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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)

This is an easy to use account with no fee.

I love my Nat West Bank account. There are branches close to me and the online access is great to use and very secure. So secure I often lock myself out of it. Good customer service all round and no fees. Reviewed on: 2nd November 2015

Simple straight forward banking

Simple, easy to open an account online, excellent Reviewed on: 3rd September 2015

good

no problems at all with this account. Is easy to use and staff are helpful both on the phone and in branch Reviewed on: 28th August 2015

An account that will probably have all the things you will ever need, just don't risk going into the red.

Ever had a 'lite' version of software? then this could be viewed in a similar manner. Think of it as a simple bank account with no frills, so if you won't miss having the likes of a cheque book and won't need the safety net of having an overdraft, this will be an ideal account to have, and as I have found out, it is perfect for my needs, I was even assured by staff that should I need to, I can always apply to upgrade to a more flexible account in the future with a chance of being accepted. Opening up the account was straight forward enough and just needed proof such as a driving licence and proof of address such as a utility bill. The no frills of this account suited me, as it still gave a debit card I could use free of charge in ATMs, I just had to make sure that there was enough cash in my account or else I would be charged some hefty fees if I went overdrawn, but, if you are pretty disciplined with that sort of thing, this should not be a worry, but still needs to be taken into account. All in all, this does most of what other accounts do, and will suit those that are finding it hard to get an account elsewhere because of past credit issues for example. I would highly recommend. Reviewed on: 27th August 2015

Helpful and kind.

My daughter needed a bank account and we went to our local branch and they were very helpful and friendly making it a simple process. They asked my daughter questions that she could answer to help open the account and then gave her all of the information that was needed. It gave her confidence in opening an account and also made her feel grown up doing it. Highly recommended. Reviewed on: 26th August 2015

A simple bank account

I don't often use my bank account as I am a housewife. I needed a bank account that is simple to use and that has some emergency money just in case. This bank account does all those things and the staff in my local branch are very polite and helpful. I would recommend it to people who have no need of paid features or cards. Reviewed on: 25th August 2015

Excellent Customer Service

I had some financial difficulties and my account went into overdraft on 2 accounts.I rang Natwest to come to some arrangement to get my accounts back in credit.They were fantastic and removed around 70% of all charges which left me to pay a the remaining in installments which was paid up very quickly.I even received a phone call after to inform me they were able to remove extra charges.I could not recommend Natwest enough for the fantastic help they gave me.I will never use a different bank again.Thank You Natwest. Reviewed on: 16th August 2015

No complaints!

A long standing member and I have had no problems with Natwest which have not been solved. Staff are friendly and approachable. Reviewed on: 15th August 2015

The customer service is really quick and easy.

I went to the bank a few days ago to set up a new account for my daughter. The member of staff that I spoke to was really kind and helpful. She was very informative and gave me and my daughter all the information we needed to make a decision about whether to choose this bank or not. Reviewed on: 10th August 2015

My experience with NatWest is all good.

I have been using Natwest for a long time and the service with natwest is good. They do not bother you with any junk emails or offers. They get the job done straight away and the staff are helpful. Reviewed on: 10th August 2015

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