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NatWest: Business Banking reviews

Name: Business Banking
Rating: 3.06 (194 reviews)

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2.73

Based on 194 reviews, last reviewed 21st Oct 2025

No new 5 star reviews

in the past 90 days

200% 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

This is a terrible bank. This is a terrible bank. I had business banking with them and in covid took a bounce back loan as I had to close my business. having really struggled ... Read more Reviewed on: 21st 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 (194)

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

Disinformation

Numerous phone calls to resolve an issue, given different information each time. Promised callbacks that never happened. Demand letters received from different departments, resulting in more calls and more disinformation. Made a complaint and they couldn’t trace recordings of my calls. Useless. Reviewed on: 1st August 2024

Worst experience opening a business account.

Worst experience opening a business account. Terrible communication waited 5 months and called them up numerous times. They had the wrong email which I gave them asked for my information which I gave them no reply had to call up again saying the wrong email. Handler doesn't respond to questions eventually I told them to leave it ill try another bank Avoid Reviewed on: 21st June 2024

Business Profile service have frozen my account, are...

Business Profile service have frozen my account, are mostly incredibly unhelpful on the phone, pot luck if you get someone slightly more helpful. Effectively de-banked by freezing my account, then struggling to close it as it is frozen. Reviewed on: 23rd April 2024

We had a few issues switching bank details in our ch...

We had a few issues switching bank details in our charity account when we changed treasurer. Once we got in contact with the right number we managed to sort it all a d we now have the banking app too. Reviewed on: 6th April 2024

Nowhere near as good as Revolut, sometimes hard to c...

Nowhere near as good as Revolut, sometimes hard to communicate and can't understand what is being said, I think the is down to Language barriers Reviewed on: 12th March 2024

Nat West provides a good straightforward service

My business bank account is easy to use, the layout is approachable, the service is well supported. The international business I do is always completed without complication and the follow up service is reliable. The costs are low for a really good service Reviewed on: 25th February 2024

4 weeks and account not opened

Was trying to open a businesses account. It took ages for a reply. Then been asked several times for same thing. At very time was waiting several days for reply that usually leads to another question. After 4 weeks an account wasn't opened so I went to another bank and opened it in one day. Reviewed on: 22nd February 2024

Chaotic, unsupported, disinterested, unhelpful

Chaotic, unsupported, disinterested, unhelpful, and a significant negative impact on the business. Never will I bank with NatWest again Reviewed on: 16th February 2024

Horrified.

Having worked in the sector as both an employee and a consultant I am quite sure Natwest is the worst performing bank in the UK. Reviewed on: 19th December 2023

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