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NatWest Graduate Account Reviews

Ratings based on 28 reviews Last review 1 month ago

NatWest Graduate Account reviews come from people like you! With so many different current accounts now available, you can read these honest NatWest Graduate Account reviews to find out what life as a NatWest customer is really like. And remember, if...

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NatWest Graduate Account reviews come from people like you! With so many different current accounts now available, you can read these honest NatWest Graduate Account reviews to find out what life as a NatWest customer is really like. And remember, if you are a NatWest customer, you can write a short review here to help other potential customers. Smart Money People is the UK's leading financial services review site and dedicated to being an independent and honest source of NatWest Graduate Account reviews. Together, we can make financial services work better for everyone.

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Your Graduate Account Reviews (28)

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3rd February 2017

Average, not amazing but not aweful

I love that all the branches have had a facelift, they are all very mich more open and friendly looking now. I don't like being prodded to use the machines to deposot money. They are really confusing and it feels like it takes longer than actually...

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I love that all the branches have had a facelift, they are all very mich more open and friendly looking now. I don't like being prodded to use the machines to deposot money. They are really confusing and it feels like it takes longer than actually having human interaction.

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28th January 2017

Almost perfect

In general, the service offered is brilliant, all staff are friendly and helpful in branch, over the phone and online. The app is also excellent, and continues to be improved. The only issue is the lack of clarity and also staff understanding of the...

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In general, the service offered is brilliant, all staff are friendly and helpful in branch, over the phone and online. The app is also excellent, and continues to be improved. The only issue is the lack of clarity and also staff understanding of the reduction in overdraft over time. I will, however, continue to use their products and look into using more in the future.

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11th January 2017

Easy transition from student to graduate

NatWest were able to give me a generous overdraft throughout university, which eased my money worries. Through my transition from student to graduate, NatWest have gradually reduced my overdraft each year, meaning that managing my money and getting...

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NatWest were able to give me a generous overdraft throughout university, which eased my money worries. Through my transition from student to graduate, NatWest have gradually reduced my overdraft each year, meaning that managing my money and getting out of my overdraft has been easier and less stressful.

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24th December 2016

The great customer service of natwest

The customer service of Natwest is excellent. Whenever I have had an issue with natwest, for example fraudlent transactions on my account, natwest were pretty good in trying to get this resolved or when I lost my card, again Natwest were very...

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The customer service of Natwest is excellent. Whenever I have had an issue with natwest, for example fraudlent transactions on my account, natwest were pretty good in trying to get this resolved or when I lost my card, again Natwest were very efficient in trying to get it resolved and I was still able to access my money.

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14th November 2016

A great account with good features

I have a Natwest graduate account and I have never had a problem with it. The mobile banking feature is great and helps me keep on top of my account on a daily basis, and I am really happy with the low rate of interest that I pay on my overdraft, as...

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I have a Natwest graduate account and I have never had a problem with it. The mobile banking feature is great and helps me keep on top of my account on a daily basis, and I am really happy with the low rate of interest that I pay on my overdraft, as it gives me plenty of time to repay the overdraft before it converts without having to pay hefty fees

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28th April 2016

Random Charges

I had a student account with Natwest, which had an interest free overdraft. Once I had left uni, it became a graduate account, with a £500 interest free ...

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I had a student account with Natwest, which had an interest free overdraft. Once I had left uni, it became a graduate account, with a £500 interest free overdraft.

Recently (around 2 or 3 months ago), I used the overdraft facilities by £150. It was well within the range I had agreed with the bank. The following week, I'd paid it back off, so my account was balanced. I didn't need to use the account for a couple of months, so it sat untouched since then.

After deciding to install bank apps, I found that my account was no longer balanced, but was now around £13 into my overdraft. I'd been charged £6 per month for the last two months, because my account was in the overdraft now. I checked to see what caused it, and it was a random 50p charge from Natwest (labelled as an 'interest fee'). This was charged two weeks after I had already balanced my account, so I owed them nothing.

It turned out that Natwest had now changed my account from a graduate to a current account, which did not have any interest free overdraft. I received no letters, emails, text messages or phone calls regarding this. The 50p charge for me using the overdraft for the week then took me into the overdraft, for which they then slapped another fee on me for. They charged me a fee because of their own fee.

When I went into the bank, the first woman was completely unhelpful, and repeatedly told me that I would have to pay the charges (charges added well after the account was already balanced). She eventually got her manager, who finally said she could clear the charges, but she couldn't clear the charges that would come later. Yes, I'm going to be charged next month because I am currently in the overdraft because of their fees. I'm having to pay for their actions.

The most frustrating part was that the manager gave me an option: she can clear the current charges and I pay the later charges OR she can stop the later charges and I pay the current fee. She failed to mention that if I paid the current fee, it would cost me the £13, but if I paid the later fee, it would cost me almost half that at £7. Even when I said to her that I would clearly be paying the cheaper amount, she refused to acknowledge it and kept acting like the choices were equal in cost. It's that sort of slippery, sneaky behaviour that means Natwest will charge you for a balanced account and then try to pretend that either option they offer is equal and helpful. It is no different to theft.

Never use this bank.

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16th February 2016

General experience

I've never had any issues with them, except when I wasn't allowed a free railcard they'd previously said I was entitled to because they had "ran out". Saying that, it's been easy to set up/change accounts (e.g. when I became a student), and their...

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I've never had any issues with them, except when I wasn't allowed a free railcard they'd previously said I was entitled to because they had "ran out". Saying that, it's been easy to set up/change accounts (e.g. when I became a student), and their online banking is really simple to use.

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