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NatWest: Graduate Account reviews

Name: Graduate Account
Rating: 4.38 (61 reviews)

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4.45

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:

Ok

The app is ok, but HSBC's and TSB's apps and customer service are better. Reviewed on: 20th March 2023

Great All round

really easy to use as an everyday account. Online banking is very safe, quick, easy and enables you to do lots of things. Reviewed on: 29th 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 reduction in overdraft over time. I will, however, continue to use their products and look into using more in the future. Reviewed on: 28th 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 out of my overdraft has been easier and less stressful. Reviewed on: 11th January 2017

Graduate account

Was very easy to close the account, a lot better than I had anticipated, Reviewed on: 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 efficient in trying to get it resolved and I was still able to access my money. Reviewed on: 24th December 2016

Very Easy to Use

Great app, easy to use, generous overdraft and friendly branches! Reviewed on: 29th 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 it gives me plenty of time to repay the overdraft before it converts without having to pay hefty fees Reviewed on: 14th November 2016

pretty good

not bad at the things that they do for the people who employ them to handle their money Reviewed on: 30th June 2016

Great

Natwest are always there to deal with any queries in real time. I have lost my card a number of times and always had a fast response from anyone i've interacted with. Reviewed on: 18th May 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 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

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