NatWest

Part of the Royal Bank of Scotland Group, NatWest was actually the product of a merger between two 19th century banks in 1970.

As one of the Big 5 UK banks, it offers mortgages, loans, credit cards, savings and investments as well as business banking. RBOS has a specialist private banking and wealth management company Coutts. It also offers corporate finance and investment banking services. NatWest partners with Direct Line for many life insurance and protection products.

NatWest offer a reward current account, Advantage Blue, where you pay £6.95 and you will receive GreenFlag breakdown cover, or mobile phone insurance, a family and friends railcard, or a 16-25 railcard, single trip European travel insurance, 2 for 1 cinema tickets and more.

38 responses to “NatWest”

  1. Dan Campbell says:

    The most awful service I have ever received from any organisation whatsoever.I found the service and my particular branch to be slow and bumbling with many mistakes being made. I wouldn’t wish this on anyone and strongly recommend that anyone wanting to open a new account not to choose natwest.

  2. Jude Rawlins says:

    I find their personal banking services to be adequate, the charges are too high, but that’s normal, isn’t it? The credit cards are also ok. But do yourself a favour and NEVER ever ever use NatWest for business banking. They charged us for an unauthorised overdraft when we tried to CLOSE the account, it was less than a quid. They stopped sending statements, we assumed the account had been shut, as we’d signed off in the presence of our business advisor at the branch. FOUR YEARS later we found out by chance that the account was still open, charges were still being applied and we apparently owed them £750. We tried to resolve this – the guy dealt with us NEVER answered his phone or returned his calls. It took us TWO more years to resolve, eventually they admitted liability and we didn’t have to pay them a penny.

  3. Muf says:

    MUFFY!!!!!!!

  4. Paul Stenhouse says:

    The most awful bank I have ever used, ignore my letters and then had the cheek to charge me for being overdrawn. I would not recommend this bank to any man, woman or child.

  5. Martha Noris Gonzalez Tavarez says:

    NATWEST BANK PLC.UK Online Customer
    Account Director,
    Contact Michael Smith
    Tel: +44-703-590-2131
    +44-703-191-5232
    Fax: 0044-707-500-9984
    Email: accounts@natwestbnk.net or natwestonlinebnk@yahoo.co.uk

    Dear Martha Noris Gonzalez Tavarez/NATWEST BANK PLC.UK Online Customer.

    You are welcome to the foreign remittance / online department of NATWEST BANK Plc .

    Natwest Bank Plc is the flagship subsidiary of financial services group NATWEST BANK PLC.The bank is primarily active in the UK, where it serves approximately 6 million consumers and nearly 300,000 small businesses, but also has significant operations in France, Italy, Portugal, Spain, and several African nations, as well as the Middle East and Asia. It offers standard retail services such as current accounts, savings and investments, insurance, credit cards, and online banking etc,

    Below are the options for opening;

    (1) CLASSIC ACCOUNT: This Requires a minimum deposit of 550 pounds
    Benefits of regular account:
    1. Better accessibility.
    2. Internet access/ online account.

    (2) NUMBERED ACCOUNT: This has a minimum deposit of 630 pounds
    1. Better Accessibility.
    2. Benefit for every savings made.
    3. Internet access/ online account.

    (3) VAULTING ACCOUNT: This has a minimum deposit of 720 pounds
    1. Better Accessibility.
    2. Instant Credit card Issued.
    3. Investment Pay back access.
    4. Internet access/ online account.

    (4) PREMIUM ACCOUNT: This has a minimum deposit of 860 pounds
    1. Investment Pay back access.
    2. Instant Credit card Issued.
    3. Bank Cheque Issued.
    4. Better Accessibility.
    5. Internet access/ online account.

    The Premium account has full option banking amenities which involves having a Master Card,credit / debit balance print out and overdraft.

    NOTE that the minimum deposit has to be paid before your account can be operational and the deposit belongs to you as this will be in your account before crediting the funds you wish to transfer.

    A scanned copy of your international passport or drivers License IS REQUIRED.

    As soon as you provide the funds for the Account activation, we will activate it and credit your account with the sum which you have provided for the account activation and it will reflect on your account as your opening balance,Then your cheque will be deposited into it immediately we activate your account, after which your cheque will clear and also reflect on your account balance within 48 hours. You can then effect transfers to any account you nominate anywhere around the world.

    We advice you to choose from the 4 options given above and inform us of your choice and it will immediately be created upon receipt of your payment according to your choice of account, Your new account details and online access code will be sent to you to enable you log on to your account for the transfering of your funds.

