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NatWest: Cash ISA reviews

Name: Cash ISA
Rating: 4.06 (97 reviews)

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4.06

Based on 97 reviews, last reviewed 27th Mar 2026

100% increase in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

60%

20%

Latest highest rating:

5

Always been my bank. Always been my bank. Various accounts, reasonable rates. Still got a local branch. Reviewed on: 24th March 2026

Latest lowest rating:

2

The interest rate on the Help to Buy ISA is very poor. The interest rate on the Help to Buy ISA is very poor. Reviewed on: 23rd November 2024

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About this product

NatWest offers two types of cash ISAs - an instant access cash ISA and a fixed rate cash ISA.

NatWest offer one year or two-year fixed rate cash ISAs which can be opened with £1,000. The NatWest Instant Access ISA can be opened with just £1.

NatWest Cash ISA reviews help you find out what it’s really like to be a customer. If you’ve used NatWest before, you can also leave a review and share your experience.

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NatWest Cash ISA reviews (97)

In Flagrante Delicto..

I would like to share my objective 10 year experience of this bank which climaxed recently in near personal tragedy. Quite frankly, they are more like a circus of clowns than a bank. I will stand by this review in a court of law, with my hand on the bible and surrounded by my peers. Trustpilot may approach me to evidence this review. I recently logged in to my banking app to find that after 10 years I mysteriously had no current account. I called Natwest ‘customer services’ to be greeted by the disinterested and incompetent customer service that I have become well accustomed to. I was eventually (the advisor managed to put me through to the wrong number twice..) told my current account had been frozen. To clarify the law on this; it is unlawful for a bank to freeze an individual’s bank account (whatever the reason) and withhold their money without a court order. It is basically fraud/theft. The fact that I also wasn’t informed was, in itself, a reckless act. I have Type 1 Diabetes and long standing health problems for which I am receiving the highest rate of Disability Living Allowance. Except a little money my partner could afford to lend me I had to go without food or basic amenities for 4 days thanks to Natwest’s incompetent, unlawful and reckless act. Predictably enough I became unwell and a duty doctor had to be called. I made a formal complaint online in which I justifiably threatened to sue Natwest unless my funds were released. Sure enough, they did unfreeze the account as they knew they were in the legal wrong but they didn't even show me the basic respect of informing me that they had unfrozen my account, I had to log in to internet banking to find out. I have been an enduring Natwest Customer for 10 years. Despite their near constant mistakes and appalling customer service (a term used loosely in this case) I have stayed with them. To give one e.g. I recently changed my name. Normally an individual sends a legal copy of the deed poll of to a company (financial or otherwise, this make no difference) and the deed poll is returned by recorded delivery within a few day’s. However, in the case of Natwest, I had to take the deed poll in to a branch and then had to return no less than three times due to mistakes their incompetent staff had made. I am someone who tries to ‘see the wood through the trees’ and I do not relent to subjective knee jerk reactions but clearly enough is enough. I have now signed up with another bank and was quickly put at ease by their obvious competence and respectful manner. Natwest has ‘compensated’ me with £50 along with a pathetic letter from a so called complaints advisor (quite frankly my 15 year old niece could have written better). This only serves to rub salt in the wound and in no way ‘compensates’ me for how they treated one of their loyal customers. I am blatantly disgusted, appalled and shocked. I am currently taking advice on instigating legal litigation against Natwest through the High Court, very likely. Reviewed on: 27th August 2016

Cash ISA review

Natwest always notifies about the functioning of my cash ISA, always let me know how much I can still put into the ISA, there are probably better ISA with a higher amount of interest, but I use my ISA knowing that I can withdraw money at any time, it shows on banking app and I have never had a problem with it. Reviewed on: 22nd August 2016

I understand interest rates are low but why are other banks and building societies offering higher rates of interest. Nat west should be encouraging people to say more even if it's a token small rise in interest rates.

No real change in past 4 years at least In terms of interest rate for.nat west cash isa Reviewed on: 3rd August 2016

Really Great

Good interest rate & easy access Reviewed on: 15th February 2016

Never had issue

Never had issue. Although interest rates aren't great (no worse than most banks) Customer service is second-to-none. Always helpful. Branches are nice atmosphere too. Reviewed on: 14th February 2016

Interest rates unappealing

I had banked with Natwest all my life. In the last year the ISA inerest rate changed from 0.5% to 0.25% so moved my cash elsewhere. No incentive to stay with Natwest at all. Reviewed on: 22nd January 2016

shame - I used to like natwest but awful pricing for loyal customers

I've been with Natwest 15+ years and always saved/banked with them but every year for last 5 years they have continued to reduce my cash ISA interest rate without fail. It is now a pathetic 0.75% and as a gold account customer (paying £20 p/m) and banking with them for 15+ years I see this as pure profiteering. I have already started to invest my cash elsewhere and will shift my ISA. Then the incentive to continue to bank with them will diminish as competition is fierce for current accounts. Shame on you Natwest, you are taxpayer owned, you should show your loyal (taxpaying) customers a better deal. Reviewed on: 25th January 2015

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