Newest Review: ... 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, ... more
Best Online Bank in the UK
Member Name: freelancerbd
Advantages: Safe and excellent online banking, good for those who do not like borrowing
Disadvantages: Difficult to obtain credit facilities, including credit cards
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.
Summary: A top class bank with excellent online banking facility
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