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NatWest: Black account reviews

Name: Black account
Rating: 4.13 (235 reviews)

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4.13

Based on 235 reviews, last reviewed 20th Aug 2026

33% decrease in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

82%

Latest highest rating:

5

They have always been professional with me, any doub... They have always been professional with me, any doubts and problems, they have always been quick to resolve and give answers Reviewed on: 20th August 2026

Latest lowest rating:

1

I recently experienced raising a dispute through Nat... I recently experienced raising a dispute through NatWest, and I have to say, the process has been incredibly complicated and frustrating. The process ... Read more Reviewed on: 18th November 2025

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About this product

The NatWest Premier Reward Black account charges a monthly fee in return for a wide range of benefits.

Benefits include a concierge service, discounts, insurance policies and cashback. You’ll need to meet the income, savings or mortgage limits to be eligible for the NatWest Premier Reward Black account.

NatWest Premier Reward Black account reviews help you find out what it’s really like to be a customer. If you’ve used NatWest before, you can also leave a review and share your experience.

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NatWest Black account reviews (235)

The free travel Insurance is substandard

We tried to claim for a lost hotel booking resulting from a flight cancellation. Most policies would cover this but NOT the Nat West black travel insurance. Avoid because you can get a much better policy for a good price! Reviewed on: 2nd November 2022

Disgraceful

This has been completely unacceptable. Our Ukranian guest tried to open an account in Stockport branch 7 weeks ago. It has now transpired after numerous visits to the branch along with numerous assurances the card will be with us soon that the application has gone missing. We are now completing yet another application which has taken over an hour. It would seem that the branch IT system cannot trace account applications!!! A friend of ours who is sponsoring a recent arrival went to HSBC after hearing about poor service from NatWest. The account was open within a day. Avoid NatWest at all costs and go to HSBC...or anywhere tbh. Update... absolutely unbelievable. Iryna just got the email link to try and open an account and yet again it asks for ID that she can not possibly provide. I'm absolutely furious with these clowns, it's almost like they are in cahoots with the government to make things as difficult as possible. It took three days to open a Monzo account. HSBC it is. Reviewed on: 26th June 2022

Mixed benefits

Dragonpass poor; travel booking service staffed by people who know little about the services they sell - for example, no-one can tell me cancellation policy on car hire. Good: travel and car breakdown insurance (only had to use latter). And is it me, or do all these glowing reviews about the app (does it also make tea?) sound somewhat similar? Reviewed on: 25th April 2022

Great account and app

The black account with NatWest is by far the best bank account I've ever had - the benefits are superb and the app is so easy to use. Highly recommended! Reviewed on: 24th March 2022

Easy and Effective app

Black helped with phone loss, and mobile app was easy to use Reviewed on: 24th March 2022

Genuinely the best banking app

Many fintechs try to compete - but they only offer part of what NatWest does. It's great app overall. Reviewed on: 28th February 2022

App is the best

The app is best in class. I love the new features including being able to get rid of my card reader as now can use biometrics to carry out high security transactions Reviewed on: 3rd February 2022

Dragon pass no benefit

Dragon pass is only any use as benefit in airport lounge if WHEN YOU TURN UP THERE IS SPACE IN LOUNGE. There never ever is and unless you prebook and pay extra to pre book you don't benefit. So the dragon pass is giving you a supposedly free benefit that you still have to pay extra for pre booking to be able to get the benefit. The Black account holder should be able to Pre book with no extra charge if holding dragon pass for this to be a real benefit. Disappointing that this benefit is actually at a cost to be able to use properly Reviewed on: 15th December 2021

I dislike the changes at branch level

They have closed my local branch. Reviewed on: 11th March 2021

Great app and proactive service

The app just keeps getting better and better. The Black Account benefits are tremendous too! My only suggestion is that with the current Covid travel ban the travel-heavy benefits could be reassessed. Reviewed on: 26th February 2021

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