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220 Reviews
  • Savings goals
  • Multiple ISAs with help to buy
  • none
  • always tedious to deal with
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    220 Reviews
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    • More +
      11.06.2016 14:00
      Very helpful
      (Rating)

      Advantages

      • "Easy to use app"
      • "Quick service "
      • "Multiple ISAs with help to buy"

      Disadvantages

      • "Not the best interest rates"

      Good customer service and split help to buy isa

      I have always banked with Natwest and never had an issue with my accounts or their service. They have always dealt with my enquires very well and their online banking and app is very efficient and easy to use. I have recently set up a help to buy ISA alongside my current isa with a split interest and allowance. This was very quick and easy to do and the order was completed with two days. Not all accounts offer a split ISA with help to buy which is why I stayed with them as it allows me to save to buy a house as well as save benefit from the government scheme. This option doesn't offer the best interest rates however it does offer you more saving capacity which for saving for a house is important.
      By going on their website you are also provided with lots of helpful comparison tools to help you select the right account for your needs and also help you calculate how much you can earn/save.
      Overall I believe their service is well delivered online. In store this can be less efficient however I do live in a busy city centre so my local bank serves personal and business customers.
      Customer service isn't terrible though and their self service machines make paying in cash and chequers much faster than queuing to see a person. Usually you have to wait a little longer for customer advice and services however the staff are always helpful and efficient once served. Overall an easy, simple bank for a no fuss way of banking.

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      20.04.2016 17:13
      Very helpful
      (Rating)

      Advantages

      • "live chats"
      • "great banking app"
      • reliable
      • "friendly staff"
      • "convenient "

      Disadvantages

      • none

      excellent bank, definitely recommend

      I opened a Natwest current account a while back and honestly it is the best bank. I wouldn't go anywhere else.

      I thinks it is very trustworthy and recently i opened up a savings account with them too. The Natwest app makes banking a whole lot easier and i can make transfers from my current account to my savings account so quickly it is unbelievable. Also the app is very easy to use and understand which can make anyones life a lot easier really. i did have a bank account with the co-op and to be really honest nothing compares to Natwest. The customer service in the Natwest branches is amazing everyones so kind and helpful and they get things done as quickly as possible, even online and over the telephone. I think ill be staying with them for the rest of my life because i trust them and until something happens to change that i will continue to trust them.

      I would thoroughly recommend this bank to anyone who is opening one, whether you are young or looking to change banks. I have been recommending the bank yo my friends and family and most have gone with my recommendation.

      I as of yet have no experience with taking out loans or having a credit card with them so i cannot comment on those areas of the company but other than that i think the way forward it to use Natwest banking. I think the majority of the Natwest customers would agree with me too.

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      25.02.2015 12:44
      Very helpful
      (Rating)

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      Disadvantages

      Great customer service, great banking app

      Me and my partner have our main joint current account with natwest and we haven't had any problems yet.

      Customer service in the natwest branches is great. There is always someone at the front of the branch to greet you and to see if you need help. They're very helpful if you need any help at all with anything. They helped me see one of the workers about downgrading our account, we were seen within 5 minutes and it was easy to downgrade, no questions asked.

      The branches have a lot of different machines available; cash machines, machines where you can put cheques and cash into your account without going to the counter and money machines where you put in your pennies and it counts them to put in your account.

      Their banking app is excellent, so easy to use! Just type in a pin and there you go, your bank balance but more recently I've been able to use my fingerprint sensor on my phone to access my account instead of putting a pin in, which I think is a great addition to the app and certainly makes it easier and quicker to access. However I do question whether this banking app is as safe as other ones i use.

      If you need to transfer money you need a calculator type thing that you insert your card into and put your pin in. To be honest I think this is faffy and a bit too over the top, with other banks you don't need this and transferring is easy. However I have to admit, it's safer the way that natwest do it but I do wish it was a bit easier. At least if someone got your card or online details they wouldn't be able to transfer it without the calculator thing.

      Definitely recommend this bank to everyone, great customer service.