    High Interest Deposit Bond
    Whatever you’re saving for, earn up to 5.25% gross / AER with our High Interest Deposit Bond. Interest rate fixed for 3 years, this is when you open any of our Bank accounts stated above.

    NOTE :That if you decide on closing your account, You will be able to transfer your funds along with the initial deposit you made for the account activation / opening.

    We shall give you instructions on how to send the fees for the account activation after you have furnished us with the information below alongside scan copy of your identification:

    TITLE:
    FIRST NAME:
    LAST NAME:
    TELEPHONE:
    FAX:
    EMAIL:
    DATE OF BIRTH:
    PLACE OF BIRTH:
    NATIONALITY:
    NEXT OF KIN:
    ADDRESS:
    TYPE OF IDENTIFICATION:
    OCCUPATION:
    TYPE OF ACCOUNT:

    We await your positive response in this regard.

    NATWEST BANK PLC have been assigned with the task to transfer your lottery/Promo price money to you by offering you the services of our online banking system, we are here to serve and assist you in this transfer of your Lottery winnings funds to your specified Bank in your location.

    The Fiduciary office of the lottery Promotion has passed on your payment files to us. A winning Cheque Lottery Promotion organisers in your name is presently in a suspense account with this bank (Non-active account). Hence, cannot be transferred until it been depostited in an account opened with your name.

    To this end, an online bank account will be activated / opened in your name to enable the subsequent deposition of the winning funds so that we can proceed with the transfer of the fund.

    Once this account has been activated / opened, you would transfer online the said fund to any of your designated bank account across the globe.

    Therefore, you are to pay an account activation fee (initial deposit) to set up the online account. Please kindly note that the initial deposit paid by you remains your money and will only be use in setting up the account before depositing your winning funds.

    All banks in the United Kingdom are authorized and regulated by the Financial Services Authority ( FSA )and adheres to the principles of the Banking Codes including NATWEST BANK PLC UK. To this note, clients are required to abide by the Banking policies of the British Government by making security deposit for ACTIVATION FEES. The Financial Services Authority ( FSA ) is the independent regulator set up by Government to look after the financial services industry and protect consumers.

    For current currency conversion visit http://www.xe.com ,

    Note that we can not continue with the online bank transfer until the activation fees is paid because this said cheque has to be deposited into an account before it can be transferred to you. This is in accordance with section 17(1) (n) of the National Online Transfer Act as adopted in 1998 and amended on 3rd July 2001 by the Parliament.

    Payment for the activation / account opening fees can be made through WESTERN UNION MONEY TRANSFER.

    Upon your reply and consent we would provide you with the necessary details to effect payment for the ‘ACCOUNT OPENING/ACTIVATION FEE”

    Kind Regards,

    We Remain,
    Yours Truly,
    ACCOUNTS.
    NATWEST BANK PLC.UK.
    ………………………………………………………………………………………………………………….
    This email and any attachments to it contain information that is confidential and may be privileged. It is for the exclusive use of the intended recipient(s). If you are not the intended recipient(s) please note that any form of distribution, copying or use of this communication or the information contained in it is strictly prohibited and may be unlawful. If you have received this email in error, please return it to the sender and delete the email from your records.

    ——————————————————————————–
    From: lilag@hotmail.com
    To: accounts@natwestbnk.net
    Date: Thu, 27 Dec 2007 20:48:43 +0000

    my name is Martha Noris Gonzalez Tavarez
    Ticket Number coca 5647600545188

    is this true?please answer me

    ——————————————————————————–
    MSN Amor Busca tu ½ naranja

  6. Martha Noris Gonzalez Tavarez says:

    is this true?
    please answer me
    thanks you

    martha gonzalez

    NATWEST BANK PLC.UK Online Customer
    Account Director,
    Contact Michael Smith
    Tel: +44-703-590-2131
    +44-703-191-5232
    Fax: 0044-707-500-9984
    Email: accounts@natwestbnk.net or natwestonlinebnk@yahoo.co.uk

    Dear Martha Noris Gonzalez Tavarez/NATWEST BANK PLC.UK Online Customer.

    You are welcome to the foreign remittance / online department of NATWEST BANK Plc .

