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A current account with extra benefits

To apply, you must be 18+ and a Jersey, Guernsey, Gibraltar or Isle of Man resident. Applicants from Gibraltar must be an existing customer. £18 monthly fee.

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For £18 a month, get more with gold.

• Arranged overdraft with preferential rates and an £100 interest-free buffer available (subject to status). 
• Credit interest on current account balances
• Travel insurance for you and your family, including winter sports cover
• 24/7 dedicated concierge service
• Private Motor Excess Insurance and car rental loss damage waiver insurance

Only available to Gold account customers. 

Why choose a Gold account?

Travel insurance in detail.

One of the primary Gold benefits is the travel insurance. The built in travel insurance offers comprehensive cover when travelling and includes winter sports cover.

If you experience difficulties while abroad, you have access to 24/7 emergency medical assistance. Wherever you are in the world, one simple phone call will provide you with instant help and support, day or night.

• Family cover includes you and your partner, plus any dependent children under age 18 at the start of the journey, (under 23 if they’re in full-time education). 
• Children must be living at the home address (or with the other parent), and be neither married or in a civil partnership.
• Your partner is the person you, the account holder, lives with at the same home address in a relationship, whether married or cohabiting.

Medical conditions

If anyone covered by the policy has a medical condition, you may need to pay an additional premium or accept that your cover may exclude certain conditions. 

For full details about exclusions and limitations please  read our insurance guides

For more information on how coronavirus (COVID-19) affects your Gold account travel insurance, please review our  frequently asked questions .

Emergency medical assistance and claims

If you are injured or ill while you are away, please contact us on:

Contact number until 16th July 2024

020 8763 3040

Call +44 (0) 20 8763 3040 from abroad

Using Relay UK? Call 18001 020 8763 3040

Contact number from 17th July 2024

020 3433 3988

Call +44 (0) 20 3433 3988  from abroad

Using Relay UK? Call 18001 020 3433 3988

email: [email protected]

Lines are open 24 hours a day, 365 days a year. Calls may be recorded.

Non-emergency claims

For non-emergency claims, please contact us on:

023 9267 6060

Call +44 (0) 23 9267 6060 from abroad

Using Relay UK? Call 18001 023 9267 6060

email: [email protected]

Lines are open 9am to 5pm, Monday to Friday. Calls may be recorded.

What the concierge service offers

NatWest International has teamed up with Ten, a leading lifestyle management company to bring Gold account customers a 24/7 concierge service.

Our members enjoy a whole host of exclusive dining, travel, entertainment and retail benefits that have been negotiated with world-leading brands by our team of specialists.

• Unlimited dining, travel and ticket requests
• Savings on flights departing from the UK with Ten’s partnered airlines including various long-haul destination flights with British Airways.
• Access to the experts at Ten concierge

How to get started with Ten

Call or email Gold membership services on:

+44 (0) 2392 676060

email: [email protected]

When emailing Ten concierge, please remember to include your full name and details of how they can help you.

Lines open Monday to Friday 8am to 8pm, Saturday 9am to 5pm. If you’re calling outside of these hours, please call 0207 479 3447.

Private Motor Excess Insurance

The insurance works alongside your existing car insurance. It covers the cost of your excess if you have to make an ‘at fault’ claim where the damage to your vehicle is greater than your excess limit. Should you need to make a claim on your car insurance, you pay your excess as normal and then claim it back. Cover is available for persons who own and insure their private motor vehicle. £3,000 is the limit under the policy.

To notify the insurer of a claim:

Policy number: NWI - PME

Membership Services:  02392 676060 Monday to Friday 9:00am - 5:00pm

email:  [email protected]

You must give all information or help that you are asked for. Further details of how to claim are included in the policy document.

Car Rental Loss Damage Waiver Insurance

£50,000 (or equivalent in local currency incurred as a result of damage, fire, vandalism, theft of use of the rental vehicle. £20 per day (up to a maximum of £200) if the car rental is cancelled or cut short on the advice of a physician. £200 to pay for drop-off charges incurred through the car rental station following an accident or illness. £50 for calling out a locksmith if a named beneficiary unintentionally locks their keys in the rental vehicle.

Policy Number: NWI - LDW

Membership Services:  02392 676060 Monday to Friday 9:00am – 5:00pm

This insurance provides cover for rental periods of up to 31 days. Cover is available for persons aged 21 to 84, at the time when the car rental booking is made.

