NatWest Basic Account Reviews

Malevolent scrutiny!

Utterly disappointed with the ridiculous policies the bank implements....

Utterly disappointed with the ridiculous policies the bank implements.
When you withdraw a large sum of money (apparently for Natwest 3000 is large) you have to tell the bank what you are going to use it for! What? and how is it your business at all? You would not even have this money if I did not decide to place it into my natwest account! Naughty and potentially discriminating! I wonder if they apply the policy in Westminster or Notting Hill with their thick pocket clients?

BeataLevel 1

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A nightmare to deal with them after a bereavement

I was living overseas, and both my wife and I had Natwest accounts. Natwest first demanded I provide information while refusing to say why but with the threat hey would close my account if I didn't give it to them. They refused to tell me where to...

I was living overseas, and both my wife and I had Natwest accounts. Natwest first demanded I provide information while refusing to say why but with the threat hey would close my account if I didn't give it to them. They refused to tell me where to send it saying it would be in an email that they didn't send, and when I rang the second time and they started again I hung up.

My complaints on the way the calls had gone only focused of course on the fact that I hung up, it ignored that I was practically begging them to tell me over the phone where to send what they wanted.

Natwest have a habit of that, listening and reading only as much as they want, with an attitude 'if you don't like it go to the ombudsman'.

They closed my account anyway, and made clear, they were under no obligation to say why!

My wife they just wrote and said they were closing her account, very sorry etc., but they also wouldn't say why. It was an account I was putting money into pay for her cancer treatment, I asked them not to, they ignored me completely and they did of course close it, and put the funds into some dormant account. She couldn't do anything with the cheque they sent because she had no other sterling account.

She passed away from the cancer, and since then it has been a battle with natwest all the way. First writing to advise them she died, which they simply acknowledged. Ringing them up, the person on the phone refused to tell me what to send to get the money that was in the dormant account back, but I could write to Bereavement Services (BS).

The BS department ignored every part of my letter and just sent me the same response I already had.

I rang them up about this, complained no one read my extensive letter, and I was then promised a cheque would be sent out.

I also at the same time complained.

When nothing arrived, I got back onto them yet again, only to be told now, I needed to get a Grant of Probate, in order to protect the customers funds. Err, that is the dead customer, whose funds were put into the account by me, from my own natwest account?!

I finally received an email telling me I needed to get a grant of probate.

Someone also rang me to discuss this, but by now, with natwest lying to me, refusing to tell me what was needed, lying to me again, when the person on the phone started with the usual garbage about recording the call for 'training and quality', I lost it, and hung up.

I emailed them asking for details of the money that was in the dormant account so I could get it back, but that was ignored.

I received then a letter that ignored most of my complaint, said they had no idea what happened, but I needed to get a grant of probate. They failed to tell me anything usefull that would be necessary to get that grant of probate.

I emailed again, and was ignored.

I made another complaint, which was in December, and I've only received the response now 8 weeks later 18 February, telling me I hung up them so it was my fault I didn't receive information.

However, finally, after 4 months of constantly contacting this bank, I finally have the information I need to do what the bank demands I must do in order to get my own money back!

Oh, they also said, where I complained about their response to the first complaint, they 'think it was fair'.

Yeah, I'm sure they do.

There are so many reviews of how this bank behaves towards customers, this approach that I have dealt with seems now deliberate policy.

I would hope the ombudsman does something, and yes I have made a complaint, but I don't hold my hopes too high that this arrogant bank will be brought to heal.

If you have an account, I really recommend moving to somewhere else.

John SmithLevel 1

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Once fine banking but these days not always

In the old days, despite less sophisticated systems, you could be more sure of things going well, and of there was a problem you could pop in to a local branch anywhere. Today things go wrong too often - latest my account yet again blocked for...

In the old days, despite less sophisticated systems, you could be more sure of things going well, and of there was a problem you could pop in to a local branch anywhere. Today things go wrong too often - latest my account yet again blocked for security reasons [yet again] - and you have to telephone to sort things out, not easy when you're abroad. It seems the only way to get responses is by formally complaining. Nat West Twitter is quite good but as they say there are only a few things they can do. In this day and age I would have expected much better, especially if it is the bank that cutts off access to my account, surely it should contact the customer to explain why and to put right?

John LowrieLevel 1

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Poor

Applied for an account online, completed all financial information, then they asked for ID, so as I was busy didn't complete that section for a while and I got text messages and emails over and over and over, that you are unable to reply to(as I did...