    Natwest Bank Plc is the flagship subsidiary of financial services group NATWEST BANK PLC.The bank is primarily active in the UK, where it serves approximately 6 million consumers and nearly 300,000 small businesses, but also has significant operations in France, Italy, Portugal, Spain, and several African nations, as well as the Middle East and Asia. It offers standard retail services such as current accounts, savings and investments, insurance, credit cards, and online banking etc,

    Below are the options for opening;

    (1) CLASSIC ACCOUNT: This Requires a minimum deposit of 550 pounds
    Benefits of regular account:
    1. Better accessibility.
    2. Internet access/ online account.

    (2) NUMBERED ACCOUNT: This has a minimum deposit of 630 pounds
    1. Better Accessibility.
    2. Benefit for every savings made.
    3. Internet access/ online account.

    (3) VAULTING ACCOUNT: This has a minimum deposit of 720 pounds
    1. Better Accessibility.
    2. Instant Credit card Issued.
    3. Investment Pay back access.
    4. Internet access/ online account.

    (4) PREMIUM ACCOUNT: This has a minimum deposit of 860 pounds
    1. Investment Pay back access.
    2. Instant Credit card Issued.
    3. Bank Cheque Issued.
    4. Better Accessibility.
    5. Internet access/ online account.

    The Premium account has full option banking amenities which involves having a Master Card,credit / debit balance print out and overdraft.

    NOTE that the minimum deposit has to be paid before your account can be operational and the deposit belongs to you as this will be in your account before crediting the funds you wish to transfer.

    A scanned copy of your international passport or drivers License IS REQUIRED.

    As soon as you provide the funds for the Account activation, we will activate it and credit your account with the sum which you have provided for the account activation and it will reflect on your account as your opening balance,Then your cheque will be deposited into it immediately we activate your account, after which your cheque will clear and also reflect on your account balance within 48 hours. You can then effect transfers to any account you nominate anywhere around the world.

    We advice you to choose from the 4 options given above and inform us of your choice and it will immediately be created upon receipt of your payment according to your choice of account, Your new account details and online access code will be sent to you to enable you log on to your account for the transfering of your funds.

    High Interest Deposit Bond
    Whatever you’re saving for, earn up to 5.25% gross / AER with our High Interest Deposit Bond. Interest rate fixed for 3 years, this is when you open any of our Bank accounts stated above.

    NOTE :That if you decide on closing your account, You will be able to transfer your funds along with the initial deposit you made for the account activation / opening.

    We shall give you instructions on how to send the fees for the account activation after you have furnished us with the information below alongside scan copy of your identification:

    TITLE:
    FIRST NAME:
    LAST NAME:
    TELEPHONE:
    FAX:
    EMAIL:
    DATE OF BIRTH:
    PLACE OF BIRTH:
    NATIONALITY:
    NEXT OF KIN:
    ADDRESS:
    TYPE OF IDENTIFICATION:
    OCCUPATION:
    TYPE OF ACCOUNT:

    We await your positive response in this regard.

    NATWEST BANK PLC have been assigned with the task to transfer your lottery/Promo price money to you by offering you the services of our online banking system, we are here to serve and assist you in this transfer of your Lottery winnings funds to your specified Bank in your location.

    The Fiduciary office of the lottery Promotion has passed on your payment files to us. A winning Cheque Lottery Promotion organisers in your name is presently in a suspense account with this bank (Non-active account). Hence, cannot be transferred until it been depostited in an account opened with your name.

    To this end, an online bank account will be activated / opened in your name to enable the subsequent deposition of the winning funds so that we can proceed with the transfer of the fund.

    Once this account has been activated / opened, you would transfer online the said fund to any of your designated bank account across the globe.

    Therefore, you are to pay an account activation fee (initial deposit) to set up the online account. Please kindly note that the initial deposit paid by you remains your money and will only be use in setting up the account before depositing your winning funds.

    All banks in the United Kingdom are authorized and regulated by the Financial Services Authority ( FSA )and adheres to the principles of the Banking Codes including NATWEST BANK PLC UK. To this note, clients are required to abide by the Banking policies of the British Government by making security deposit for ACTIVATION FEES. The Financial Services Authority ( FSA ) is the independent regulator set up by Government to look after the financial services industry and protect consumers.

    For current currency conversion visit http://www.xe.com ,

    Note that we can not continue with the online bank transfer until the activation fees is paid because this said cheque has to be deposited into an account before it can be transferred to you. This is in accordance with section 17(1) (n) of the National Online Transfer Act as adopted in 1998 and amended on 3rd July 2001 by the Parliament.

    Payment for the activation / account opening fees can be made through WESTERN UNION MONEY TRANSFER.

