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NatWest: Cash ISA reviews

Name: Cash ISA
Rating: 4.26 (93 reviews)

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4.13

Based on 93 reviews, last reviewed 12th Mar 2025

200% increase in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

62%

20%

Latest highest rating:

5

Always appointments to discuss money matters Frie... Always appointments to discuss money matters Friendly courteous and I trust them Reviewed on: 12th March 2025

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.

NatWest Cash ISA reviews (93)

Review of the NatWest, Cash ISA:

Secure and safe

NatWest is a trusted bank and offers great perks and interest whilst keeping your money completely secure and safe Reviewed on: 18th February 2023

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

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

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