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NatWest: Basic Account reviews

Name: Basic Account
Rating: 4.61 (2094 reviews)

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4.49

Based on 2,094 reviews, last reviewed 12th Apr 2025

2200% increase in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

78%

13%

Latest highest rating:

5

They do everything I need as a student They do everything I need as a student Reviewed on: 12th April 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 (2094)

Easy to use, basic set-up.

This account is perfect for simple everyday use. Simply put money in your account and withdraw when necessary. It's easy to use, easy to transfer money to others and perfect for on-line shopping . Definitely recommended this to about four people already! Reviewed on: 24th December 2015

Easy Online Banking

I bank with multiple banks and NatWest's online banking is by far my favourite to use. The app is simple but informative on both my current account, and my credit card. It gives the ability to get cash from a NatWest ATM without the need to carry a debit card. The online banking website is straightforward and easy to use. It provides easy to view recent statements, and I can view accounts side by side if I like. Compared to other banks, NatWest have always been my favourite for online banking. The only reason I have dropped a star, is due to the need to use their little card reader when I have to add a new payee to my account. It's a bit fiddly but not really complicated. Lloyds method of using an automated call is preferable. Reviewed on: 12th December 2015

brilliant bank

i have been a natwest customer for around 35 years and i can honestly say that ive never had a problem,my money is safe and secure,all staff i have dealt with have been brilliant.online banking is very easy to use and both my 2 kids have also joined natwest since birth Reviewed on: 5th December 2015

Overdraft facility request denied

When my husband and I got separate bank accounts as we were splitting up ,I chose the NatWest and he choose Barclay's . On opening his account he was immediately given an overdraft facility of £250 with a reserve of a further £200 emergency fund he can draw on .This was because changing our wages to a new bank might cause a hiccup and bills due out risked being unpaid . As I said I chose NatWest but when I opened the account I was totally refused any overdraft facility even though I only asked for £100 .My wage was higher than my husband annually by several thousand but he was granted his and I was refused . The same circumstances were explained to the bank manager but in my case I felt frustrated by the lack of understanding . Reviewed on: 4th December 2015

Excellent local bank, really wonderful when my relative died and I had to release funds for the funeral

Nat West bank staff in Ashford Middx were absolutely wonderful when I had to close a relatives' account when they had died and release funds for the funeral. Their customer service was outstanding, sensitive and I could not have asked for better. A personal touch and the absolute best of our local banking service. Reviewed on: 27th November 2015

Great Staff

Staff at Natwest Wantage Oxfordshire are really friendly, I had really bad credit ( business loss ) and struggled to get a Bank account they helped me and made sure I got the account that I needed and went out of there way to get me it. Reviewed on: 24th November 2015

Love the staff in our branch!

We do banking daily in our branch so know the ladies in there quite well, they are super friendly and often ask after our girls and how our holidays have been. We are always greeted with a smile and would never bank anywhere else! Reviewed on: 20th November 2015

Always very helpful

I've been with NatWest for years and the time all my money got stolen through my PayPal being hacked NatWest sorted it out and put the money I had lost back into my account. Very trustworthy, great that you can phone them any time of day. Reviewed on: 20th November 2015

Customer service is poor

I have been with Natwest for several years now and only this year I have began to have problems with Natwest, I have had some missing payments which were eventually investigated months after complaining! The customer service were not interested and transferred me through to the complaints department who couldn't understand English Several times I have had available funds showing on my account which shouldn't have been showing as available and have then went on to cause me to become overdrawn. Reviewed on: 20th November 2015

a fantastic branch

I have been with Natwest for 4 years now and each and every time I have ever had a problem they are quick to solve it. I can get access to my account on a very easy basis and if I ever forget my card I can still get my money by texting myself a code and I then have 3 hours to use it. Its very easy to get appointments with the staff at Natwest and its also very easy to access there services and to open new accounts. So overall a fantastic branch to be with. Always recommend them Reviewed on: 4th November 2015

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