get £60 to tide you over. You need to have the money in your account to withdraw it & you'll need at least £20 in your account to use the service. When you call we will ask some security questions, then provide a code that allows you to withdraw your money from any NatWest, RBS or Ulster Bank cash machine in the UK.


 ‘Get Cash’ function lets you withdraw money (up to £130 of your money per day) from RBS, NatWest or Ulster Bank cash machines.


 Pay Your Contacts, Emergency Cash and Get Cash are only available with a UK mobile number, limits apply


How to apply

How do I apply?

Download, print and fill in the ‘Current Account application form for EU residents’ below. Then send it along with the required ID documents to the address provided on the application form.

How can I prepare?

Download, print and fill in the ‘Current Account application form for EU residents’ below. Then send it along with the required ID documents to the address provided on the application form.

What happens next?

Once we've received your application, we’ll get in touch to let you know the account we can offer you.

Opening an account- key information

Please make sure you are:

  • Aged 18 or over
  • An EU resident (living outside the UK)

What you need to do:

  • Read the Important Documents below
  • Click on Apply Now and download the PDF to open the Current Account Application Form for EU residents


Once you have completed the application form you should print a copy, sign it and send along with the required ID documentation (listed below) to the address provided on the application form.


Please make sure that copies of any supporting ID documentation have been certified by a suitable official.


Guidance notes detailing the required ID documentation are contained within the application.


What happens next:

Once we have received and checked your completed application form we will contact you to advise you of the current account we are able to offer you. When you have confirmed you are happy to proceed with the account offered we will complete the account opening process and send your new account details.

Applying by post - documentation requirements


Documents required 

Please ensure all documentation requested is copied, certified and provided in accordance with the guidance notes below: 


We require details of your address for the past 3 years. Confirmation of address must relate to your residential address and contain your full name or initials and surname. If your confirmation document shows a PO Box address, please ensure it also evidences the residential service address being provided. 


You can use certified copies of one of the following documents to prove your identity: 


  • UK/EU/EEA Passport- a valid visa is required in addition for all other passports, or
  • UK/EU/EEA photo card driving licence, or 
  • EU/EEA National Identity Card (if applicable) 

You can use one of the following documents to prove your address: 


  • A gas/electricity/home telephone/water bill (which must be less than six months old and cannot be printed from the internet), or 
  • A mortgage statement (which is less than 12 months old and cannot be printed from the internet), or
  • A bank statement from another banking institution (which must be less than 6 months old and cannot be printed from the internet, or 
  • UK/EU/EEA photo card driving licence (providing this hasn't been used to prove your identity) 


Mobile phone bills and internet access bills will not be accepted. 


Please ensure that the address noted on the documentation provided to prove your address matches the residential address on your application form. 


Certification requirements


The below options can be used to certify copies of your documentation which should be personally presented to: 


  • A UK/EU/EEA Bank, or 
  • A lawyer or notary, or
  • An embassy, consulate or high commission 


ALL photocopies must be certified on each page using the following wording: 'Certified as a true copy of the original seen by me' and be signed and dated by the individual certifying your document. The certifier should record their full name, their position and the name of their firm or organisation and provide their contact details on the photocopies. For copies of photo ID, please also ensure that they are certified with the additional wording: 'true likeness'. 


Please ensure that any documentation and certifications that are not provided in the Roman/Latin alphabet have been translated on behalf of the applicant by an official translation service prior to submission. The name and contact details of the translation service must be provided. 




Ready to apply? Download an application form and get started
Apply now

Other accounts we offer in the UK

To benefit from any of the below fee-paying accounts, you need to be a UK resident, aged 18 or over.        They are not suitable for those living outside the UK. 

To see our full range of current accounts and relevant criteria, click here


£9 per month



£15 per month



£25 per month

Further information on insurance

All our travel insurance, car breakdown cover and home emergency cover is underwritten by UK Insurance Limited. Our mobile phone insurance is underwritten by Aviva.

Set Tab for lightbox