Write a review

Go to business site

NatWest: Graduate Account reviews

Name: Graduate Account
Rating: 4.38 (61 reviews)

View other NatWest products

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

Read all reviews See your review

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

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!! Every little helps Reviewed on: 1st April 2023

Ok

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

Great deal

My student account automatically turned into a graduate account, with a great deal. I kept my overdraft with it being interest free for the first year. It's been a lifesaver. Reviewed on: 20th March 2023

Good Customer Service and App

They bank has massively improved recently, with their online customer service and call centres being excellent. The App is also very useful, on which you can do your everyday banking needs. Reviewed on: 17th March 2023

Been with NatWest for 15 years

Very good and very helpful NatWest has a cash out option that lets u take cash out without a card at the atm and I have not come across any other bank account that does this. It has been a good experience Reviewed on: 10th March 2023

Best bank account

Best customer service in the branch Rugby team Reviewed on: 23rd February 2023

Very useful

Easy to navigate and several useful tools Reviewed on: 23rd February 2023

Great bank

This was my first bank and have been with them for around 15 years, completely happy with them. Reviewed on: 21st February 2023

Always the most helpful customer service and a clear and easy to use app

I love the monzo-like saving scheme that’s been brought in and I’ve never struggled to find easy and effective assistance any time I’ve had any queries Reviewed on: 21st February 2023

Love the app

The Natwest online banking app is so easy and convenient to use. It quite modern which I appreciate the effort. Reviewed on: 21st February 2023

Do you have a different NatWest product?

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review

Alternative products

Current account
from Halifax 4.14 from 939 reviews
Current Account
from Triodos Bank 4.93 from 7950 reviews
Reward Account
from NatWest 4.77 from 952 reviews

Want to see more from NatWest?

Life Insurance
from NatWest 5.00 from 3 reviews
Tracker Rate Mortgage
from NatWest 5.00 from 5 reviews
Rooster card
from NatWest 4.92 from 13255 reviews

View all products

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account

News, guides and insight from our team

View resource hub