    Upon your reply and consent we would provide you with the necessary details to effect payment for the ‘ACCOUNT OPENING/ACTIVATION FEE”

    Kind Regards,

    We Remain,
    Yours Truly,
    ACCOUNTS.
    NATWEST BANK PLC.UK.
    ………………………………………………………………………………………………………………….
    This email and any attachments to it contain information that is confidential and may be privileged. It is for the exclusive use of the intended recipient(s). If you are not the intended recipient(s) please note that any form of distribution, copying or use of this communication or the information contained in it is strictly prohibited and may be unlawful. If you have received this email in error, please return it to the sender and delete the email from your records.

    ——————————————————————————–
    From: lilag@hotmail.com
    To: accounts@natwestbnk.net
    Date: Thu, 27 Dec 2007 20:48:43 +0000

    my name is Martha Noris Gonzalez Tavarez
    Ticket Number coca 5647600545188

    ——————————————————————————–

    • Annie says:

      no… the clue is in their apparent email address… NatWest don’t use yahoo or natwestbnk.net. They use RBS.co.uk or Natwest.com.

      Natwest never email asking for info – same as most banks!

      • Miffed Much says:

        another clue is in the abysmal Niglish used (Nigerian English) this is clearly a scam – they use google translate to write these…this is about as amateur one as I have ever seen

  7. C Keane says:

    My only dealings with this bank were following the death of my sister when I had to close her account. The staff couldn’t have been more helpful.

  8. Felicity says:

    Hello, I’m 47 years of age and have been using this bank for a number of years and it has never once let me down. Its rates are just spiffing. I am going to carry on using this banks very wide range of services. Thank you.

  9. Mark says:

    I changed banks from Natwest after 21 years due to high bank charges. They were charging £12.95 for the ‘privilege’ of offers on stuff I would never want or use. I later found out when I had closed that they had also added a ‘Closing Account Charge’ of £12.95. Never will I be going back with these Charlatans…

    • Annie says:

      £12.95 is a fee bearing account – i have that same account – Advantage Gold – you can have normal accounts that cost nothing and the 12.95 you paid when you closed the account is not a closing fee, it would have been because you had a full month of the account at the time you closed it and the fee debited… they explained that me as i went to upgrade my account but then changed my mind.

  10. Ritz says:

    Natwest is ok. Not too bad. Been with them 4 years.

  11. richard says:

    BEWARE..– worst bank ever!! customer service is terrible, rude and unreliable…

    honest advice stay away from natwest.

    they are money grabbing thieves!!

    • Angela says:

      I agree, the most awful service I have ever received whatsoever.The best what they do with is to rip off clients. I wouldn’t wish this on anyone and strongly recommend that anyone wanting to open a new account not to choose natwest.

  12. Andrea says:

    I’ve been with Nat West for just over 6 years, they’ve been OK until now. Last Saturday I attempted to withdraw cash – only to find I could not, the cashpoint said I could not withdraw any money and my account was over £114 overdrawn. I don’t want or need an overdraft, and knew I had not had any large or unexpected transactions, I always keep very careful records of my money. I immediately visited the town centre branch, the cashier I initially spoke to was very good, she referred me to a colleague who would speak with me in a private room. The colleague really could not have cared less, she printed off a list of my transactions for the past 2 weeks – and I found that the problem was caused by the bank having made a mistake; 9 days previously I had paid some cash into my account – and the branch had entered this as a withdrawal, this had caused my account to go overdrawn following a standing order being paid out. My funds had (unknown to me) been much lower for these 9 days because of the bank’s mistake. I’d paid the cash (given to me by my husband towards grocery shopping) in on the day I was paid, when I always do calculations as to what I have going in/out for the forthcoming month and how much personal money I’ll have left; I then check my account online about every couple of weeks. I’d paid the cash in at another local branch which is closed Saturdays. The ‘customer service officer’ I spoke to said there was nothing she could do except mark the transaction as a ‘concern’ and said she would contact the other branch first thing on Monday morning and then call me as soon as she had done that. She said the other branch would have to check their financial records for the day in question and that if they found a discrepancy in held cash amounting to the amount I’d paid in then I’d get my money back. Her attitude was very casual, rude and uncaring. I said surely as you’re a branch of the same bank you can check each other’s records. I asked her several times if going to the other branch myself on the Monday morning would make any difference – she would not answer this question despite my asking her several times. And she even had the nerve to push at me ‘packaged’ accounts (with monthly charges) and the bank’s credit card – I refused both of these, saying I don’t need them and that I just wanted to sort out the problem with my current account.

