Spend your holiday euros or US dollars like a local.
Your holiday spending pot...
With Travel account, you can create a euro or US dollar holiday spending pot to use abroad with your existing physical or virtual debit cards, without any fees from us.
You can open a Travel account for free in our mobile app.
Available for existing sole account holders of eligible current accounts who are registered for mobile banking and are UK residents over 18. Limited to two Travel accounts per customer, one for euro and one for US dollar.
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Spend like a local in euro or US dollar, with no fees on purchases from us. Track your euro or US dollar spending in the app to help you budget your holiday pot.
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We won't charge you a fee for the first €/$200 in cash you withdraw from ATMs every 30 days. Local ATM fees may apply.
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Top up in app, 24/7. You can exchange pounds from your current account into your Travel account at any time and exchange back again too once you're home.
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Easy set up. Open and use a Travel account in the mobile app within minutes.
How Travel account works

Choose a currency
Simply select the currency you’d like to use to get started. Want both? You can open two Travel accounts, one for each available currency.

Top up your Travel account
Enter the amount you’d like to add, tap ‘Review’ to check the details, and you’re good to go. Your currency is ready to spend right away!

Keep track of your spending
View all your Travel account transactions separately from your current account right in the app to stay on top of your spending.



How Travel account works
Ready to travel smarter?
It looks like you're not on your phone at the moment.
If you already hold an eligible Natwest current account and want to add a Travel account, simply scan this QR code with your mobile phone's camera and we'll take you right to where you can get started in the app (help! I can't find Travel account).
Ready to travel smarter?
Thinking about opening a Travel account?
If you already hold an eligible Natwest current account and want to add a Travel account, just tap the link below and we’ll take you right to where you can get started in the app (help! I can't find Travel account).
Ready to travel smarter?
Thinking about opening a Travel account?
If you already hold an eligible Natwest current account and want to add a Travel account, just tap the link below and we’ll take you right to where you can get started in the app (help! I can't find Travel account).

Pay with your debit card in euro or US dollar with no fees from us
To use a Travel account, make sure you choose to pay in the local currency, not pounds, at a card terminal.
You can use your physical debit card or a digital wallet, like Apple Pay or Google Pay, with a Travel account.
If you run out of euros or US dollar, we will take the full transaction amount from your linked current account and fees may apply.

Withdraw up to €/$200 abroad every 30 days with no fees from us
You can withdraw more, but it will come from your linked current account and we'll charge our usual fee to withdraw cash abroad.
Remember to select euros or US dollar, not pounds, at an ATM to secure fee-free cash.
Local ATMs may charge their own fees.

Online shopping in euros and US dollars
Buying something online in euros or US dollars? Enjoy fee-free spend by using your Travel account with your linked debit card.
Some merchants may charge additional transaction fees online. If you run out of euro or US dollar, we will take the full amount from your linked current account instead and fees may apply.
Important Documents
Ulster Bank Northern Ireland Privacy Notice is available here.
The money in your Travel account is protected as part of the FSCS scheme.