Only available to Gold account customers. Private Motor Excess Insurance and Car Rental Loss Damage Waiver Insurance provided by AWP P&C SA and administered in the UK by Allianz Global Assistance.

Switch your account to us

The Current Account Switch Service makes switching from one bank or building society to another simple and stress-free. You can choose a switch date to suit you, just make sure you allow a minimum of 7 working days.

The Current Account Switch Service is not available for accounts held in Gibraltar.

Important information

We recommend that you read these documents before contacting us to start the switch.

• Current Account Switch Guarantee (PDF, 40 KB)

Day to day banking from your screen

Online banking

Manage your finances 24/7

Online banking is a fast and secure way to manage your everyday finances with features including:

• Make sterling and international payments
• Manage your Direct Debits and standing orders
• Create text alerts and more

Online banking available to customers aged 11+ with a NatWest International account.

Banking any time

Banking has never been so convenient with our simple mobile banking app.

• Get cash without your debit card
• Transfer money and make payments
• Find your nearest branch or cash machine and more

App available to customers aged 11+ with compatible iOS and Android devices and a Channel Islands, Isle of Man, UK or international mobile number in  specific countries .

Common questions about insurance cover and benefits

How has the coronavirus (covid-19) pandemic affected the gold travel insurance.

Working with our Travel Insurer provider Allianz we have made improvements to your travel insurance cover for claims arising from epidemic or pandemic diseases.

For more information on how coronavirus (COVID-19) affects your Gold account travel insurance, please review our  frequently asked questions .

Who can I contact about a claim on the Gold travel insurance?

Policy Number: TRVNGOLD

Key information about your Gold travel insurance (PDF, 59 KB)

020 8763 3040 Call +44 (0) 20 8763 3040 from abroad

Lines are open 24 hours a day, 365 days a year

Lines are open 9am to 5pm, Monday to Friday

Only available to Gold account customers. Gold travel insurance is underwritten by AWP P&C SA and administered in the UK by Allianz Global Assistance.

How do I get Concierge assistance?

Email Ten concierge: [email protected]

Call our Membership Services:  +44 (0) 2392 676060

Lines open Monday to Friday 8am to 8pm, Saturday 9am to 5pm.

If you’re calling outside of these hours, please call 0207 479 3447 .

How do I make a claim on the Private Motor Excess Insurance or Car Rental Loss Damage Waiver Insurance?

Membership Services:  02392 676060 Monday to Friday 9:00am – 5:00pm

email:  [email protected]

Membership Services:   02392 676060 Monday to Friday 9:00am – 5:00pm

Ready to apply?

Before you apply, we've outlined the eligibility for the account below, along with our terms and conditions so you can make sure it's the right account for you.

You can apply for a Gold account if you are:

• permanently resident in Jersey, Guernsey, Gibraltar or the Isle of Man, and;
• applicants from Gibraltar must also be an existing customer.

Please review our important information about the account

By clicking continue you’re confirming that you’ve been provided with, and have acknowledged our important documents. By proceeding with your application you also agree that you’ll receive your statements in a paperless format. We'll send you an email when your statements are ready to view in Online Banking.

• Personal Banking Account Terms and Fees (PDF, 293 KB)
• Fee information document for Gold (PDF, 161 KB)
• Current account interest rates (PDF, 54 KB)

Insurance product information for our Gold account

We're making some changes to Gold account travel insurance on 16th August 2021. Please review the following documents to ensure our policies fully meet your needs and the cover is right for you.

• Insurance product information (PDF, 211 KB)
• What you need to know about the insurance cover (PDF, 56 KB)
• Key information about Gold travel insurance (PDF, 58 KB)
• Private excess motor insurance & car rental loss damage waiver guide (PDF, 188 KB)
• Travel insurance guide (PDF, 303 KB)

How your information might be used

It's important for you to understand how we use and share your information. Please read this short summary  before you continue with your application.

Let's get started...

To speed up your application, we need to run through some quick questions with you. They'll only take a few minutes.

Start your application now

Just a heads up - we'll ask you to log in to your Online Banking at the next step.

Get your online application started by clicking 'Start your application' below.  The full name you put on this form must exactly match the one on the photo ID you'll use to apply.