Applied for an account online, completed all financial information, then they asked for ID, so as I was busy didn't complete that section for a while and I got text messages and emails over and over and over, that you are unable to reply to(as I did try)(noreply) until they said unless I send the ID they will end the application, strange way of getting new business to threaten customers. So my wife and I sent in the ID before the deadline and then they decline to give us an account as we didn't meet the criteria. What a load of rubbish, if we didn't meet the criteria they knew that before they got our ID. Will never use Natwest or RBS now for business or personal banking. Been with Santander for 20 years but thought it was worth checking the market in case other banks offered more, turns out it was a mistake to try Natwest. Avoid , as if they push and treat potential customer this badly imagine what they would have been like if I had become a customer. Dodged a Bullet. Ps. This is not because of anything financial as my credit score is top notch, so they have some weird criteria , perhaps they weren't going to be able to rip me off so didn't want my custom.

J HawkinsLevel 1

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Shocking

I was contacted by fraud and chargeback to contact them which I did. It still wasn’t sorted, my online banking was disabled, I ended up calling everyday for over a week. I kept getting told I would get a call back and it would be sorted, it never h...

I was contacted by fraud and chargeback to contact them which I did. It still wasn’t sorted, my online banking was disabled, I ended up calling everyday for over a week. I kept getting told I would get a call back and it would be sorted, it never happened. They made me very angry and upset. I made a complaint, waiting for the outcome.

BeckyLevel 1

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Nightmare with customer service

I will be short and not to go into details. I was blocked by rude agent and my nightmare journey has started. My money was locked and so on. I have never had to deal with such a rude customer service. Bank has a right to block me and ask me to go to...

I will be short and not to go into details. I was blocked by rude agent and my nightmare journey has started. My money was locked and so on. I have never had to deal with such a rude customer service. Bank has a right to block me and ask me to go to the branch but it doesn't have the right to be rude to me or not to offer me a solution when i'm abroad. Banking with several banks and traveling a lot, every few weeks, I would experience problems for security reasons but never rude agents or incompetent ones. Six banks and five is perfect and Natwest rubbish.

VedranaLevel 1

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Do not manage nor care for victims of fraud

Absolutely disgusting company! I am the victim of fraud and Nat West have breached every FDA rule I can think...

Absolutely disgusting company! I am the victim of fraud and Nat West have breached every FDA rule I can think of!

They allowed a fraudster to open an account at my address and send the card to a random address which is now linked to my credit file and they (NatWest) has the audacity to write to me 3 weeks later telling me the case has been resolved and that they believe the account is genuine, despite sending me this letter to my current address not the frausters, that they sent the card to.

I can’t pass security as I don’t have the debit card, sort code or account number and why would I? t’They haven’t sent this to my address!! Which means in turn I can’t posibly identify myself and I can only summarise from their pathetic reply that the fraudulent account is still active and the fraudsters are racking up a bill under my name!

I have rang and get diverted to many different advisors that are absolutely clueless, they have no policies in place, they won’t share their policies to show me how someone has opened an account in my name and how they possibly could have sent the card to a different address???

I have never ever dealt with such incompetence from a company that should is financially regulated, is an authority that has a duty of care to the public and should be highly regulated!

These are basic financial laws that Natwest are braking! You (the organisation) can only send something to the address it was credit checked! If this was the case it should have been sent to me and I would have called 10 months ago! but no I find out by chance via my own credit file that I am the victim of fraud!!

My next step is to request all information they have on the fake me under GDRP! As they won’t tell me their processes and policies but hopefully this way I will find out what ID these fraudster used!!

I have in addition and because of NatWest raised a crime with action fraud to be told that identify theft is not a crime!! WHAT!! Only NatWest can raise this and apparently they think the account is genuine???

- Having the fraudulent address on my credit file I rang the police surprise surprise not interested!

- Paid for a CIFA alert on all my credit file which apparent protects me against future fraud, yet NatWest don’t even think this is fraudulent! How am I the victim supposed to understand that comment!!

- Paid for my credit files with all 3 major companies

- Now paying £15 month with Experian to immediately alert me of any activity on my account

Yet none of this is sufficient for NatWest!!!

-Raised a complaint with the financial ombudsman 3 weeks ago and yet to hear anything back? I will be following it up tomorrow.!!


Tell me what is the point in the law if it allows for the banks to screw the honest! Take no responsibility or accountability and penalise the innocent and honest ones.

I am going to ensure NAtWest is held accountable and will do everything humanly possible to fight this and ensure everyone is made aware that this is a dishonest, incompetent bank that should have no place in the UK! It’s about time the regulators did something about this shambolic company!!!

Not even a customer and I would never ever ever recommend anyone to bank with these Charlatons!!!!!!

AdeleLevel 1

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Appalling customer service

Appalling customer service. Cashiers too lazy to actually attend to customers, telephone customer service staff whose entire function seems to be to act as an...