    This morning – the Monday – I knew that she would not contact me like she’d said she would. By 9.30 I’d received no call from her, so I called the other local branch myself – and the person I spoke to there was very different, caring and understanding, she promised that she would look into the matter and call me back today. I had my doubts about this – but to my surprise she did call me back, it was about 5 and a half hours later but I suppose the matter had taken some time to look into and sort out. She admitted the bank’s error and said she had credited the money back to my account and has ensured that I will not incur any charges – she said that the standing order that had been paid out (which – due to their error – was what took me overdrawn) had been about to be returned as unpaid. I’d said I was very concerned as I have 2 other direct debits due to come out this week. She was extremely apologetic. This experience has however affected my confidence in the bank to the effect that I am now strongly contemplating switching banks. For however much longer I stay with Nat West, I will keep a much closer eye on my account and carefully scrutinise receipts given for any transactions, and immediately check online that the transaction has been correctly carried out. It could be said that I should have checked the receipt I was given when I put the money in my account – but I did not feel the need to (I’d trusted the bank to handle my money properly), I just folded it up without looking at it and subsequently shredded it. Am still expecting – despite the assurances given today – that Nat West will still try to apply the charges that I’d have incurred due to their error.

  13. Vicky MacLean says:

    My husband died early this year (2009) he was severely brain injured due to so many strokes, had a heart condition was registered blind etc, in short could do nothing for himself or even speak. I found bank addresses in his briefcase one of which referred to a Nat West Account in Cardiff, so I wrote asking if there were any accounts in his name and fully explained my situation, we were only together four years and married 18 months I nursed him for 3 years so I had no way of knowing many details. Nat West’s caring response was to return my letter with a hastily scribbled compliment slip, no date no Dear Mrs… sorry to hear, just a curt we don’t keep details, we need an account number or at least a post code (they even got his name wrong), the person scribbling was clearly too lazy to even include their signature. I am appalled at their lack of thought or feeling, for all I know there might be a lot of money (unlikely I suppose) but whatever it’s not Nat Wests’ to keep, so I have written to Sir Philip Hampton their Chairman in London and asked him to get a reply worth reading. I guess staff are far too busy repossessing homes and charging huge penalties to think about PR skills, or maybe they just employ dolts for economy!!!!! Whatever the problem customers simply don’t count for anything, banks get ever ruder, and pursue one thing huge profits so they can pay fatter bonuses to their EO’s

  14. Toby says:

    I have not had an account with Natwest since the 80’s. The reason being – in those days us youngsters had the option of opening a Piggy Bank account (if you don’t remember them, basically you saved your money with them and depending on how much you save, you get a Piggy bank for each milestone you reach – something like £1,25,50 and £100). I was only about 10 and I went to withdraw £1 from my account over the counter in my branch. I was given it, no problem at all. Only to be followed up with a letter 2 weeks later demanding £25 for going overdrawn…. by 2p. I don’t know what happened to the demand or if my parents paid it, but I was distraught (as any kid would be that had saved up £3 and then been fined £25). I have never had any dealings with them since, and refused to have a mortgage or any investments through them whatsoever. I’ve only met one person who thought they were ‘all right’, everyone else seems to have had problems so my advice would be to stay well clear.

  15. TS says:

    Have banked with Natwest all my life. Haven’t had much of a problem with them personally, they have been reasonable and easy to deal with for my student account and the switch to a graduate account – and the resulting increase of overdraft. However, my parents recently separated and this has caused a number of problems with Natwest. First off, the process of having my father removed from their joint account was exceedingly complicated. The split is not amicable and yet Natwest lost the paperwork THREE times, meaning my mother had to ask my father to visit the branch with her on three occasions. Also, the split caused them to review and significantly reduce my mother’s credit limit. Yet they simultaneously approved a £20,000 loan for my father – a window cleaner, with extensive debts and a low paid job. The customer service reps were pleasant but largely uninformed and unable to help. It is also an absolute nightmare to get in contact with them – although I suspect this is an industry wide problem.

  16. Sarah says:

    My local branch is Plymouth city centre. It is very busy with queues for the cashiers and reception desk quite frequently which is annoying but they do have a lot of staff who walk the floor and take people from the queues to help. Everyone in the branch do have big smiles on their faces and are friendly though, compared to other banks this is lovely. I went to Abbey the other day, there was no one manning the front desk and I stood there for 10 mins before someone came and acknowledged me and no one apologised for my wait. Plus I once had to make a visit to Abbey 5 times before they managed to change my address. Natwest always manage to get that right.
    Any problems I have had get resolved quickly. Their life insurance policies are expensive and savings rates quite uncompetitive. The problem with all the banks now is it’s all sales sales sales. Not the staffs fault of course, they are under high pressure to sell all the time and that always affects service.

