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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:

Good enough

I opened a joint bank account with my husband shortly after getting married. Everything was easy enough and straight forward, app all good and customer service was friendly. The only downside is we were assured that opening the account wouldn’t affect our credit files as we were building credit for a mortgage application. It did affect it, as they carried out searches to open the new account, which dropped our credit by several dozen points for over 3 months. Very frustrating as the advisor seemed very convincing. Perhaps she believed it wouldn’t affect it, if so, additional ongoing training should be implemented. Reviewed on: 29th March 2022

Good very good best and wonderful.

Good very good best and wonderful. Reviewed on: 26th April 2025

Card cloned at ATM and rectified same day

we had our debit card cloned from a ATM and Natwest had it all sorted and our account balance restored within the same day. The app is great, lets you know instantly if your account has received a transaction.. you can review it before it automatically gets taken out.... great piece of mind Reviewed on: 21st April 2025

Loving the rooster cards for my kids!

Loving the rooster cards for my kids! A great way to track chores and give them pocket money Reviewed on: 21st April 2025

Still have a high street presence

Still have a high street presence Reviewed on: 15th April 2025

They do everything I need as a student

They do everything I need as a student Reviewed on: 12th April 2025

Unbelievable.

Unbelievable. Been with them for years. Would never change. Reviewed on: 11th April 2025

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 then, I’ve ended up with three accounts: a basic current account and two savings accounts. While everything works fine on a functional level, the overall experience feels a bit uninspired. The interest rates on savings are especially disappointing, making it hard to see much value in keeping multiple accounts with them. It does the job, but doesn’t offer much beyond the basics. Reviewed on: 11th April 2025

My basic account does everything that I need it to do.

My basic account does everything that I need it to do. Whenever I’ve had an issue, the customer service team have helped me efficiently and professionally. Reviewed on: 8th April 2025

Love NatWest, they are a great banking app, love the...

Love NatWest, they are a great banking app, love the layout of the mobile app and how simple it is to use. Also have great account options for students and savings accounts, they are the best banking app. Reviewed on: 3rd April 2025

Used the NatWest for over 20 years

Used the NatWest for over 20+ years. Majority of my banking is satisfactory but not when it comes to going on holiday. I always advise the bank of my travel dates and they still let me down by allowing payments on my card when I am not in the country. My card was scammed and they blocked my card without contacting me leaving me without money on holiday. I found it impossible to contact them on the phone and I didn’t have access to the internet. What’s the point in notifying them of holiday plans and dates . Reviewed on: 3rd April 2025

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