After you’ve finished your online application you’ll receive an email or secure inbox message within 2 working days asking you to:

• Complete our Customer Acceptance form, and;
• Upload your identity documents digitally.

Once we have everything, we’ll open your account and send your new account details to you within 5 working days.

Great, you're ready to apply

Get your online application started by clicking 'Start your application' below. The full name you put on this form must exactly match the one on the photo ID you'll use to apply.

Applying for an account with us

We’re sorry – at this time we’re currently not opening accounts for new customers located in Gibraltar. 

This account is currently only available to applicants located in Jersey, Guernsey, Isle of Man or Gibraltar. 

Our International Personal Banking service is available to customers that meet our minimum age, residency, balance and/or deposit requirements.

Find out more about International Personal Banking

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NatWest teams up with Allianz Partners to bolster travel insurance offering

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’We look forward to delivering peace of mind to NatWest Group’s customers,’ says chief sales and distribution officer

NatWest Group has appointed Allianz Partners to provide travel insurance to customers holding packaged bank accounts, a statement released today (18 January 2024) said.

Read:  Surge in cruise passengers claiming for missed port incidents

Read:  Blink Parametric rolls out flight disruption solution to travel insurance brand

Not subscribed?  Become a subscriber and access our premium content

Explore more  travel insurance-related content here  or discover other  news stories here

The deal will see the insurer leverage its digital offering to provide the bank’s customers with access to a range of online services.

It will do this through the Allianz Assistance hub, which will be integrated with the bank’s online banking app.

The hub will allow customers to manage their cover, purchase additional policies, seek assistance and track claims.

”Our digital innovation, combined with the human touch, has enabled us to broaden our share of the UK travel insurance market and this collaboration exemplifies our customer focus and commitment to provide exceptional insurance products and services, embedded within our business partners’ products,” Marcus Latchford, chief sales and distribution officer of Allianz Partners UK and Ireland, said.

“We look forward to delivering peace of mind to NatWest Group’s customers.”

The deal came following Allianz Partners’ partnerships with Coutts, RBS International and Isle of Man Bank.

Read:  Staysure Group appoints new chief executive

Read:  Personalised cover key for UK travel insurance customers – Cover Genius

The new partnership spans NatWest Group’s wider family of banking brands including NatWest, Royal Bank of Scotland and Ulster Bank.

Customers will have access to Allianz Partner’s travel insurance from February 2024.

Barry Connolly, managing director of every day banking at NatWest, said: “Travel insurance is one of the benefits that our packaged account customers tell us they value the most.

“We’re really pleased to be working with a global, long-standing trusted partner to enhance the experience customers have when taking out the product and tracking their claims, giving them greater peace of mind .”

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Natwest travel insurance: protecting you and your travels.

Travel insurance is necessary when you are planning a trip abroad. It provides you protection against unforeseen scenarios and losses you might suffer on a trip and give you the financial means to deal with it. If you are looking for reliable, comprehensive and affordable travel insurance, then NatWest Travel Insurance is a popular option. In this blog, we’ll cover what NatWest Travel Insurance, what coverages and policies it provides, and most importantly, if it’s the right travel insurance provider for you. 

What is NatWest travel insurance?

NatWest Travel Insurance is a product offered by NatWest, a popular UK-based bank that offers a variety of financial services to customers. Like most leading travel insurance, NatWest travel insurance is designed to protect policyholders against unexpected events that might occur during a trip or a holiday. 

Travel insurance by NatWest can be bought as a part of their packaged bank account. The company offers a range of covers, including single-trip, annual multi-trip, backpacker, and winter sports. Read on to find out about these covers in detail and how you can get NatWest travel insurance as a part of their packaged bank account. 

Covers offered by NatWest travel insurance

NatWest offers a range of travel insurance covers to suit the diverse travel needs and budgets of its customers. Here are the main types of coverages that you can avail from NatWest: 

NatWest Single-Trip Travel Insurance

NatWest’s Single-Trip Travel Insurance is for those who travel less and far in between. The policy covers a single trip, usually up to 90 days in duration. The policy covers medical expenses, cancellation, personal liability, baggage loss, and travel delays. 

