I have a current account with NatWest that my money comes in and goes out of each month and when I signed up for it I also registered online with their Internet Banking facility. It was an easy process, just a case of filling in a form sending it off and waiting for them to send me a temporary password and my access code to enable me to log in to my account.

Once received I was able to register my details online, after inputting my customer number and temporary password I was prompted to change to one of my own choice and go about my banking needs. As a previous customer of Yorkshire Bank I was familiar with online banking anyway, but my first impressions of NatWest's system was very positive. It seemed more secure than Yorkshire Banks and a lot more user friendly allowing me access to my account and view credits and debits just at a click of my mouse.

I particularly like the ease of being able to transfer money from one account to another, with the recent updates to the banking system as whole transferred money now appears in other accounts within minutes rather than the 3 or 4 days it used to take. This makes working my finances out a lot easier for me and I am able to make sure I have sufficient funds in my account to cover my direct debits and standing orders. I can also view, amend and delete direct debits and standing orders should I wish to and I can view statements that go back months rather than having to sift through the paper statements that used to come through my door each month.

In the 4 years of me being a customer online with NatWest I have never witnessed any 'downtime' on the site nor bugs or glitches, and because I am quite obsessive about money now following a recent traumatic experience of being heavily in debt I can view my accounts daily whenever I want to see my balance or check that a direct debit has gone through.

I don't have anything other than a basic current account so my needs are more than fulfilled with NatWest; even if I had multiple ISA's or credit cards with them I would also be able to view these details online too. However I dislike and distrust all banks with such a vengeance that I refuse to save with any of them and I would never have a credit card again so I cannot really take full advantage of what I could do if I allowed them to have my money.

For 'normal' people without the history I have with banks I would certainly recommend NatWest's online banking, it is very user friendly, easy to navigate and is a powerful tool to have at your disposal whenever you need it. I feel the money in my account is secure and I have full control of my finances and bills and it provides me with everything I need to be able to monitor my account at all times.

Natwest.co.uk ranks a perfect 5/5 Dooyoo stars with me, I cannot find fault with it at all. My opinion on banks in general is the opposite though but I see this facility as a necessity and puts me in control rather than anything else.