Advantages: Great online banking service, great Customer Service Disadvantages: Slightly higher charges than their competitors
*About Natwest*
Natwest is a well known High Street bank. Formerly known a National Westminster bank, it recently merged with the Royal Bank of Scotland, to create RBS Natwest. 'In 1968 National Provincial Bank and Westminster Bank merged as National Westminster Bank. Together these banks could trace their history back down the centuries through a lineage of prestigious constituents, dating back to the 1650's. The new bank, with 3,600 branches, ... ...of sale in 1988'.
Natwest offer a wide range of banking and financial services to Personal, Business and Commercial Customers. I have been a Natwest Bank customer for just over 8 years. I first joined when I left School in June 1997 and got my first job. The job required that my wages be paid direct into a bank account.
*Why Natwest?*
My mum and dad had been with Natwest for as long as I could remember. It seemed a natural choice for me to bank ...
jayandfoo 20.07.2005
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Ciao members have rated this review on average: very helpful Review of NatWest
Advantages: Good customer service, branch facilities, Internet Banking, Lots of branches, longer opening hours Disadvantages: High charges and fines, Some bad press, Tries to sell you stuff all the time
...There are plenty of NatWest branches dotted around the country, some of them (unnecessarily close together for some reason) so they are convenient for most whom need to regularly visit a branch to pay in money. Most the branches I've visited have a cheerful atmosphere with fairly bright lighting. They all have tables or shelves(?) for you to organise your money and fill out forms on. Pens are chained to pen holders in those areas. 'Quick Deposit' ... ...check my balance outside a NatWest branch in Langley two days before the first suspicious transaction and the O2 transactions were labelled Slough (Langley is in or right near Slough), which I think is a bit too much of a coincidence, so I suspect it was a dodgy ATM machine that let someone 'skim' (copy) my card. Don't know how they got my PIN or whether a PIN was required at all (there are some shops which I find still ask me to sign for credit ...
Deru 09.09.2007
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Ciao members have rated this review on average: very helpful Review of NatWest
Advantages: Until you have a problem, they're great. Very quick to spot potentially fraudulent activity on your account Disadvantages: Absolutely dire at sorting out any problems you have have - expect long delays with no explanation
Having banked with NatWest essentially all my life (well, since I set up my very first bank account with them over 7 years ago), I have never had a problem with them. In fact, if asked, at one point I would have quite happily heartily recommended them to anyone.
The service I used to receive in my ex-local branch was second to none. Friendly and helpful Customer Service people. Excellent range of accounts to suit everyones needs. Rates that were ... ...problem. This is where NatWest seem to fall at every hurdle.
Let me explain....
Back in January my parents received a strange phone call for me during the course of the day. (Having since moved out of their house but not changed my address with my bank - they took the phone call for me).
It was from a guy claiming to be from "the bank" but on questioning he was unwilling to divulge which bank he was from. Now as I only have ever banked with NatWest ...
Sarah_Louise 14.03.2007
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Ciao members have rated this review on average: very helpful Review of NatWest
Advantages: A great "basic" bank account from NatWest Disadvantages: None so far
...The Step account from NatWest is placed in the category of being a basic bank account. These have sprung up over recent years, mainly because of the government trying to push people who might get benefits of any kind into receiving them via a bank account rather than the post office. They are also often used for people with poor credit ratings for whatever reason.
However, in my case the reason I looked at this account is because I'm considered ... ...look around for alternatives. The NatWest were the first place I looked because of their promise that you can speak to a local branch if needed via telephone and since my arthritis now makes walking difficult, this was an important consideration for me (and one reason Barclay's have managed to annoy me so much but that's a separate issue).
So, on looking up this account it was perfect for what I need. Its only main difference from the regular current ...
runetune 08.09.2008
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Ciao members have rated this review on average: very helpful Review of NatWest
Advantages: not many but they can be usefull when they get their fingers out theur >>>> Disadvantages: a lot when they do this
...In my eyes Natwest are definitely the Natworst of the banks available to you and one of the worst that I have ever had to deal with. I will probably keep updating this as things progress to let you know if they get their thumbs out of their ?? and sort things out or not. p.s nearly forgot to tell you that the reason I mentioned the phone was because the fools were still paying for insurance etc for my phone that I had asked to be cancelled ages ago. ... ...so they could not put the blame for their error onto this. What idiots. UPDATE well well after a bit more time spent on the phone to the customer service centre they finally agreed to repay all the charges that they made to my account. The person who handled my call today was polite and pleasent to deal with which leaves me to wonder why they do not train all their staff like this. Especially at my local branch who screwed everything up in the first ...
chrissm 15.11.2001
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Ciao members have rated this review on average: very helpful Review of NatWest
Advantages: Excellent individual Service Disadvantages: A little pushy on the loan front as a youngster
I have been with Nat West since I was 16 years old and got my first job after leaving school. At the time I did not have a bank account and the company I went to work for offered a service where they opened an account for you if you did not have one. It was with Nat West as that was where they held their salaries account and at 16 I had no opinions on bank accounts to offer any resistance. I am glad I didn't to be honest and 18 years down the line ... ...another joint account and a business account.
