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NatWest: Reward Account reviews

Name: Reward Account
Rating: 4.83 (970 reviews)

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4.77

Based on 970 reviews, last reviewed 19th Feb 2026

1400% increase in 5 star reviews

in the past 90 days

100% decrease in 1 star reviews

in the past 90 days

89%

Latest highest rating:

5

Easy to set up, Good Digital Saver.. Easy to set up account when switching. The App is intuitive with links to other Natwest services. I like the associated high rate Digital Saver, alth... Read more Reviewed on: 19th February 2026

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 (970)

They been very helpful with me and sorted stuff out...

They been very helpful with me and sorted stuff out for me as well Reviewed on: 22nd January 2026

NatWest rewards account

It costs £2 a month for a reward account that pays for itself if you have a couple direct debits with them as they reward you with £5 per month as well as being rewarded by shopping with partnered companies over the last year I was rewarded over £50 just for using my bank account as I normally would brilliant bank not only that but if you are feeling generous you can donate your rewards to different charities and it takes as little as 3 days to process to your account would recommend anyone to use a NatWest rewards account Reviewed on: 22nd January 2026

Helped me with fraud issues.

Helped me with fraud issues. And also get money back for having direct debits etc Reviewed on: 22nd January 2026

I banked with NatWest for 30 years until five years...

I banked with NatWest for 30 years until five years ago when I changed to a different bank, followed by another two. With the benefit of hindsight I made a mistake moving from NatWest, I'm now back with them and confident they're the best banking option. The NatWest app is up there with the best and ISA interest rates are competitive. Reviewed on: 22nd January 2026

Rewards account

Good all round experience online app is very up to date and easy to use. Rewards every month for direct debits Reviewed on: 22nd January 2026

A truly rewarding account.

A truly rewarding account. One of the accounts that creates real value, and their offers are really rewarding. Reviewed on: 22nd January 2026

I have had some difficulties with money as well as f...

I have had some difficulties with money as well as finding out that I am a neurodiverse individual. NatWest have assisted and been able to help with advice and assistance. I have worked with them to get my finances in place with the help also of step change Reviewed on: 22nd January 2026

Exceptional service and overall excellent product

Exceptional service and overall excellent product Reviewed on: 22nd January 2026

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

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