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NatWest: Business Banking reviews

Name: Business Banking
Rating: 3.07 (193 reviews)

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2.75

Based on 193 reviews, last reviewed 17th Oct 2025

No new 5 star reviews

in the past 90 days

100% increase in 1 star reviews

in the past 90 days

42%

Latest highest rating:

5

I am a new business customer with NatWest and so far... I am a new business customer with NatWest and so far my experience with them and the app has been excellent Reviewed on: 28th March 2025

Latest lowest rating:

1

Very poor customer service. Very poor customer service. Setting up a business bank account is virtually impossible with inconsistent information, poor case management and a gener... Read more Reviewed on: 17th October 2025

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About this product

NatWest business banking reviews at Smart Money People are helping other business people to fund out what being a business banking customer at NatWest is really like. With business banking and aspects such as access to finance being so important to many business owners, Smart Money People is becoming the UK's leading source of NatWest business banking reviews. Remember that you can write yours too, and join our mission to increase trust and transparency in financial services.

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NatWest Business Banking reviews (193)

Very poor customer service.

Very poor customer service. Setting up a business bank account is virtually impossible with inconsistent information, poor case management and a general lack of communication and progress Reviewed on: 17th October 2025

Unwanted account still open since 2023

Requested my application be cancelled due to ridiculous questions being asked during application process - not only did they proceed to open the account anyway, I've now been trying since 2023 to get the account closed down to no avail. Customer services are rude and unhelpful, there are so many better business banking options to choose from, use literally anyone else, there's no value to be had here. Reviewed on: 8th April 2025

I am a new business customer with NatWest and so far...

I am a new business customer with NatWest and so far my experience with them and the app has been excellent Reviewed on: 28th March 2025

I love the app, it is constantly being updated and n...

I love the app, it is constantly being updated and new features being added! for this reason I love it so much.. It allows you to add other bank accounts aswell, I wish it added credit cards aswell but it is still very useful.. I find business banking in the app so easy to use, it is just a very easy app to use, I have been with natwest for ages and really like them. Reviewed on: 7th March 2025

Natwest bankline should be avoided by all businesses.

Natwest bankline should be avoided by all businesses. Any issue outside of its day to day working have no quick and easy way to resolve. I have been locked out for 5 days (for no reason), passed security over the phone to discuss the issue however the only resolution was waiting for the post to send me a new smart card and reader. This is very outdated way of operating and my business has been effectively closed for 5 days because of this terribly poor process. Reviewed on: 5th March 2025

Best bank manager ever looks after all our needs and...

Best bank manager ever looks after all our needs and the team behind also excellent service Reviewed on: 26th February 2025

Great self employed account - free accounting software

I started with NW as they were on my high street 5 years ago - they are not now (no one is) but the support for a simple self employed person has been excellent - free online accounts system is great and the simple format suits my business exactly. Yes I pay a small fee each month for activity but having simple access makes that worth the trouble, Unlike most they also do not bombard with e mails or selling stuff. Reviewed on: 26th February 2025

Great business banking

Easy to use app with regular updates to transactions. Easy to set up payments. Great customer service and no ridiculous fees. Have used business banking before with NatWest and chose to deal with them again in my current business account Reviewed on: 12th February 2025

Natwest Bankline - what a mess

We have been using Natwest Business Banking for over 30 years and recently needed a USD account. It was set up but I was told that I had to use Bankline to see it or use it. And that has a monthly fee! Eventually got it set up - what a performance. There are more PINs and passwords than you can shake a stick at and they are never going to be remembered since they have so many digits and rules. So you gotta write them down. Unsecure. Finally managed to log in and I can seee the account listed, but not my GBP account. Cannot see statements because the system says I am not authorised - but I am the only user and the admin. Tried Cora - another total waste of time. Got through on the phone and was walked throught the unintuitive method for adding my accounts......why was that not done at setup? Still cannot see statements. Then told that I have to wait 24 hours after doing things in order to let the system process and see them. Is this the 21st century? I use RBSI EQ system which does everything that Bankline does but in a simpler way with a much better user interface. Why does Natwest need 2 different systems to do the same thing? Another waste of time and money. Natwest has totally forgotten that they are supposed to be a service. Nil stars. Reviewed on: 12th September 2024

Disgusting anti-Scottish sentiment policy

I tried to open a NatWest Business account via their online registration process. This was a long and tedious process, going around in circles trying to upload my ID and being refused on several occasions, eventually the same files were approved just because I cropped them a little ! I had to wait until the following day to find out by email that my application had been declined because my business trades within Scotland. Utterly disgusting behaviour from a so called United Kingdom bank. This is the actual wording I received in their email - "Unfortunately, you aren’t eligible to apply for a Natwest Business Account as you need to have an existing relationship with Natwest or your business trading location Should be within England or Wales." note the 'should' being emphasised with a capital. This response I received after I had supplied my Scottish personal and business addresses, surely in this day and age, their computer systems could point out an all important anti-Scottish sentiment policy. NatWest is shortened from National Westminster Bank Plc. The Cambridge online dictionary definition for 'National' is - 'relating to or typical of a whole country and its people, rather than to part of that country or to other countries' Brittanica.com website defines the United Kingdom as - 'United Kingdom, island country located off the northwestern coast of mainland Europe. The United Kingdom comprises the whole of the island of Great Britain—which contains England, Wales, and Scotland—as well as the northern portion of the island of Ireland' Natwest.com website terms and conditions state - 'Unless otherwise stated on the product pages, the services and products on this website are intended for use by residents of the United Kingdom (“UK”) only and are not aimed at or intended for use by residents of any other jurisdiction. " Natwestgroup.com 'About Natwest Group' section states - "NatWest Group is a UK-focused banking organisation" I find it extremely disappointing that in 2024, I cannot open an online banking account simply because my business trades within Scotland. The National Westminster Back Plc has no right to claim that they are "National" or a "UK-focused banking organisation" Reviewed on: 10th September 2024

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