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NatWest: Black Account reviews

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4.22
Based on 231 reviews, last reviewed 27th Feb 2026
300% increase in 5 star reviews
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100% decrease in 1 star reviews
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Latest highest rating:

5

Reward Black Fantastic value for money considering the benefits this account provides. The Cashback on theatre tickets and lounge access alone more than pay for th... Read more Reviewed on: 27th February 2026
Daniel Owen's avatar
Daniel Owen

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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Madalina M
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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 (231)

Initially excellent, now slowly chipping away at the idea of value and exclusivity

3
There's nothing fundamentally wrong with Nat-West Private. Any diligent customer can work out fairly easily whether the bolt-ons are financially worth it. The insurances in particular are best-of-breed (particularly mobile phone insurance if you have an expensive smartphone), and provided you travel every now and then, it adds up fairly well compared to the cost (and hassle) of buying individual policies and services from multiple providers. Equally, that doesn't differentiate NatWest from other banks; and in the years I've been a member (it has changed names - I signed up in the days of NatWest Black), the benefits have been gently chipped at. But most importantly, the original reason I signed up for then-Black, now-Private was a single important thing which is no longer there: the ability to speak to a named bank manager. Someone who knew me, my account, and could solve problems for me. That was rapidly withdrawn, and it is a loss to relationship banking. Separately, NatWest customer service over the phone is superb. The call centre staff may be frustrated by procedure at times, but I have never felt let down, they always call back, answer the phone quickly, and try to handle things. Unlike HSBC, they are also all UK based. I cannot fault the service team in the slightest. So, a mixed bag: good people on the ground, for a product which isn't quite as good as it originally promised. Reviewed on: 12th October 2014
Nick's avatar
Nick

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