Appalling customer service. Cashiers too lazy to actually attend to customers, telephone customer service staff whose entire function seems to be to act as an obstruction.

The word "service" seems to be an unknown concept to them, from the top of the company to the bottom. I rather suspect that the word "customer" will soon become the same.

WhateverLevel 1

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Good incentive to switch.

Applied online to open a new account. Had to arrange a meeting to fully open the account unlike other accounts I have opened despite previously banking with NatWest. Sadly had to wait for card reader as I do not like banking via apps.

Laura SmithLevel 2

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Beware

Terrible Customer Service - don't even think of telephoning a simple query

Mike1312Level 1

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Excellent Customer Service

Warm and personalized customer service with heart, always leave a conversation with their team with a smile

Claire RowanLevel 1

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Not good if you get into financial difficulties

I had a bank account and loan with NatWest many years ago. I got into financial difficulties and did struggle to keep up the payments. NatWest continued to take payments from the account which did not have enough money in it at the time. Then charged...

I had a bank account and loan with NatWest many years ago. I got into financial difficulties and did struggle to keep up the payments. NatWest continued to take payments from the account which did not have enough money in it at the time. Then charged me interest because the payments were not met causing the account to go further and further into debt.

Sheena ReadLevel 1

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Great service

Always great customer service and a bank you can trust.

Anneka Davies Level 1

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Unhelpful overcharging

Not too happy to be honest Natwest is absolutley rubbish to bank with

Sarah HallLevel 1

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Brilliant bank

Brilliant bank who really value their customers

collinsg1704Level 1

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10 years of problems

From 16-18 i had an account with natwest. I opened a TSB account at 18 and stopped using my natwest one. I was knocked back for a couple of car finances, wondering why i began a search. I found that i owed natwest nearly £3000. Not having a clue why, ...

From 16-18 i had an account with natwest. I opened a TSB account at 18 and stopped using my natwest one. I was knocked back for a couple of car finances, wondering why i began a search. I found that i owed natwest nearly £3000. Not having a clue why, i contacted them. I had a bounced DD fee from the transition period to TSB, which i had been totslly unaware of, no contact at all! This had been building and building over the years and they now want £3000. I'm currently in the process if paying it off, but can't even get a mortgage until it's all over and done with. Avoid at all costs! Use ANY other bank. Keep your cash under your pillow, use loan sharks, its safer.

GeordieladLevel 1

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natwest is just easy

and they work accross several devices

xavierLevel 1

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GreT

Love NatWest they are bey helpful

Catherine Whetton Level 1

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Straightforward NatWest Review/Comparison

Being an octagenarian technophobe I appreciate being 'nursemaided' through the on-line switch process last January. Moreover, mercifully, setting up and using the app proved to be a doddle. I especially like the fact that, unlike Lloyds Bank, whom I...

Being an octagenarian technophobe I appreciate being 'nursemaided' through the on-line switch process last January. Moreover, mercifully, setting up and using the app proved to be a doddle. I especially like the fact that, unlike Lloyds Bank, whom I dumped after over fifty years' custom (though that was about six years ago), NatWest don't automatically address me by my first name (over-familiar) but take the trouble to ASK how I wish to be called; furthermore, NatWest eschews being'matey' - irritating in the extreme - by enquiring of a completely stranger about the state of my health; none of your business thank you very much, stick to purpose please. They do. Well done

Mr David HughesLevel 1

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Straightforward NatWest Review/Comparison

Being an octagenarian technophobe, I particularly appreciate having been 'nursemaided' through the on -line switch process when I signed up with them in January this year. Also, despite aforementioned tech fears, their app is very simple to use....

Being an octagenarian technophobe, I particularly appreciate having been 'nursemaided' through the on -line switch process when I signed up with them in January this year. Also, despite aforementioned tech fears, their app is very simple to use. However, what I like most of all about them when I call Customer Services is that they unfailingly take the professional courtesy to ASK whether or not it's alright to use my first name. Being unapologetically 'old school' I always thank them and request that they address me by my surname. About six years ago I left Lloyds Bank after nearly half a century's custom for a number of reasons but the thing that powerfully decided me to dump them was that, without exception, they a-u-t-o-m-a-t-i-c-a-l-l-y assumed that it was ok to immediately call me by my first name. No it most definitely is not! It's ove-rfamiliarity and I intensely dislike it. Furthermore, they also
irritated me by often enquiring after my health - none of your business thank you very much. Fine if you're regularly dealing over the counter with your usual teller but absolutely not if, over the phone, you're invariably speaking to a complete stranger - far too matey in my oponion. Well done to NatWest in this double connection for avoiding that sort of approach. As the saying has it, "Little things mean a lot":

They do.

Mr David HughesLevel 1

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