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NatWest: Graduate Account reviews

Name: Graduate Account
Rating: 4.38 (61 reviews)

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4.36

Based on 61 reviews, last reviewed 1st Apr 2023

No new 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

54%

34%

Latest highest rating:

5

Easy and straightforward NatWest is easy to use, it have features that are easy to use and make banking easier. I love the round up feature, saving without meaning to save!! E... Read more Reviewed on: 1st April 2023

Latest lowest rating:

2

Too many charges Regularly charged for things that I don't feel I should be Reviewed on: 26th May 2018

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About this product

NatWest’s Graduate Account has features and benefits designed to ease the transition from full-time student to full-time employment. A NatWest Student Account will automatically upgrade into a Graduate Account after graduating. The account has three years of interest-free overdraft options and a mobile app packed with features.

Reading customer reviews is one of the best ways to gain valuable insight into a provider and its products. Our NatWest Graduate Account reviews can help you make an informed decision when choosing your new current account.

Find out how satisfied existing customers are with the account. Learn more about the features of the mobile app and how useful customers find them. Read about the overdraft options available to see if any suit your needs. Find out whether account holders would recommend NatWest’s Graduate Account to their family and friends. All of this and more can be found in our NatWest Graduate Account reviews.

If you have experience with this account, write a review to help others just like you. Tell us why you chose the account - did you upgrade from a NatWest Student Account or are you a new customer? How satisfied have you been so far? What are the main benefits of the account, and are there any aspects that you feel could be improved? If you use the mobile banking app, which features are your favourite? Whether good or bad, leave an honest NatWest Graduate Account review today. Together, we can help people like you make better financial decisions.

NatWest Graduate Account reviews (61)

Review of the NatWest, Graduate Account:

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 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. Reviewed on: 28th April 2016

Great for Gradutes

Excellent. Exactly what I was looking for post university. Reviewed on: 8th November 2017

Great account

No hassle as my student account automatically updated into the graduate account. The fee free overdraft was invaluable as a graduate and the free 16-25 railcard saved me a lot of money on travel . Reviewed on: 8th November 2017

It's alright

It was easy to set up an account with them, the customer service department were very friendly, clear and precise in their delivery of information. Reviewed on: 9th August 2017

Excellent bank

Natwest are an excellent bank I've been with them all my life Reviewed on: 5th June 2017

Very Good.

Is clear and offered enough time interest free that as a graduate I had time to clear my overdraft. Reviewed on: 2nd June 2017

Great bank

I've used Natwest all my life and they've always been great. Never had any problems and always found their customer care a joy to deal with. Reviewed on: 1st June 2017

Quick and easy to set-up

Great terms with interest free overdraft and easy to open. never had an issue with them. great customer service Reviewed on: 30th May 2017

great services

they provide a great service and are always very helpful Reviewed on: 11th 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 having human interaction. Reviewed on: 3rd February 2017

Great online service, but few other perks

Online services are great. The website and app are easy to use and intuitive. Setting up a linked savings account was painless and took a few days. Interest rates and other perks are lacking, though. Reviewed on: 2nd February 2017

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