NatWest Annual Multi-Trip Insurance

NatWest’s Annual Multi-Trip Insurance is for those who frequently travel throughout the year. This is a cost-effective way of securing your travels, where you buy a collective plan instead of paying for each trip separately. This policy covers an unlimited number of trips during the year. Your trip duration can be up to 31-45 days at the maximum, depending on the policy you choose. 

NatWest Backpacker Travel Insurance

If you are taking a gap year or want to travel for an extended period of time, then this cover will be the right choice for you. Whether you are taking a gap year or on a mission to travel around the world, NatWest will tailor the policy to your needs. The policy cover trips for up to 18 months, where you can avail protection against medical emergencies, trip cancellations and personal liability. 

NatWest Winter Sports Travel Insurance

Winter sports like skiing and snowboarding are popular amongst travellers. They are not only exhilarating but also bring you one of a kind experience. If you are planning on participating in this excitement on your next trip, then NatWest’s Winter Sports Travel Insurance is meant for you. This policy offers you additional coverage for winter sports equipment, ski passes and piste closure.

NatWest Bank Accounts for travel insurance

NatWest offers three types of bank accounts: Silver, Platinum and black. Each of these accounts comes with travel insurance coverage as well as additional benefits such as mobile insurance, car breakdown coverage and airport lounge access. Find the details of the travel insurance cover under each account below. 

1. NatWest Silver Travel Insurance

The NatWest Silver account comes with Silver travel insurance which provides cover for the usual, including cancellation or cutting off your trip earlier than planned and medical emergencies and treatment. For medical expenses, you can get up to £10 million in cover, and for cancellations and curtailment, you can get up to £5,000. You can also avail of additional benefits for an added cost like baggage loss or travel delay.

As we mentioned earlier, you can also get a mobile phone cover of up to £1,500 for repair or replacement. Another cover that the NatWest Silver account provides is the car breakdown cover that includes roadside assistance and recovery in the UK & Europe. 

2. NatWest Platinum Travel Insurance

The NatWest Platinum account comes with Platinum travel insurance but with higher levels of coverage for medical expenses, cancellations and curtailments. The policy includes up to £10 million for medical expenses and £10,000 for cancellations. The policy also includes a cover of up to £2 million for personal liability and £50,000 for personal accidents. 

Coming to mobile insurance, which covers loss, theft or accidental damage, you can avail of up to £2,000. Like the Silver account, you will receive car breakdown cover and additional lifestyle benefits like discounts on travel and entertainment. 

3. NatWest Black Travel Insurance

The NatWest Black account comes with Black travel insurance with the highest levels of coverage for medical expenses, cancellations and curtailments. The policy includes up to £15 million for medical expenses and £20,000 for cancellations. As for the cover for personal liability and personal accidents, you will get up to £2 million and £100,000, respectively. 

The mobile phone cover is also more in NatWest Black travel insurance, summing up to £2,500. As a standard, this policy, too, includes car breakdown cover along with other benefits like airport lounge access and discounts on travel and entertainment. 

NatWest is a premium travel insurance provider that offers comprehensive policies and covers, leaving no stone unturned. The level of coverage and benefit you receive will depend on which cover you have invested in. Before you sign up for any of their covers, make sure to read the fine print carefully so that you are not blindsided. For more information on travel insurance, visit Tripcoloumn. 

Do I need to register for travel insurance?

NatWest account owners don’t have to register for travel insurance as they are already covered. If you want to extend your cover to include pre-existing medical conditions, then connect with NatWest’s support team, as that might require some additional costings. 

Do I need to inform NatWest about my travel plans? 

No, you don’t have to inform NatWest about your travelling plans. If you have one of their bank accounts – Silver, Platinum, or Black, then you are already covered by your travel insurance. 

How can I make a claim?

To make a claim for your NatWest travel insurance, you can log in to Membership Services and complete the online form. This is where you can manage all your account details. You can also call the NatWest support team for further assistance. 

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Safe Travels

Incredible journeys and memorable getaways are all more enjoyable when you’re protected against the unforeseen.

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World Travel Protection

Emergency Travel Assistance Anywhere in the World

Emergency Assistance Plus® (EA+®) is an annual membership that provides cardholders with protection anytime they travel. Whether they’re thousands of miles away or merely a short road trip from home, EA+ members take with them the peace of mind knowing that should a medical emergency arise, there’s a team of highly skilled professionals at the ready to ensure they are receiving proper medical care and are provided necessary transportation home.