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      12.10.2014 21:43
      Very helpful
      (Rating)

      Advantages

      • "good service"

      Disadvantages

      • none

      bank service ,thumbs up

      I opened my account back when I started University. I have consistently found their customer service excellent whether in branch, over the telephone or on the internet. Staff are friendly, mine don't have to wait too long and the coin machines are amazing for loose change! Within the telephone, mine've only had to telephone a few times but they've been understanding and helpful. Online banking is not truly difficult, with accounts being easy to manage and keep track away, even if you've a few.

      When finishing Uni, my student account became a Graduate accounts which has been actually helpful in adjusting to the "real world". The overdraft slowly reduces annually to gradually get you out from the overdraft, but without any ugly fees as long as you keep inside the limit (for me, it was GBP2000 in my first year, GBP1000 in my second year and GBP500 in my third year.) This was really easy, particularly when first starting work and becoming used to budgeting that is real!

      I also opened a savings account which for the initial year had a decent rate of interest (considering the rates at the moment!) Nevertheless, I am not really using this anymore as the interest has dropped drastically. Saying that, the "savings aim" tool is really useful in planning how much you could save in a set period of time, and letting you understand if you're on course to achieving it. This also supported mine to save more, as I wanted to "beat my goal".

      One thing I want to see more of are some "devotion perks" for being with them to get a set time period - it is a shame that there don't seem to be any of these.

      Mine would recommend Natwest to anyone, especially if considering a pupil account, as the have been extremely good for me. Nevertheless, mine would only check what the now have on offer, as a bit can have changed since my student days!

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      29.09.2014 22:54
      Very helpful
      (Rating)

      Advantages

      • "Excellent Student Account"
      • "Savings goals"
      • "Easy to use online banking"
      • "Good opening hours"
      • "Lots of branches around"

      Disadvantages

      • "No "loyalty" perks"

      Great bank, excellent service and easy to use.

      I opened my account with Natwest back in 2009 when I started University. They offered the best Student Account on the market I think back then, with up to £2000 interest free overdraft over the 3 years of study, and a free railcard for 5 years - mine expired this month! :( I'm not sure if they still offer these perks so it might be worth a look.

      I have always found their customer service excellent whether in branch, over the phone or online. Staff are friendly, I never have to wait too long and the coin machines are brilliant for loose change! Over the phone, I've only had to phone a couple of times but they have been understanding and helpful. Online banking is really easy, with accounts being easy to manage and keep track off, even if you have a few.

      When finishing Uni, my student account became a Graduate account which has been really helpful in adjusting to the "real world". The overdraft slowly reduces on a yearly basis to gradually get you out of the overdraft, but without any nasty fees as long as you stay within the limit (for me, it was £2000 in my first year, £1000 in my second year and £500 in my third year.) This was really handy, especially when first starting work and getting used to real budgeting!

      I also opened a savings account which for the first year had a decent interest rate (considering the rates at the moment!) However, I am not really using this anymore as the interest has dropped dramatically. Saying that, the "savings goal" tool is really useful in planning how much you could save in a set amount of time, and letting you know whether or not you are on track to achieving it. This also encouraged me to save more, as I wanted to "beat my goal".

      One thing I would like to see more of are some "loyalty perks" for being with them for a set time period - it's a shame that there don't seem to be any of these.

      I would recommend Natwest to anyone, especially if considering a student account, as they have been really good for me. However, I would just check what they currently have on offer, as it may have changed a bit since my student days!

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      11.09.2014 14:09
      Very helpful
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      Reasonable high street bank

      I think that NatWest was the first proper bank account that I opened. I went with NatWest because my mum, dad, and sister all had accounts with NatWest and it was pointed out to me that all NatWest banks are in really nice posh buildings!

      I have had a student / graduate account with NatWest and a current account. The annoying thing about having 2 accounts with NatWest is that the bank cards look identical. I have asked if they can issue different cards so that I can tell them apart but apparently this is not possible.

      I have found that NatWest’s online banking is really good and easy to use. This is the first online banking service that I had ever used and I was surprised at how easy and useful it was.

      I had no idea that you could use online banking to reduce your overdraft. I did not see any details of this anywhere and a colleague at work told me that you could do it online. As soon as I figured out how to do this it was easy and simple and I ended up getting rid of my overdraft loads quicker than I would have done if this facility were not available online.

      The main negative points that I have with NatWest is their opening times and their constant want to sell you products. My local NatWest used to not open on Saturdays and closed early on Fridays. This made it completely impossible for me to go there but I do believe that this has changed now.