  17. Ian says:

    I had finally got myself a good income and felt that I needed a Bank manager who could advise me how to look after my wads of cash so I left my perfectly acceptable internet bank and went to my local NatWest. My new Manager very quickly became my best mate (according to him anyway), first name terms, smiles, coffee, the full treatment jokes about my pathetically small mortgage and my lack of credit cards were regularly cracked on my visits to the bank – little did I know what was coming – anyway I fell for it and pretty soon I was into virtually every single financial product he could think of selling me. Things were going well, after all, I could afford it and my new bank manager was at the helm steering me on a safe financial path. The ‘I thought you might like to come in for a financial review’ phone calls came in at an alarming rate but I was flattered by all the attention and VIP treatment. It all started to unravel when I became ill and couldn’t work full time. I still had an acceptable and permanent income but just not as much as before. The friendly phone calls stopped, no more coffee, no more blokey chats (I’m sure he had my football team results ‘blackberried’ to him by his secretary) and I was being crippled by bank charges.

    After my Doctor told me my condition wasn’t likely to improve in the short term I could see the writing on the financial wall and new I would spiral into debt quite quickly so I rang my bank manager who made me an appointment with one of his underlings for two weeks time (none of his friendly banter this time) I had usually been able to get an appointment within 2 days and I explained the urgency but there was apparently nothing he could do. Now call me a cynic but it would appear that as they had ‘maxed me out’ on financial products and the account was starting to look a bit shaky I was no longer a priority or indeed his ‘best mate’. At the meeting I explained the situation and asked for advice on how to manage, the reply was…. and I remember the exact words… cancel your direct debits and pay them manually when you have money in the account to prevent any more bank charges. My wife burst into tears – which he totally ignored – I asked him if he could reduce or even stop the charges as after all I hadn’t been irresponsible and could provide the evidence to back up my claims of debilitating illness and a previous exemplary financial record etc and it appeared from examination of my statements that the charges were contributing to my demise. No further advice was offered. I then discovered that none of the ‘insurance’ I had been sold to cover these payments applied as I actually still had an independent income which was evident before I was sold the insurance. I immediately cancelled all premiums which reduced my outgoings by a considerable amount – a lesson there somewhere – but delayed the process of recovering the premiums already paid as I’d seen what had happened to the accounts of others who had taken the banks to court but vowed that when the dust settled I would. Over the next 12 months we went through a thoroughly miserable time as I played catch up with the mounting charges and diminishing income. My health deteriorated. My wife got a job despite being severely arthritic which helped a great deal. Eventually I gave up with the bank and took some independent financial advice and found that you could indeed get the banks to reduce their charges and interest payments via a debt management agreement…. why didn’t my Bank tell me this or offer a similar solution… all I got were letters threatening default notices and later on CCJ’s etc. An offer to examine my income and expenditure was eventually sent by the bank. I took them up on the offer and contacted the department I spent one and a half hours talking to someone who was so obviously trying to squeeze as much money out of me as possible. He came up with a figure 10 times that which I had been recommended by a highly reputable independent debt counselling organisation only the day before. I immediately checked back with them to see if they had got their sums right they told me that if the bank was going to take that attitude I had no choice but to declare myself bankrupt…. Which I did.
    So the credit cards and outrageous bank charges will never be paid as the official receiver decided I didn’t have to pay a penny and recommended an early discharge after 8 months.
    So my point is… if the Natwest had been as friendly to me when I was struggling as they had been when I was solvent we would have been able to set up a debt management agreement and I would have been happy to pay as much as I could afford and I would most certainly have been paying the full whack by now as my income has recently improved and these agreements are commensurate with income. Instead they received nothing. I’m not at all bothered because I think they acted badly and entirely in their own interests. But I can’t help thinking what fools they have been to be so grabbing even when it was obvious that as my counsellor put it ‘they won’t be able to get blood out of a stone’ but they tried and lost everything.

  18. Mary says:

    Fantastic bank! I have been with them for 25 years. Local branches, evening and weekend opening hours, UK call centres, friendly service, great and easy to use online banking facility, value for money on the advantage gold account – what more could you want???

  19. E W Ship says:

    Having Recently changed my account to the Nat West (we have had a current account for 30+Years) I have just received a letter telling me that if I don’t use my credit card by June it will be cancelled. Have spoken to them and this is their policy. We will be transferring our accounts to another bank. I would call this blackmail.

