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NatWest: Basic Account reviews

Name: Basic Account
Rating: 4.61 (2098 reviews)

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4.50

Based on 2,098 reviews, last reviewed 26th Apr 2025

2600% 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

Good very good best and wonderful. Good very good best and wonderful. Reviewed on: 26th 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.

NatWest Basic Account reviews (2098)

Review of the NatWest, Basic Account:

Reward Account

Recommended.I switched from TSB and received £125 and as the account has 2% cashback on many bills I have received £5.91 a month since although you do pay £2 a month for it.The only drawback is you must pay in at least £1500 per month to qualify. I am not keen on the card reader to set up bill payments but their telephone number is freephone and their customer service is excellent and very helpful. I manage the bulk of transactions online and you can use an app if you prefer, I have switched bank accounts 4 times and without doubt the Reward Account is the best so I do not think I will switch again. Reviewed on: 23rd November 2018

Meets the essentials

Does everything you need to but the app can be confusing to navigate if you're not technology fluent Reviewed on: 13th January 2025

Loss of funds and appalling service

First they declared my bank account dormant. Closed it and took all the money. It's almost impossible to contact their customer services. They don't answer emails. Their chatline doesn't work and you can't change your phone number to make a complaint because the website crashes Reviewed on: 27th December 2024

They seem to have the time to listen to what you hav...

They seem to have the time to listen to what you have to say...This in itself,is the most important coustomer relation Reviewed on: 5th December 2024

Poor customer service

I've been a client with the bank for 14 years but the service throughout especially when it had to do with scams that can happen in someone's life was really poor. Even for the case I indicated explicitly the scamming institutions they preferred to do nothing. It's an archaic institution. Reviewed on: 3rd October 2024

Calling the bank used to be easy.sy.

Calling the bank used to be easy. Now you get an ear bashing and forced to listen to negative reasons why ringing up is a bad idea. It leaves you feeling very angry and totally abandoned. Reviewed on: 3rd September 2024

Paying the price as a victim

I was taken in by some bit coin scammers. Natwest ear marked me as a money launderer and closed my account without warning or explanation. No one at branch level would speak to me or point me in a direction so I could defend myself, or get an explanation. This is still affecting my otherwise good credit rating and I cannot work out how to get it sorted Reviewed on: 30th August 2024

Appalling treatment of the recently bereaved.

Their bereavement website clearly states, in large letters: "We want to support you at this time" Nice sentiment—what a shame it is a bare-faced lie. On April 3rd of this year I notified NatWest of my mother's passing. I got a letter saying what was required. I sent in all the documents. (BER0312009) (BTW, since then, I have I sent all the documents requested, on FIVE separate further occasions.) After about six weeks, I got another letter (apparently no one at the bank has email… why?) stating I need to get my passport identification signed, which i did. It wasn't easy. I live on a small Gulf Island on the west coast of Canada. It took me two ferries and an entire day to reach my bank and have them do what was needed. Their Cora AI bot is a nightmare, but the one time the connection held, I was informed all the correct documents had been received, and the account would be closed by the bereavements team as soon as possible. But, oh dear, it was another lie. Five weeks later I heard my proof of address was out of date. (Of course it was, I had sent it MONTHS earlier by that point.) So I sent proof of addresses from the phone company, the cable company, the insurance company, AND the utilities. Yesterday I got another letter. Now, apparently, the proof of address also needs to be signed and stamped. There was no mention of this in the initial letter of requirements. And, as I said, the person on Cora said everything was okay, EIGHT weeks ago. I am at my wits' end. NatWest’s treatment of bereaved seniors is a new moral low — even by big bank standards. Reviewed on: 26th July 2024

Anything I've tried to do has been complicated and f...

Anything I've tried to do has been complicated and frustrating. Given inaccurate advice (like to get a better interest rate, empty your ISA into your current account), the chatbot makes you want to stick pins in your eyes, customer service is just appalling and they really do not care. Starling bank are an awesome alternative! Reviewed on: 9th July 2024

Blocked my account for 2 days.

Blocked my account for 2 days. To help me. Said would get text to deal with the however, never did. Be warned if it happened to me it can happen to you Reviewed on: 8th June 2024

Patient Staff

When I had an issue with my old bank account they took the time to help me sort it all out. Reviewed on: 26th May 2024

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