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NatWest: Reward Account reviews

Name: Reward Account
Rating: 4.83 (952 reviews)

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4.76

Based on 952 reviews, last reviewed 18th Nov 2025

50% decrease in 5 star reviews

in the past 90 days

100% increase in 1 star reviews

in the past 90 days

89%

Latest highest rating:

5

Thank You, NatWest for a Truly Outstanding Service! I don’t think banks get the appreciation they truly deserve, especially when they’ve already taken steps to protect you before you even realise you’ve... Read more Reviewed on: 15th October 2025

Latest lowest rating:

1

I recently experienced raising a dispute through Nat... I recently experienced raising a dispute through NatWest, and I have to say, the process has been incredibly complicated and frustrating. The process ... Read more Reviewed on: 18th November 2025

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About this product

The NatWest Reward Account allows you to earn rewards from direct debits and spending at NatWest’s partner retailers.

Rewards can be exchanged for eGift cards or cashback, or you can choose to donate them to charity. This current account has a low monthly fee and gives account holders access to NatWest’s mobile banking app.

NatWest Reward Account 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.

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NatWest Reward Account reviews (952)

I recently experienced raising a dispute through Nat...

I recently experienced raising a dispute through NatWest, and I have to say, the process has been incredibly complicated and frustrating. The process seems designed to confuse rather than assist. I was left second-guessing myself about whether I was even submitting my issue correctly. Once I managed to submit my dispute, the response time was long, just at the end to receive "The Bank is unable to sit in judgement on the merits of the claim or arbitrate between the parties involved. The only line of enquiry available is where the retailer is unwilling to provide goods or services. Although we are unable to process a claim for you through Mastercard dispute resolution, it does not necessarily follow that you do not have a case. If you pursue the matter through your local Trading Standards Authority or Citizens Advice Bureau they may be able to advise you further" I am disappointed in their inability to effectively help me resolve the issue and I'm searching for another bank who are respecting their clients more. Reviewed on: 18th November 2025

Thank You, NatWest for a Truly Outstanding Service!

I don’t think banks get the appreciation they truly deserve, especially when they’ve already taken steps to protect you before you even realise you’ve made a mistake. NatWest did exactly that for me, and I couldn’t be more grateful. Everyone most always leave bad reviews about their banks and take for granted the things they do above and beyond for you and do not asked to be thanked. Here’s what happened: I’m registered with PayPal and had received some much-needed funds which I intended to transfer to my NatWest Reward Account to meet urgent payment deadlines. Without thinking twice, I logged into PayPal, went through the withdrawal process, and transferred the money. Only after PayPal confirmed the transaction as “complete” did I log into my NatWest account to make my payments—only to see that my balance hadn’t changed. That’s when I remembered: I had cancelled my old debit card about a month earlier and been issued a new one. Since PayPal uses your card details for withdrawals, the money had been sent to a card that no longer existed. My heart sank. I immediately called PayPal, who confirmed the funds had already been sent and that NatWest would likely reject the transaction and return the funds automatically. Otherwise, I’d need to contact the bank myself to trace and request the return. It sounded like a process that would take days—time I didn’t have. While on hold with NatWest (for no more than three minutes), I logged into my online banking just in case they needed any details from me. But to my surprise—and immense relief—NatWest had already credited the funds directly into my account. No delays. No fuss. No need to chase anything up. Because of that, I was able to make all my payments on time and avoid the embarrassment of calling my creditors to explain a delay. Needless to say, I also took the opportunity to update my debit card details on PayPal to prevent this happening again. I’m genuinely so impressed and thankful for NatWest’s efficiency, forward-thinking, and seamless support. You turned what could’ve been a stressful few days into a non-issue, and I couldn’t be more appreciative. Thank you, NatWest Team—you’re amazing! Reviewed on: 15th October 2025

Excellent customer service

Excellent customer service always got your back, no problem is to big or to small.An outstanding bank that is always there for it's customers and puts them first Reviewed on: 12th June 2025

Happy customer here!

I have Natwest's Reward current account and Reward credit card. Both suit me really well. Great app too! Reviewed on: 12th June 2025

The reward account is perfect for me.

The reward account is perfect for me. You can earn money passively just by using the app and having two standing orders. The app is super easy to use as well and has loads of useful features Reviewed on: 12th June 2025

Excellent rewards, get at least £5 a month

Excellent rewards, get at least £5 a month, more with cashback. Reviewed on: 22nd April 2025

Good rewards on a consistent basis every month

Good rewards on a consistent basis every month Reviewed on: 21st April 2025

Both myself and my wife are disabled, but I am also...

Both myself and my wife are disabled, but I am also my wife's carer. While she was having a bad day and I was in the process of selling a push bike ( long story short) I got scammed. Realizing quite quickly I got onto the Bank (Nat West) not only did they manage to sort this and retrieve my funds but advised about help on my account for disabled people. They are an excellent bank in all aspects besides this and always happy and swift to help wether via the app, phone or branch excellent. Reviewed on: 17th April 2025

I find NatWest Reward Account totally suits my needs...

I find NatWest Reward Account totally suits my needs, the banking app is the best of all other banking apps I have experienced. There is no fuss or complications, NatWest Bank quietly works in the background to simply and safely manage all my money needs. Luckily my local Worthing Branch is thriving and is unlikely ever to close, the staff are excellent. Reviewed on: 17th April 2025

Long term stability with excellent app

I have had this account for 25 years and the bank has been super helpful through graduating and becoming a professional person. The app is especially easy to use to support the account. Reviewed on: 16th April 2025

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