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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)

Still waiting....

Six years ago I was planning to propose to my then-girlfriend (now my wife). I visited my Natwest branch to ask for an overdraft to temporarily cover the cost until my next payday, however, due to an administrative error, my account was still down as a child's account, even though I was 20. They promised to get it changed and to give me a call once it was done so they could arrange the overdraft. Many prompts and over a month later, I realised that they weren't going to keep their word and still hadn't updated the account, so I left them. Very disappointed in them. Reviewed on: 22nd April 2015

Lack of communication, could be a great account if they tried

For a bank account its not bad, however there could be improvements. They charge £6 a month plus interest to go into an agreed overdraft. Barclays do not charge up to the first £200. I have been with the company over 10 years. I was never informed that they would start charging me £6 a month, and when i emailed to complain i was just refunded the charges without a reply. Thank you for the refund, but a reply would have be appreciated to. Reviewed on: 21st April 2015

Typical legal swindlers

I'll never forgive them for charging me £55 for going overdrawn. Whether it's in the smallprint or not, most of their charges are aimed at people in financial difficulty. Over 30 years they've managed to erode any sense of loyalty I might have once had. Competent and reliable but would sell you down the river for a fast buck. Their ads showing how caring and helpful they supposedly are leave a particularly sour taste in the mouth. Reviewed on: 9th April 2015

Change of address is far too challenging

Natwest have continued to breach data protection by not changing my address details, and sending multiple mailings to my old address. This is despite numerous calls, visits to branch and emails. They have apologised with a payment of £180 (thank you very much!!!) but still haven't actually fixed the issue. Reviewed on: 8th April 2015

great customer service

great customer service, helps out instantly and very worthy Reviewed on: 24th March 2015

brilliant

This company is brilliant, good customer service on a daily basis Reviewed on: 24th March 2015

Need to work on knowledge skills and customer service over phone, and improve Internet banking errors

The bank has some good aspects like the convenience of the card reader, however I found every time I have had a problem there customer services and knowledge has been poor. Also the online banking is always having problems. If the Internet banking is not working or has a error you have to fax to make international payments, which I use as I am currently travelling Australia. I was told because of a error with their online banking which stopped me from making a international payment I had made before, I would have to Send a fax. I expalined I was travelling and was unable to do so. They showed no empathy and had no knowledge why the Internet wasn't working! Leaving me without access to my money. If you are going to bank with them have a back up account, because while travelling I have been unable to access my account online and had to ring many times for enquires costing me a lot of money on phone calls! Reviewed on: 8th January 2015

Branches closed at key times, staff apethetic.

Branch staff unhelpful and apathetic, very poor opening times; closing and 4pm weekdays and not opening weekends when other banks in the town are open is extremely unhelpful. Reviewed on: 23rd December 2014

I've never had any problems at all with this bank

I've never had any problems with this account, Natwest service has been great Reviewed on: 15th December 2014

Underwhelming

The app should offer basic functionality like setting up new payees (especially utility companies...)> Also - the 'pay a contact' feature doesn't support payM! Reviewed on: 14th October 2014

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