As a teenager I was a total idiot when it came to money, and as a result I have managed to have experience with credit zones, over drafts, consolidation loans, credit cards, bank charges and lots and lots of customer service. Most of my experience has turned out positive in the end but I have wasted an awful lot of money in the process. I am slightly more cautious with my money now (although I wouldn't ...
wendybull 23.09.2006
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Ciao members have rated this review on average: very helpful Review of NatWest
Advantages: Excellent levels achieved throughout the whole company Disadvantages: I can only comment on the local level I receive
...within her position.
At NatWest they also let you get on with running the business. If you want to contact them then you can as much as you want, with all advice being free. At the same time they don’t contact me unless it’s really necessary, other than twice a year just to check that I’m happy with the way my account is being handled. This has continued through out the first few months of my account and I am confident they will stay this way. If ... ...What most impresses me about NatWest is that the same high standards seem to be kept throughout the whole company, from receptionists and cashiers to phone banking operators and managers. This instils a level of confidence in me and at the same time makes me comfortable in contacting them regarding any issue. I feel like a valued customer where as at Barclays I just felt like another customer.
A point I have made in other opinions that I feel I ...
Benniash 11.09.2003
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Ciao members have rated this review on average: very helpful Review of NatWest
Advantages: Lots of different accounts. on-line banking Disadvantages: Like all banks - charges
...My parents had been with Natwest for over 15 years and had been very happy with the service. They lived in Portugal at the moment but still keep an account with Natwest. Even though they live abroad they have never had any problems with them.
I decided to open my account in Gateshead, High street. The assistant manager took me into a small office and started to process my application. She was not at all phased at the fact of my previous address ... ...very helpful with me.
Natwest was previously called National Westminster Bank. In March 200 the Royal Bank of Scotland bought them for £21 billion. Together the banks are now the 2nd largest in the UK and the 5th largest in the World. Natwest is self has over 1650 branches in the UK alone.
The company offers various accounts. Step Acount
---------------
This account is a very basic account without any overdraft facilities. It comes with a Solo ...
vichar68 12.06.2007
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Ciao members have rated this review on average: very helpful Review of NatWest
Advantages: Good for young people, no problems so far, lots of cashpoints Disadvantages: None so far.
...best freebie. At the time NatWest were the only bank offering me an “incentive” to join and it was a £10 gift voucher so my Card Plus account was opened and I was a customer of the nasty NatWest.
I was given a Solo card with my cashcard account by NatWest. A card that most banks only give to customers who are aged 16 or over. A Solo card is a debit card designed for young people, see my opinion on it for further information. All cash ... ...NatWest have the most cash machines that belong to them out of the British banks so it shouldn’t be a problem for you finding a cash point.
NatWest have abolished plans of closing branches – so your local branch is safe from closure! Though this is a bit of a con as NatWest have closed ever such a lot of branches several years ago. There are normally fairly long queues in NatWest branches and if there are 10 desks in the branch for example ...
Disillusioned 23.07.2001 (13.11.2001)
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Ciao members have rated this review on average: very helpful Review of NatWest
Advantages: You get a bank account of sorts. Disadvantages: No customer service. Lots of Red Tape. Extra paperwork and waste of time.
