I have always found Natwest online banking to be reasonably easy to use. The entry screen can be a pain, but mostly because it takes mental effort to remember which password and pin you have used, but it seems to be very secure as you have to go through 2 different stages and enter 3 different sets of information.

The site itself is easy to use and intuitive, although it can take a bit of effort to find the credit card specific services as opposed to your banking services.

To make a transfer you need a card reader which you can apply for online, this is useful and seems to be secure, although other online banking sites do not require this, and it is easier to make payments without using one.

All of your accounts are displayed on the home page, and you can see at a glance what the balance of your accounts, credit cards, and savings accounts are on the same page. You can also here select a drop down box to see your latest transactions, and from here you can view full statements, or for credit cards make a payment.

Other useful features on the website are that you can check what your interest payments will be on accounts, what your minimum payment is for your credit card, set up text alerts for making payments, and view a full statement and navigate through previous ones.

Whilst I always prefer to do any major transactions at the bank itself, this is a very useful service if you are not able to easily get to a branch, and is particularly useful for moving money between your own Natwest accounts.