• Emergency Medical Evacuation:  If you need specialized medical treatment at a more advanced hospital, EA+ will arrange ground or air ambulance transportation.
• Transportation Home:  When your condition improves and you’re ready to leave the hospital, EA+ handles all the travel arrangements to get you home.

Sharon and Joe B., Florida

Slip and Fall Requires Air Ambulance Home

“All of you at Emergency Assistance Plus were there not only for Joe, but for me. I wanted to go home and felt I would be lost in Spain forever. They listened to me cry and comforted me by telling me I was not alone, and help was on the way, and I would not be left. I had a very emotional time with all of this. I can’t tell you enough how comforting all of you were to me.”

For more than 25 years, EA+ has provided almost 2 million travelers with global emergency travel assistance that’s available 24 hours a day, 365 days a year. The EA+ network of emergency professionals understands that there’s a strong human element at the core of every member emergency.

Member Center

When an emergency does occur, it can be overwhelming to know what you need to do or what’s covered. Here, we provide you with a list of FAQ’s, emergency numbers, and an overview of what you can expect when you need to take advantage of your EA+ services.

The DNA of Emergency Assistance Plus not only explains its significance, it also qualifies why the program is so valuable.

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Transportation Home

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Without Boundaries

Protection is guaranteed, whether traveling domestic or abroad

Decades of experience protecting travelers

Partner Discounts

Emergency Assistance Plus is the travel assistance solution chosen by local and national affinity clubs, airline loyalty programs, professional organizations, auto clubs and alumni associations. Through these partnerships, members gain access to exclusive savings when they purchase EA+. Find out if your favorite organization is an EA+ partner.

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ASI Offers New Travel Assistance Product

Emergency Assistance Plus (EA+) is a travel assistance product that provides valuable and reassuring medical assistance for those who get sick or hurt while traveling away from home in the U.S. or abroad, including medical evacuation, medical assistance, assistance for companions or pets, auto retrieval and travel assistance.

Available to NASW members and their families, EA+ offers a 24-hour year-round toll-free number to call for help when it’s needed most, no matter where in the world you are.

This valuable EA+ program gives NASW members and their families these crucial services and much more…

• What if you get hospitalized hundreds of miles from home and can’t drive your vehicle back? EA+ will arrange to have your car driven home .
• What if you’re hospitalized following an accident and due to medical necessity have to be transported to a different facility that may be miles away? EA+ will pay the expense necessary to get you to the most appropriate facility.
• What if your wallet is lost or stolen while you’re traveling? EA+ will arrange to have funds transferred right away to get you back on your feet.
• What if you need emergency dental care while you’re traveling? EA+ offers a 24-hour locator service that will help you find a professional, competent dentist in the area.

Visit our insurance benefits website for more information, complete benefits, rates, and terms, online enrollment or to obtain a printable application .

For questions or enrollment assistance, NASW members simply call 877-318-9605 .

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Russia's Nuclear Deterrent Command Center Imperiled by Winter Freeze—Report

A Russian nuclear deterrent command center in Moscow has been imperiled by power outages that have impacted more than one-quarter of the region's cities amid freezing temperatures, a Russian Telegram channel has reported.

The VChK-OGPU outlet, which purports to have inside information from Russian security forces, reported that the 820th Main Center for Missile Attack Warnings—part of the Russian Space Forces, a branch of the country's Aerospace Forces—near Solnechnogorsk in Moscow is without power.

It serves as the space forces early warning network against potential ballistic missile attacks.

The development comes as Russians are reported to be suffering from power outages in their homes in the Moscow region caused by technical issues at plants amid subzero temperatures.

On January 4, a heating main burst at the Klimovsk Specialized Ammunition Plant in the town of Podolsk, which is about 30 miles south of central Moscow. Since then, tens of thousands of Russians are reported to have no heating in their homes.

Affected areas include the cities of Khimki, Balashikha, Lobnya, Lyubertsy, Podolsk, Chekhov and Naro-Fominsk, a map published by a Russian Telegram channel and shared on other social media sites shows.

Other Russian media outlets reported that in Moscow, residents of Balashikha, Elektrostal, Solnechnogorsk, Dmitrov, Domodedovo, Troitsk, Taldom, Orekhovo-Zuyevo, Krasnogorsk, Pushkino, Ramenskoye, Voskresensk, Losino-Petrovsky and Selyatino are also without power.

