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NatWest: Basic Account reviews

Name: Basic Account
Rating: 4.61 (2101 reviews)

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4.51

Based on 2,101 reviews, last reviewed 15th Jun 2025

79% decrease in 5 star reviews

in the past 90 days

100% decrease in 1 star reviews

in the past 90 days

78%

13%

Latest highest rating:

5

Brilliant and well easy to use easy to understand... Brilliant and well easy to use easy to understand Reviewed on: 15th June 2025

Latest lowest rating:

2

Functional but Underwhelming I opened an account with NatWest when I first moved to the UK — not out of preference, but because I needed an account with a mainstream bank. Since t... Read more Reviewed on: 11th April 2025

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About this product

The NatWest Basic Current Account is a free account designed for everyday use. Account holders can benefit from a mobile banking app and 24/7 support. There are also overdraft options available.

There are a range of current accounts on the market designed for managing your everyday finances. What better way to understand which one’s right for you, than by hearing from existing customers? We collect NatWest Basic Current Account reviews to help you make an informed decision when choosing your new account.

Find out how long account holders have had their Basic Current Accounts with NatWest. Read about the main pros and cons of the account. Learn how responsive the customer service team is and how quickly customer issues are resolved. Read about the mobile banking app and the features it provides. Find out if existing customers would recommend the account to family and friends. Browse our NatWest Basic Current Account reviews to find the ones most useful to you.

If you have a Basic Current Account with NatWest, share your experience on Smart Money People. Tell us why you chose this account and how satisfied you’ve been so far. Is this your main bank account? If you use the mobile banking app, which features do you find the most useful? Don’t forget to include any experiences you’ve had with the customer service team. If you’ve had an overdraft on your account, tell us about your experience with it. Whether good or bad, write an honest NatWest Basic Current Account review today. Together, we can help people like you make better financial decisions.

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NatWest Basic Account reviews (2101)

Do not trust Natwest

Charges applied to my account even though I went in to store as was told I had enough funds. I had over 400.00 in my savings with them to which they can see and still charged me £70.00 and was told I should 've in charge of my funds better . Also had me one the phone for 1hr and 30 mins to be told this . Also changed standing order to 26th for rent had it taken out on the 26th and the 28th original date . And have been charged again another £70.00 even though it was banks mistake and standing order still not changed . Wouldn't trust this bank APPALING service and only interested in how much money they can get from you. BAD SERVICE IN STORE AND ON PHONE . APP DOWN FOR 14 DAY. Reviewed on: 21st May 2018

Daylight robbery

Scrap overdraft charges! and let people not have any overdraft if they so wish. It's totally wrong what NatWest and other banks do regarding overdrafts, just all out for themselves. Couldn't care less about people who have to struggle on a budget. Reviewed on: 27th April 2018

Good Bank

Good bank to go with, only downside is how long it takes for the mobile app to show you whats been taken out! everything else no issues and great service Reviewed on: 6th April 2018

Easy and fast switching process

Just recently switched to Natwest. I can't believe how easy and smooth the process was. Even my standing orders and paypal were switched. Reviewed on: 6th April 2018

Not great service

I had my card stolen and cancelled it right away except the thief was still able to spend £80 contactlessly which I couldn’t get back. Another time I called customer service to ask them if I could complete an action in the branch before going all the way there which I was told I could, but when I got there was informed I couldn’t and that the customer care ‘don’t know what they’re talking about’... Reviewed on: 4th April 2018

Average

Had an account with NatWest for years and although didn't have any major issues with them, there was nothing that stood out as being excellent. Was very average service I received. Whereas santander have been excellent in many ways. Reviewed on: 4th April 2018

Good bank

Good service , simple and good place to save up money Reviewed on: 4th April 2018

Decent

Never had any issues. Always well informed and internet banking easy to navigate Reviewed on: 11th February 2018

Good

It is a good bank. And they are a very helpful bunch of people. Reviewed on: 11th February 2018

Served me well over the years

The staff are always helpful, although you may have to queue for a while before you are seen. Reviewed on: 11th February 2018

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