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NatWest: Cash ISA reviews

Name: Cash ISA
Rating: 4.08 (97 reviews)

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4.08

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)

NatWest saving account

I have been offered Saving account as a NatWest customer. No issues with the setup, the bank is providing what has been promised. Reviewed on: 11th September 2016

Branch staff 1, Remote Access Nil

Staff in branch could not be more eager to help, and - despite a pointless, ugly, trendy redesign - customers tend to leave our NatWest smiling. More people now use app / online banking. The app is so limited in what you can see and do, I rarely bother. The website - unlike Santander - forces you to phone if you have a query. Crazy. They have to guess an answer or research one. Email (or logged-in secure web forms for account-specific questions) allows them time to read your detailed description, look into an issue and take their time to find an authoritative, accurate reply. Reviewed on: 8th September 2016

Natwest Savings Experience

I use an instant access savings account with Natwest and I have found the service to be very practical and exactly as it appears - security for your savings complete with instant access via branch, phone, online, or app (none of which I have ever had any problems with). I have also never had any issues with accessing the account or the amount of interest paid. Overall a good, reliable service - exactly what it says on the tin. Reviewed on: 7th September 2016

Nothing special at all

I had a Natwest cash ISA for a few years as I had a current account with Natwest so it was nice to be able to manage everything from within one single place. Unfortunately, every 6 months or so, I got the dreaded email from Natwest telling me that my interest rate was reducing, until it was less than half a percent, so I ended up taking my money elsewhere. Reviewed on: 5th September 2016

Slow but steady

Natwest is the only bank I've ever banked with who take up to 24 hrs to move money from my current account to my savings account. Most other banks are instant from one to the other. Other than that, I find natwest to be a good back-up to my main bank, not had any problems with them. Reviewed on: 31st August 2016

Good straightforward services

I have been a Natwest customer for many years, and have always found their services very clear and simple to use. Staff are exceptionally friendly and helpful in branch. I do not think that you will receive the best interest rates at Natwest. As such, I would recommend their ISA only if you are looking for an easy way to save and already use Natwest for your other banking services. This will allow you to easily keep track of your money - all in one place. Otherwise, it seems likely that you will get better interest rates elsewhere. Reviewed on: 31st August 2016

Great in Emergencies

I don't really have many dealings with Nattiest but the times I have stand out as having provided me with excellent customer service. Once someone had obtained my details and had used them to purchase iTunes gift cards. Nattiest saw this and stopped it immediately and refunded me my money. The second time was when I lost my purse. NatWest were extremely helpful and accommodating, reassuring me that my money was safe. Reviewed on: 30th August 2016

Their overdraft interest charges are very high

Have an arranged overdraft with Natwest but their fees and charges each month are very high. Having said that I have had this account for 23 years and what I find most positive about them is their online banking app is great. Reviewed on: 30th August 2016

Easy to use website/easy to transfer money in/out

I signed up for a savings account with Natwest online. I found their website easy to use and the account was set up within minutes. I also use NatWest's mobile app - I find this very accessible. I can transfer money in and out of the savings account easily and can see at a glance how much I have in my account. Although interest rates are low this is across the board with mainstream banks therefore I will not mark them down because of this (written in August 2016) Reviewed on: 30th August 2016

Very easy to purchase!

I had been putting off taking out any banking products at all thinking it was going to be so much hassle and take ages to sort out but with Natwest it was all sorted out really quickly and I had everything I needed within hours! I'd definitely use them again and have already recommended them to friends and family. Reviewed on: 30th August 2016

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