      Also NatWest used to phone me all the time and try to get me to arrange a meeting with them. I was always told that this was ‘In my best interest’, it really wasn’t! They just wanted the opportunity to try and pressure me into buying insurance and other products through them.

      Overall I think that NatWest is ok and probably about as good as all other high street banks, no better and no worse.

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      15.03.2014 23:28
      Very helpful
      (Rating)

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      Disadvantages

      A great trustworthy bank.

      ***Student Accounts***
      I opened an account with NatWest when I became a student 5 years ago. I was looking for a great deal on a student account. I had always held a current account with Halifax but they couldn't offer me anything for opening a student account when I was looking. NatWest offered me the choice between a 5 year rail card for free or a webcam to chat to parents at home. The offers really were fitting of what a student would want. I chose the rail card so I could travel to and from Uni and home. I was able to use the rail card 2 years ago I left Uni, until I was 25 when it expired. My student account came with an agreed overdraft with 0% interest.

      Since graduating, they have a three year step programme in order to help graduates pay off their overdraft which was really helpful. It meant that rather than having to pay it all off at once, I could slowly pay it off without incurring interest.

      ***Communication***
      I now have a savings account, credit card & current account with NatWest. I have been able to open my additional accounts easily either in branch or online. Their website is very easy to use & there are many ways to contact a member of staff. I use their chat service to contact staff members, because I love having written down communication. They will always provide the best help and offer to stay on the line til you have completed the application.

      I use the mobile app to keep a track of my accounts with ease. I can see a statement, available balance & overdraft status meaning that I rarely go over my overdraft because I am always aware of outgoing payments.

      I have never been a victim of fraud (touches wood) nor have I ever had an issue with Natwest so I can't comment on how well Natwest deal with complaints.

      ***Products***
      NatWest are always the first to communicate when they have a product that they think is best for you, not just offer you everything. They try to tailor their product suggestions to the person, which makes you feel supported in your banking.

      ***Conclusion***
      I have recommended NatWest to other people before who did open an account with NatWest. People do tend to stick with one particular bank and I think I have that feeling with NatWest. I have had other banks in the past, but I am happy to stay with NatWest.

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      14.08.2012 11:27

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      A top class bank with excellent online banking facility

      I am not biased to admit that NatWest is the best bank in the UK when it comes to do safe online banking. I always enjoy doing online banking at its user-friendly and customised web pages. I opened my first ever bank account in the UK in December 2005 with NatWest. It was a student account and my joy was endless when I received my NatWest solo debit card a few days letter by post after opening the account in a branch office of the bank located in Central London. I was happy to be able to withdraw money with my debit card whenever I chose to, pay for goods and etc. However, soon I realised that it was not much convenient having a solo debit card. But I have to admit that this card has saved me hundreds of pounds too as it would not be accepted by certain sites online and at many high street stores.

      NatWest has charged me on a few occasions for going overdrawn and it always turned down my requests to not apply fines. Yet, I have always felt at ease banking with NatWest. The bank strictly follows its rules and policies which I believe is a good thing. They do not offer overdraft facility and credit cards easily as most other top banks in the UK and credit card providers do. I have never had any problem with my money with this bank. I have bank accounts with all major UK banks and I have got Visa and Maestro debit cards with overdraft and check guarantee facilities. I have got credit cards from reputed banks. Yet banking with NatWest has always been a pleasure except a few disappointing experience. A customer service adviser once upgraded my current account without telling me that it would incur charges every month. I had to pay some £9 or so per month for a few months before I downgraded my account.

      I have used my NatWest solo debit card successfully abroad many times and it was fast and quick to withdraw money. I think NatWest is not a great lender that is why I have not got any credit card from the bank. I am lucky though for not being able to get any credit facilities from them, after all it would not be my money eventually.

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      08.07.2012 13:57
      Very helpful
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      I am happy and confident banking with Natwest

      I opened my first bank account with Natwest when I was 11. It was called the solo account back then and I got my own debit card which made me feel very grown up. I opened it with £30 and my parents chose the account because it has no fees, no overdraft and no cheque book. It is now called the step account I believe.

