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Joss Downes

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Review of the NatWest, Reward Account:

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Great app interface and good customer service

Very easy to navigate app interface, and the website is just as pleasant to use. Customer service has been informative and responsive over the very few times I've needed to use it. My only issue is with the information in transaction history. When I receive payments, all other banks I have used and still use, list the transaction by the name of the sender, making it very easy. However, NatWest seem to list the transaction by the reference (no information on the sender until a day or two later), which doesn't make it easy for checking payments. This is quite a hassle and is why I would give NatWest a 7-8/10. There are still a great range of products they offer, all easy to set up and easy to use. I've also never had a problem with NatWest's interest rates. Reviewed on: 8th February 2023

Review of the Moneybox app, Lifetime ISA:

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Easy to navigate UI, great interest rates and even better customer service.

The Moneybox UI is fantastic, really easy to navigate, switch accounts and offers a wide range of other related tools like learning hubs for things like cryptocurrency and stock markets - excellent for beginners and experienced users. The interest rates on all accounts are constantly updated so they are matching, or near enough the market best. I have only had to use customer service a couple of times over my time with Moneybox and both times were pleasant experiences - fast replies, accurate information and solved the problems perfectly. I would (and already have on a few occasions) recommend this bank to friends and family, to take advantage of a great product. Newsletters aren't too rare or too frequent, and contain relevant information to accounts. There seems to be a slight lean towards pushing their mortgage and retirement products which isn't necessarily relevant to everyone - so a brief check on the tailoring of this marketing could be beneficial but it isn't the end of the world. Overall, I have had at least a 9/10 experience whilst using Moneybox over the last few years, and in most cases a 10/10. Reviewed on: 8th February 2023

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