  20. Piglit says:

    Left this lot a while back after 10+ years after a number of serious lapses including automated payments not made or not cancelled. Customer service utterly dreadful, staff in contact centre seemed poorly trained, staff in branches simply inadequate in number.

  21. Alan says:

    I have worked for various banks throughout my life, and can honestly say that Natwest bank is the most customer focused bank I have been in the employment of.

    As a customer of natwest bank, I cannot fault the helpful manner of staff or the products. Their advantage gold account, if used correctly, offers a lot of potential saving, covering various insurances and offering discounts for the cost of £12.95 monthly. My advice would be, if you are not going to use these benefits, do not open the account. You are wasting your money and are likely to blame the bank for your own stupidity.

    After reading the reviews below I can see that most of the people who have given low ratings have done so because they were not wise enough to stick to the terms of their accounts or disagreed with certain policies. As long as you make sure you agree with the terms and conditions of the accounts you are opening before you open them, then you won’t come across any problems.

    However, I feel that the efficiency of service at Natwest leaves something to be desired. They seem to have limited capability when handling genuine problems, and not every problem which arises can be resolved at the first point of contact, sometimes taking quite some time before reaching any kind of resolution. This can cause distress to both staff who are unable to be as helpful as they wish to be, and customers looking for immediate resolution of problems.

    All in all, I’d give this bank a fairly solid rating in that they seem to be doing everything possible to improve customer experience, but just haven’t quite reached that goal yet. Certainly, as they claim, they are the most helpful bank, but definitely not the most efficient.

    • Miffed Much says:

      Alan, you couldn’t be more wrong. I have just been hit £21 in charges from Natwest – not because I went overdrawn, not because I mismanaged my account – but because they take their interest payments out at inconsistent times!! They took the interest on the 25th this month – which then put my account £9 overdrawn – which they then charged £18.00 for, and then added on a “returned item” fee of £6.

      With all due respect – Natwest will rip you off every chance they get – including charging you a returned fee and overdraft fee on their interest payments which come out whenever they feel like it. I wouldn’t use them again if you paid me to.

  22. Isabella Thomas says:

    I’ve been with Natwest for 2 years. I lost my job a while back and then the charges started. I’m not on benefits – which is quite clear to the bank. In September I had a direct debit returned – although on the day the direct debit was due to go out it showed up on my account balance that it had gone out leaving me minus 30 pounds. The next day that was returned back into my account – but today my account balance is minus 37 pounds because they have charged me 55 pounds. One charge being the returned DD and the other being the fact that took me over my over draft limit – and of course that’s happened again today so next month I’ll be charged as well. It means that me and my children have no money or food now until Tuesday next week when I receive my income support – which will only be 11 pounds because I’m 37 pounds over my over draft limit. This is literally life or death as they are deducting these huge charges from my benefits meant to pay for the very basics. I am in big trouble and can’t believe that these banks are allowed to go on doing this to people.

  23. Richard Jones says:

    I do not recommend that people open accounts at Natwest.

    **Customer service**
    Very poor compared to other banks; staff are generally disinterested. (However, on the other hand, their complaints procedure is good – but you will need their complaints procedure a lot if you have a current account with them!)

    ** Internet banking **
    Again, nowhere near as good as other banks’ internet banking facilities. Around 1/3 of the screen is white space. Another 1/3 is advertising. That then leaves a small section in the middle where you can actually see info about your accounts.

    But the information given is only the very most basic. Once you click through three screens to reach your statement, you can see this. You can also transfer money. But there’s nothing else that internet banking does. It seems very clunky, outdated and basic.

    ** Accounts **
    Interest on current accounts is 0%, so they are not good for those people who remain in credit.

    Overall: Not Recommended. There are much better banks out there.

    • Annie says:

      I totally disagree on most points. They are a Bank which focuses highly on Service and the customer being central to everything they do, staff are engaged and do like to build relationships with clients where possible.

      Having used at least 5 different types of Internet Banking, i find NW to be the most effective, least complicated, least clunky and least outdated… certainly better than Halifax, Santander, Clydesdale, nationwide… also i am safe in the knowledge that their online security has something like a 95% rating and if you do lose anything through online fraud, they are quick to give you your money back while they investigate what went on, rather than do what most banks do and let you wait for a couple of weeks before you get any money back!

      Current account interest – if you keep a credit balance then you should have a savings account!! Their online account pays min 1%, but i did have a bonus last year which bumped it up to 3%… look out for their bonus rates, the other ones are a bit poor though.