      10 years on and I haven't moved from Natwest. I have since upgraded my account to a student account and opened a further savings account to keep some money saved by for when I graduate. I see no need to leave Natwest and here's why:

      =The Pros=

      The website is excellent - very easy to use and I've never experienced any problems. They give you plenty of warning if there's going to be site maintenance. Security is tight without being annoying. They work with Rapport software to ensure safety. Their mobile app is also really really good - you can connect anywhere to see your balance and make transfers to existing payees.

      The card-reader is a gadget you use on the website to set up transfers and payees. It means you can only set up a new transfer or payee if you are in possession of your debit card. This means if, somehow, somebody hacks into your online banking, there's not a whole lot they can do except move money between your own Natwest accounts!

      There are branches everywhere - some banks are not found all over the country and I like that whatever city I'm in, there's likely to be a branch.

      I have rung them up before (with, what it turns out, was a ridiculously stupid question) and they answered quicker than I have found with other big companies. There was a British person on the other end who answered my question quickly and efficiently. Great phone service!

      In-store the staff are really friendly - always happy to help, especially with the electronic coin machines I mentioned above. The queues don't seem to be unacceptably long; there's always enough staff around.

      Their Natwest secure (as much as I hate it!) is great for online purchases. Every time I make a purchase with my debit card online it opens up a screen in which I must enter 3 characters from a password I have chosen specifically for this purpose. It means it is less likely that fraudulent purchases can be made with my card. The only trouble is that I always create a really complicated password to keep it secure, and never remember it when I need to make a purchase.

      =The Cons=

      Recently there was a big problem with Natwest. Money was not showing up in people's accounts and transactions not being displayed. This was a technical error that was fully resolved - nobody was actually missing money, it was just taking time to show up. I received loads of e-mails and texts informing me of the progress they were making and steps they were taking to help customers. They extended their opening hours so that customers could come in for help with their problems. It was a big problem, but they dealt with it very well and were incredibly apologetic so it hasn't tainted my perceptions of them. If anything, this mistake will make them more careful in the future to avoid it!

      A very small problem I encountered was when I went travelling around Australia. I've heard of people using their cards abroad and their cards being cancelled on suspicion of fraudulent behaviour (leaving the travellers with no money). I went into my local branch to tell them I will be in Australia from this date to this date and that any behaviour is normal. They told me I couldn't do that, and that if my card was used there, it was likely to be blocked and I would have to unblock it. I thought I'd be able to prevent this from happening, but apparently not. I decided to invest in a traveller's card instead which worked a lot better and I ended up not using my Natwest card at all.

      In general, I am confident in Natwest's performance. They have served me very well and make life easy. I must admit to being almost completely ignorant to interest rates, but at the moment all the banks are quite low. All the information about interest rates are available on the website.

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        04.06.2012 00:53

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        Bad security or sneaky rip off

        Many


        After ordering parts from a reputable retailer on line I entered my card details to pay for my goods.
        However when entering my card details I mistyped the authentication number (twice), "verification failed check details etc" came up on the screen both times, no problem I thought, and did it correctly on the third attempt.
        The following day I checked my account and discovered that the payment had been removed from my account THREE times, enquiries at my local branch revealed that "the money isn't missing it's just in a holding account, and you will get it back in about a week, it's normal".
        At that point I asked the (to me) obvious questions, 1, how could money be transferred from my account to a holding account (or anywhere else) when the WRONG security authentication had been used ? and 2, why had the payment for the same transaction been taken three times?.
        Surely a flaw in the banks security and payment software I suggest, "No there is nothing wrong with our system its Your Fault"! is the irate reply of the manager who became even more irate when asked if this was
        deliberately designed to put people into unauthorised overdrafts for the financial benefit of the bank.
        Personally I see no reason why funds should be moved anywhere till all the security checks have been completed, and they most certainly shouldn't when the security checks have not been passed.
        I am also off the opinion that if this is "normal procedure" that the bank should make customers aware of this, especially as many people mistakenly place the blame with the retailers often damaging their reputation as honest dealers

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        25.05.2012 16:45

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        An average mainstream bank, quite expensive to bank with them but good online service

