Write a review

NatWest: Basic Account reviews

Name: Basic Account
Rating: 4.61 (2101 reviews)

View other NatWest products

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

Read all reviews Write a review

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.

Review NatWest: Basic Account now

Help others make smarter decisions by sharing your own experience.

Write a review

NatWest Basic Account reviews (2101)

Hassle free account

Easy to use account along with easy smart app Reviewed on: 18th May 2016

very easy and efficient

Very easy to communicate with the staff. Reviewed on: 17th May 2016

Great provider

Always competitive and helpful company Reviewed on: 14th May 2016

Terrible poor service

I opened a basic account with natwest 4 years ago, I had wages going in for 3 years then I left work to become a full time mother and house wife! I didn't have the same income coming in to my bank account I received a letter only recently stating that my account would be closed in 4 weeks time and the decision was final there was no explanation why, I used my bank account weekly and luckily I managed to set up a bank else where or I would have been sharing a bank with my husband! I got in touch with Natwest and they couldn't give me an explanation! Terrible poor service. Reviewed on: 3rd May 2016

Hmm ... But it is just a bank

To be honest st my local bank I find the staff very 'up themselves' to put it bluntly and politely, they are always talking to each other rather than offering help to customer and now with all this self banking stuff it's more excuse for them to be lazy, it's as if you are interrupting them by asking for help. But that aside the bank its self us just that a bank and I wouldn't change because there's no reason too I know where my money is and I know it's safe Reviewed on: 21st April 2016

Easy to use

Great account for bad credit, starting out, no overdraft, chip and pin, rarely any issues with this bank. If I could change one thing? Touch base with customers more, especially loyal ones Reviewed on: 21st April 2016

Good but slow

I'm currently using Natwest as a second account, the problem with them is that they're so slow in comparison to Barclays (my main account). Transferring money can take up to 24 hours to appear in online banking, and the website doesn't seem as easy to navigate. However, they're pretty good with some of the products they offer, so worth a look. Reviewed on: 28th March 2016

One of the best customer service

Natwest has the most helpful customer service I have ever dealt with. They are always happy to help and nothing can't be put right. They protected my savings just they way I like. If my current account is low they will notify me by text so that I don't get any charges for my direct debit transactions. Twice it has happened to me and twice they funny charge me any fee when my current account was overdrawn maybe because I have 2 other savings with them & they know I must have overlooked it which I have. A quick transfer of monies onto my current account instantly put me back in charge. Like everything else treat people nicely and they will treat you with respect. Reviewed on: 28th March 2016

Simple and easy

I have 2 bank accounts and my natwest one is my favorite. It was quick and easy to do i didn't even have to go in branch just send my details off. They keep me updated regularly by email and text and the app is very simple to use. Reviewed on: 28th March 2016

Good

Would recommend natwest to family and friends very polite an understanding what I'm wanting to do we my accounts never had problems we late payments don't plan to change banks in the next 10 years very happy we my service Reviewed on: 28th March 2016

Do you have a different NatWest product?

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review

Alternative products

Current account
from Halifax 4.12 from 938 reviews
Current Accounts
from London Community Credit Union 1.00 from 3 reviews
Student Current Account
from Lloyds Bank 4.25 from 6 reviews

Want to see more from NatWest?

Life Insurance
from NatWest 5.00 from 3 reviews
Tracker Rate Mortgage
from NatWest 5.00 from 5 reviews
Natwest Rooster Money
from NatWest 4.92 from 13255 reviews

View all products

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account

News, guides and insight from our team

View resource hub