      Overall, i have bnever had a problem with them!! Better than most!

  24. Pave says:

    Having recently moved into the country, Natwest was the only option, because they have some kind of agreement with my new employer. Unfortunately, compared to my old account from my country of origin, this bank is absolutely horrible. Unhelpful, everything takes them ages, completely stupid internet banking system, I could go on and on. I am really fed up with them and would change the bank in a blink if I could. Wouldn’t recommend them to anyone. I’d be better off without a bank account than with theirs.

  25. Teresa says:

    I think Natwest are a terible bank. When I joined up to Natwest I wanted a current account but for some reason they decided to give me a step account which I was unaware of all because I didn’t want an overdraft facility. The account was okay until earlier this year when I was told I could only use RBS or Natwest cash machines. There are none close to me and as I don’t drive this caused me some problems. I decided to open a current account with them instead which I did over the phone but then I got a phone call saying I would have to go into the branch as they had my wrong DOB. When I first opened the account I did it in the branch therefore I wrote my details down and could not have wrote them wrong so this is there mistake not mine. I am now in the process of changing bank accounts.

  26. natasha says:

    Having banked with Natwest for nearly 40 years I have always been more than happy with the services I have received but try and change a Standing order with them and its a simple process that they simply cannot cope with. I have contacted them over a period of a few months to get this corrected with assurances from each person that it is resolved. They have caused my account to go overdrawn by £1800 by not getting the change correct, they then changed it and no money was due to leave my account for 2 months meaning my mortgage was to go unpaid and to top it all they have now charged me interest for the amount I went overdrawn caused by their inability to amend a Standing Order as instructed – have they admitted liability for all of this – yes they have, did they assure me I wouldn’t be charged interest – yes guess what today I was charged interest and spent 30 mins on the phone arguing with them… I await a FOS referral for my case – that will cost them £300 and will appear in their statistics – will I be moving bank after 40 years of service – yes and this had nothing to do with their recent banking crisis. Something is definitely amiss at Natwest which needs investigating.

  27. Yvonne says:

    I believe that Natwest Bank is the worst to open an account with. Their unarranged overdraft fees are ridiculous especially coupled with the fact that they do not let you know you are being charged and all of a sudden you log onto your online account and the next thing you see is a ridiculous amount of money being charged to your account. I had about £59 in my account and I logged on and saw my balance to be £-109 and this was due to an unarranged overdraft fee the month before, how do you charge a person £6 everyday without letting them know they are being charged? I am now seeking legal advice and trying to do all I can to gain my money back and it is taking up so much of my time. I would close my account with Natwest after I have this sorted out and i would not advice anyone to open an account with them. Either try HSBC or Lloys TSB instead.

    • beata says:

      Hi, that’s strange, they always sending me letters when I got any fee to pay, I even think, why they bother, I will forget it anyway:-) Check if they got your correct address.

  28. Carl M says:

    I have banked with Nat West for many years. Always in credit. I lost my job and this bank took a charge from my account that would intentionally make me over drawn so they could add charges. Because I have no job these charges have now spiralled to £700. This is legalised theft. The banks have obviously learnt no lessons over the past 5 years. Next time they go bust let them sink and put the senior management in prison I say!!!

  29. Emily says:

    Natwest is terrible I was £300 overdrawn which grew to £800 in charges!! In one of my statements they charged me £198 in 1 day!!! How is this normal? They closed my account during my repayments of £7.50 a week and I have been paying that for about 4-5 years only now they have closed my account! (good job I am with tsb!) I’m definitely going to fight for my charges!!!

  30. Corinne says:

    I have recently joined an existing community group business account with Natwest and find the customer service appalling. I do not use them for anything else and certainly would never choose do so now. I wanted to set up online banking on the account and have been trying to do this since June (5 months). The call line are unhelpful and the branch staff also and have no initiative to go outside of processes that have failed. At no point was security established in agreement with me on the account or explained but they will not let me access the account because I don’t know information that I was never told. They have lost my paperwork and now I have to go through the whole process again with little confidence that it will be different this time. If I ever get access to the account I will certainly discuss transferring our business to a different bank with the rest of the group. Compared with First Direct it’s like customer service has stood still for thirty years.

  31. David Richardson says:

    Stay away…ok while you are in the black as soon as you have a blip…. hold on tight. ..unhelp full… ignorant. ..shall I go on

Leave a Reply

Your email address will not be published. Required fields are marked *