NatWest, or National Westminster, is a retail and commercial bank based in the United Kingdom. It is one of the ‘Big Four’ UK clearing banks and has more than 7.5million personal banking and 850,000 small business customers. NatWest also operates in Ireland, through its subsidiary company Ulster Bank.

Reviews Rating
45%
Review Score
This figure is an average of the reviews score, taken from customer reviews and the overall rating of the bank.
53%
BankRank® Score
This figure is the average of the bank’s total sentiment score and the review scores.
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Overview

First Glance

NatWest, or National Westminster, is a retail and commercial bank based in the United Kingdom. It is one of the ‘Big Four’ UK clearing banks and has more than 7.5million personal banking and 850,000 small business customers. NatWest also operates in Ireland, through its subsidiary company Ulster Bank.

Features

Contact Info

Address
135 Bishopsgate, London EC2M 3YD, UK
Phone
0121 695 9238

About Natwest

NatWest, or National Westminster, is a retail and commercial bank based in the United Kingdom. It is one of the ‘Big Four’ UK clearing banks and has more than 7.5million personal banking and 850,000 small business customers. NatWest also operates in Ireland, through its subsidiary company Ulster Bank.

NatWest’s beginnings can be traced back to 1658 and the founding of Smith’s Bank of Nottingham. The NatWest we know today was established in 1968 after the merger of National Provincial Bank and Westminster Bank. In 1975 NatWest became one of the first London banks to open an office in Scotland, and part of the group of banks that launched the Access credit card and later the Switch debit card (now known as Maestro).

NatWest has been part of the Royal Bank of Scotland Group since 2000.

Natwest Products and Services

Personal banking customers have access to a comprehensive portfolio of banking options including current accounts, savings accounts, overdrafts, credit cards, loans and mortgages. NatWest also offers a range of Reward accounts, with monthly fees charged dependent on the account level. These accounts reward customers for such activity as paying bills by direct debit and cash sums for switching.

Premier is NatWest’s private banking service and is available to permanent UK residents with a sole income of £100,000 or a joint income of £120,000 annually, or savings or investments of at least £100,000 held with NatWest.

NatWest’s business banking customers can access different services depending on their size. Business banking services are divided into:

  • Services for SMEs
  • Services for companies turning over more than £2m
  • Services for international trade hubs

NatWest also offers business banking customers a programme called Boost, where clients can work with a specialist Business Growth Enabler to gain access to new networks, tools and content plus one to one support.

Natwest Awards

In 2017, NatWest’s banking app was voted Best Banking App by UK customers.

Natwest Security

NatWest recommends that customers use Rapport, free software created by IBM, to help them stay safe online. Customers can also report any fraudulent activity or stolen card problems instantly at the NatWest website.

Natwest Bank Contact Details

135 Bishopsgate
London
EC2M 3YD

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NatWest Reviews

Mohammod Uddin
June 26, 2022

“Not a single time have i called natwest and had a pleasant experience”

Not a single time have i called natwest and had a pleasant experience. The waiting times are ridiculous and once i finally do get through, im always sent to another department, many times it has been closed or the wrong department so i would have to go through that whole process again. Most of your customer service employees are incredibly rude and are not at all sympathetic to my situation and everytime i ask questions, i would recieve different answers from different employees. You guys have put a closing notice period on my account without informing me, if i hadnt called about something unrelated i wouldnt have been aware. A similar thing happened to me 2 months ago where natwest held my funds, no direct debits were being made and no answers were being given to me from the branch or customer service. Again i had received no warning that this was to happen. I would not feel safe leaving my money with natwest because i have been banking with you guys since i was a teen and without any reason nor warning your closing my account after putting me in one of the most stressful situations in my life because the time they were holding my funds (without telling me) i was on holiday and Natwest were basically completely useless. I cannot believe that a bank that is part of the big 4 is allowed to treat there long term customers in this way. On top of all this ive been charged for late transaction fees from the bank for all my direct debits, after confirming with a branch worker that my direct debits were being paid. I was then met with more fees from my car insurance and my phone contract for missing payments which i was assured was being made. The amount of issues natwest has caused me makes me feel disgraced to be part of this bank for so long.

Derek Matthews
June 24, 2022

“Went to branch for information. They could not help just told me to get the APP”

Went to branch for information. They could not help just told me to get the APP.
Did not have a phone that would take an App. Went to pay in a cheque on Saturday morning.. closed. Went again on Wednesday morning at 9:30. Do not open till 10. waited until 10:04 somebody came and said could not let us in as a machine was not working. I explained my displeasure with NatWest and started to ask how long the delay would be but the door was slammed in my face and just left there on the pavement. The next question would have been can I come in and sit as I am over 75 with a painful medical problem. Gave up. Extreamly frustrated. Will now change banks.

Siraj Munir
June 12, 2022

“Many other banks my friends just not NatWest!!!. Atm provider has said no error on cash machine means I LOSE MY money”

Many other banks my friends just not NatWest!!!. Atm provider has said no error on cash machine means I LOSE MY money. For a genuine cash withdrawal. Closed my account I recommend everyone to close the account and move to a high standard bank.

Jade Douthwaite
May 11, 2022

“Used for years and find the app and face to face services always helpful and management of my money easy”

Used for years and find the app and face to face services always helpful and management of my money easy. Excellent bank.

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NatWest Accounts

First Saver
First Saver
Savings
Monthly Fee
0.35%
Interest Rate
Overdraft
Overdraft Rate
Fixed Rate ISA
Fixed Rate ISA
Savings
Monthly Fee
0.10%
Interest Rate
Overdraft
Overdraft Rate
Cash ISA
Cash ISA
Savings
Monthly Fee
0.01% , 0.10%
Interest Rate
Overdraft
Overdraft Rate
Premier Select Account
Premier Select Account
Current, Premium
Free
Monthly Fee
Interest Rate
Overdraft
Overdraft Rate
Everyday bank Account - Select
Everyday bank Account - Select
Current, Personal
Free
Monthly Fee
Interest Rate
Yes
Overdraft
39.49% EAR
Overdraft Rate
Premier Reward Accounts
Premier Reward Accounts
Current, Premium
£2
Monthly Fee
Interest Rate
Overdraft
Overdraft Rate
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