        Ok, so Natwest has been mine and my Husband's bank for almost 5 years now. When we first opened an account they were all over us like a rash because we had sold our house and and had a large amount of money to deposit in an account!
        The money was mainly for renovating our next house and 5 years later, surprise surprise, they don't really have the same time for us anymore!
        I suppose they would compare to some other high street banks such as Barclays, Lloyds TSB, etc. The account we have at the moment is an advantage gold account which is a fee based account, I think it's currently at £13.50 per month. It comes with it's own benefits for this extra money- most of which we don;t need/use apart from travel insurance and mobile phone insurance. Althgouh considering we haven't been on holiday since we opened the account the travel insurance is kind of worthless!
        I don;t think anything really sets it apart from other banks, one thing I will say positively though is that the online banking facility Natwest have is very helpful and easy to navigate.
        If I had to choose again a bank to open an account with I;d have to say Natwest wouldn't be my first choice.

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        13.05.2012 12:46

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        Un fit for purpose bank

        Been with NatWest for 33 years. Some two years ago things began to go downhill. Firstly they changed my account number, which is the customer's date of birth and three extra digits.My husband found out that I was locked out of my account because NatWest for no reason that they could give us had change my date of birth for that of my husband's.Next My husband's account with NatWest which was was linked to another provider was deleted by NatWest .Then some weeks ago I decided to move my ISA from
        Halifax to NatWest but NatWest decided that this was not a tranfer of ISAs from past years but took it that I was attemting to open an ISA for the current tax year for 8 times more that the allowed ISA limit so they opened an ISA for the current tax year with £5640 and transfered the difference into my non interest bearing current account! What a bank.Last Friday afternoon I found that correct amounts of money were in the correct accounts but come Saturday morning they had changed the amounts back again .If you want hassle,problems,rudness and other negatives join NatWest.Goodwin certainly left a legacy - sloppyiess.Gave
        a star because I was not allowed to give them less.

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        23.04.2012 16:36

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        It took an ungodly amount of time for me to open a business account with Natwest.When the account was finally open, they had neglected to put through the telephone and online banking paperwork.I have spent MONTHS trying to set up this business account. Incorporating a company by comparison was a piece of cake.

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        22.03.2012 18:26
        Not Helpful
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        Don't bother

        I have applied for a credit card to transfer a balance. I'm now one month in after Nat West asking for additonal ID to be sent over from the branch and it being rejected twice for things like the stamp is to faint/it's not on headed Nat West paper. This is being faxed directly from one of their banks. How on earth could it be a fake. Tried to check with them today to see if the latest one was OK and was told it's being processed and you may not even be accepted and that I will just have to wait. One member of staff on the phone even suggested that I should be grateful the staff have helped me at all. I have been advised it could take another 3 weeks if anything happens at all. Seriously I know people who have sold their house quicker. Nearly 2 months for a credit card transfer! I don't have the words to express my dismay.

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        24.01.2012 13:56
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        Great bank, excellent customer service, good features and easy to bank with.

        I've been banking with NatWest for 5 years as a joint customer and I can honestly say they are the best bank I've had.

        First of all their customer service team have all been really helpful and they are quick to credit my account with funds when they've made a mistake. The few times I've had any difficulties that were their fault or the customer service staff haven't been excellent I have complained and within 24 hours I've received credits ranging from £20 to £50!! Result!

        Their telephone and mobile banking (app) is great and quick and simple to set up and use.

        The online banking is nice and easy to use and I feel like my details are really secure despite it being so easy to do everything.

        The best thing for me is their Advantage Gold account. We pay £12.95 per month (£155 per annum) for the upgraded account and it is a real money saver. We have one simple fee leaving our account every month and we get loads of benefits that would cost so much more. The best ones for us are the Green Flag breakdown... not as good as the AA or RAC but they are reliable nonetheless and as we have a pretty reliable car (touch wood) we have hardly ever used a breakdown service despite spending hundreds of pounds for years on them. We get this for pittance when you consider that we also get travel insurance for us both that we used to pay £35 a year for. We also get mobile phone insurance for both of our phones which we used to pay £20 a month for. Already we are quids in and the insurance cover is actually higher than we used to pay more for!! We get loads of discounts in loads of places and slightly better rates on our savings although to be fair most banks offer pittance for savings so they aren't that great. We also get extended warranties on our appliances courtesy of NatWest.

        I've used a number of banks... HSBC being the worst and the most thieving and NatWest being the best and most honest.

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