The Telegram channel said that at the 820th Main Center for Missile Attack Warnings, "the crew...is on duty around the clock."

"It is here that the decision on a retaliatory nuclear strike is executed," the channel said.

• Russia maps show 25% of Moscow without power amid winter freeze "emergency"
• Serbian mercenary turns on Russian leaders: "They treat us like cattle"
• Winter freeze threats come back to bite Russia as power outages spread

Newsweek could not independently verify the report and has reached out to the Russian Defense Ministry by email for comment.

Power outages have also been reported in Russia's second-largest city, St. Petersburg, in the country's western Voronezh region, in the southwest city of Volgograd, and in Rostov, which borders Ukraine, a country that Russia has been at war with since February 24, 2022.

On Sunday, two shopping malls in St. Petersburg were forced to close because of problems with light and heating, reported local news outlet 78.ru. Hundreds of other homes in the city have had no electricity, water or heating for days amid temperatures of -25 C (-13 F).

Russian authorities have also been forced to compensate passengers of a train that ran from Samara to St. Petersburg (a 20-hour journey) without heating during -30 C (-22 F) temperatures. Videos circulating on social media showed carriage windows frozen over. A passenger also said the toilet didn't work during the trip because of frozen pipes.

Do you have a tip on a world news story that Newsweek should be covering? Do you have a question about the Russia-Ukraine war? Let us know via [email protected].

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About the writer

Isabel van Brugen is a Newsweek Reporter based in Kuala Lumpur. Her focus is reporting on the Russia-Ukraine war. Isabel joined Newsweek in 2021 and had previously worked with news outlets including the Daily Express, The Times, Harper's BAZAAR, and Grazia. She has an M.A. in Newspaper Journalism at City, University of London, and a B.A. in Russian language at Queen Mary, University of London. Languages: English, Russian

You can get in touch with Isabel by emailing [email protected]  or by following her on X @isabelvanbrugen

To read how Newsweek uses AI as a newsroom tool, Click here.

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Explore topics for help with your product, business account.

My personal and business accounts are now displayed separately, why?

How do I order a cheque book or paying-in book using Online Banking?

How do I pay in a cheque or cash to my current or business account?

How long does it take for a cheque to clear in my account?

How do I pay in a cheque if I’m self-isolating?

Credit card

How can I do a balance transfer to my credit card?

Can I transfer cash from my credit card to my bank account?

How do I close my credit card account or cancel my credit card?

How do I pay my credit card using Online Banking?

Current accounts

How do i open an account.

How do I close an account?

How do I redeem my MyRewards?

How do I set up a standing order?

How do I cancel a direct debit?

Foreign currency

What is the current rate of currency conversion and how do I order foreign currency?

How can I bring all my debts into one place?

How do I close my loan account?

How do I apply for a personal loan?

What is an Income & Expenditure form?

Can I make an extra payment on my loan?

How do I book an appointment with a mortgage advisor?

Can I get a NatWest mortgage?

How do you check your mortgage balance?

Is there an early repayment charge if I switch to a new mortgage deal?

Private banking

How do I book an appointment with my Premier Banking Manager?

When do I contact my Premier banking manager or call Premier 24?

How can I increase or decrease my overdraft limit?

How do I apply for an overdraft?

How much will an unarranged overdraft cost?

Rooster Money

What is the NatWest Rooster Money offer?

How do I sign up to NatWest Rooster Money and what do I need?

How do I get the free subscription to Rooster Card?

How do I pay money into the NatWest Rooster Money account?

Can I see NatWest Rooster Money in my NatWest app?

Where can I find more information on my Child Trust Fund (CTF)?

What is a combined interest rate?

What are your interest rates?

What is a savings goal?

What is Gross interest?

Our accounts are designed to suit the needs of our customers, whether you need a joint account or you’re under 18. It’s worth noting that depending on if you’re a new or an existing customer, the time it takes to open an account may vary.

Handy guides for help with your product

Opening a bank account.

If you've got your proof of identity and proof of address documents ready, you can apply for a bank account online today.

Help with mortgages

Take the first step in buying your first home and see how much you could borrow today.

Help with paying in cheques

You can now pay in your cheques anytime anywhere with the NatWest app.

Give your kids a head start with the Rooster prepaid debit card for kids.