...husband opened his account with NatWest as he saw so much advertising and thought why not. He was asked for a ridiculous amount of paperwork to open up the account. As he had only just moved to the UK, he assumed that there were differences from opening a bank account in Malta, or because we were foreigners. So he provided them with everything and opened his account. He had wanted to open a joint account, but as I was not yet in the UK he could not ... ...I arrived I went to NatWest to turn the account into a joint account. After a lot of waiting around I was given a whole batch of paperwork. I was asked for 4 different types of ID and proof of address! I'd only just moved, how was I supposed to show them a utility bill? Anyway, somehow I managed to come up with 4 proof of ID. I handed in all my papers and waited. And waited. And waited. A month later I went to enquire about the account. I was told ...
camille 19.04.2002
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Ciao members have rated this review on average: very helpful Review of NatWest
Advantages: Can't think of any right now Disadvantages: Unpleasant staff, Poor Customer service
...this letter back to the NatWest branch. I asked to speak to the same man but he wasn't available, so another chap asked what the problem was. I told him and gave him the letter, and he simply said, and I quote, "Oh, I dunno" and that was his best explanation. He said it was nothing to do with the branch and that I should call a customer service helpline, which he gave me the number for. He also gave me an extra document ith that number on, saying ... ...the same boat. In addition, NatWest must have kept my details, and now I am getting bombarded with letters asking do I want a NatWest credit card. The cheek!!!
I would advise anybody wanting to start an account and especially younger people, to try another bank, any bank rather than the disgusting attitude of the National Disgrace, erm I mean Westminster Bank. ...
pumfster 04.03.2003
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Ciao members have rated this review on average: very helpful Review of NatWest
Advantages: Practically everything Disadvantages: Credit cards need a boost
I have been banking with Natwest now since my mum opened a world savers account for me when i was 5 (i just wanted the piggy bank you got free!) but ever since they have provided me with quality service which i think needs to be spoken about as Natwest usually get quite a bit of stick.
At the moment they are my main bank of which i do all my banking. I opted to take out an advantage gold account which, for an extra £6.00 per month, gives you a heap ... ...building & contents insurance and most importantly for myself at the time - a discount on pesonal loans. I took a loan out with them and because i had a %0.5 discount i saved well over enough to pay my advantage gold premium for the entire year! It's so easy to change your account over and will also upgrade your switch card to a £100 cheque guarantee card.
They also give you a generous overdraft which from time to time will increase automatically, ...
java 27.02.2001
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Ciao members have rated this review on average: very helpful Review of NatWest
Advantages: ermmmmm... Disadvantages: Just about everything
...my first bank account with Natwest when I was 13 years old; I am now 21 and have decided never to use them ever again.
Being a full time student in the second year of study at University money is always a big headache, luckily I had managed to save a fair amount during my year out after my A-levels. However, it came to the point where I (as do all students) would have to make use of an overdraft facility. I went to the main branch in Hull and asked ... ...This was ok, except that Natwest were never too reliable when it came to sending me monthly statements. Just in case I didn’t have statements from the last three months (they would have been at my parents house) I enquired with Natwest as to whether they would be able to print them out for me, they said they could but it would cost me £2.50 per sheet of paper (no wonder a simple statement comes on 3 sheets). As it happened (luckily!) I did ...
Rude 14.06.2001 (23.10.2001)
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Ciao members have rated this review on average: very helpful Review of NatWest
Advantages: Great student accounts Disadvantages: haven't encountered any major ones
...me the best freebie - Natwest offered an 8 pound record token and I have been with them ever since.
I went to them when I joined university, an account manager sat me down and went through all my options, I opened a student account and I was offered an interest free overdaft of 750 pounds in my first year which could be increased by 250 pounds for each of my years at uni. I was given a switch card with a 20 pounds credit to my account. I once went ... ...Also during my time with Natwest I needed to take out a graduate loan - it was an emergency, the bank were sympathetic, they sat down with me while they filled out the paperwork, faxed it to their head office and the funds were in my account within 4 days!!!
I have also recently discovered travelling, and have bought travellers cheques and currency through them the rates were good and there was no commission n the currency.
The other service offered ...
curly110 03.03.2003
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Ciao members have rated this review on average: very helpful Review of NatWest
Advantages: Great online banking, good bonuses with student account, problems dealt with perfectly Disadvantages: Problems with Maestro card, long queues at peak times, not all branches have extended opening
...have been a customer with NatWest for approximately 4 years. I joined them when I began my studies at University with a student current account which has now been moved on to a graduate account. I also hold savings and a credit card with them. As a result of moving around a lot recently, I have had regular experiences in numerous different branches. === Setting up accounts === I opted to set up all my accounts in-branch, with which I have had mixed ... ...These bonuses set the NatWest student account above those from other banks and have continued into the graduate account: I still have two years of free railcard left and my interest free overdraft remains for a year. After that year the first £1,000 is interest free, decreasing each year. The debit card provided with this account is a Maestro. I have two minor niggles with this card. The first is that your account number is not on the card, therefore ...
rugbyleaguefan 11.10.2009
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Ciao members have rated this review on average: very helpful Review of NatWest