NatWest current accounts review
With NatWest, you can choose from a wide range of current accounts and get rewarded for paying your bills.
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Whether you’re looking for a simple current account, a business account or one that rewards you with cashback, NatWest has plenty of options. It even runs generous switching bonus offers from time to time to attract new customers. NatWest carries all the advantages of a big, established bank, such as security, customer service and a network of branches if you prefer to deal with your bank in person.
To make comparing even easier we came up with the Finder Score. Fees, features and customer service across 20+ of the most popular banks are all weighted and scaled to produce a score out of 10. The higher the score the better the account – simple.
Read the full methodologyNatWest current accounts come with many different options and features, so you have good chances of finding something that suits your needs.
NatWest’s Select account is a simple option that makes it easy to manage your finances and doesn’t have a monthly fee.
NatWest gives you cashback on your bills and travel insurance, but it does have a monthly fee, so make sure you compare your options and get the best deal.
NatWest Premier accounts offer a series of benefits, such as worldwide travel insurance. However, Premium accounts are only available if you have a certain annual income or amount of savings, so you’ll have to check if you meet the criteria first.
NatWest’s student account offers a decent overdraft option and often has seasonal incentives. However, if these perks don’t appeal to you, you can check and compare our selection of other student accounts.
With NatWest’s children account, children between 11 and 17 can manage their pocket money easily and safely. However, if your children are younger and you want them to get an early start at budgeting, you can compare the alternatives on our dedicated page – some accounts can be opened when they are as young as seven.
There are 4 business accounts to choose from with NatWest. The bank offers a straightforward business account for those that either have been trading for over a year with a turnover below £1 million or have a turnover above £1 million and have been trading for less than a year. NatWest also offers a free mobile account for sole traders or limited companies with up to two owners and a balance of up to £100,000, a start-up account for those trading for less than a year with a turnover of less than £1 million, and a community account for not-for-profit organisations.
"I have a NatWest current account and I’ve been with NatWest since my mum opened an account for me when I was at school. I stayed with it as a student at uni, and then when I graduated I carried on. It’s been really easy to deal with the bank.
I feel really safe with this bank because once, I was a victim of fraud. They took around £2,000 really quickly. NatWest alerted me and stopped it really fast. And I got the money back.
If there’s one thing you’d tell a friend who’s thinking of getting this, what would it be?
I don’t get perks like cashback with this account, but I think they really protect my money so I’m happy to stay."
In our independent 2024 customer satisfaction survey, 91% of NatWest’s users said they’d recommend the brand to a friend. Customers highlighted the bank’s competitive rates and loyalty rewards. However, some cited disappointing customer services. Here’s what some of those NatWest customers had to say:
“It does what it is supposed to do, with a handy app to speed up transactions and to view account details”
“NatWest answer all my questions and offer lots of extra perks such as round ups and budgeting tools”
“Easy to use, good app access and reasonable fees”
On Trustpilot, NatWest has a rating of 1.5 out of 5 from around 7,000 reviews. On the Apple App Store, it scores 4.8 out of 5 from over 800,000 reviews, while on the Google Play Store, it scores 4.7 out of 5 from more than 432,000 reviews. These were updated in February 2-25.
If you are looking to use your NatWest debit card abroad you may be interested in how much you will be charged when using your card or withdrawing cash.
One of NatWest’s most popular current accounts, the NatWest Select Account, charges a 2.75% currency conversion charge for overseas cash withdrawals in Europe (EEA) and a 2.75% currency conversion for transactions for everywhere else.
For overseas card transactions, for example paying the bill at a restaurant by card, there is a 2.75% currency converion charge for Europe (EEA) and a 2.75% currency conversion charge for everywhere else.
If you are looking to avoid fees when travelling abroad, we have a guide on debit cards with low foreign transaction fees.
"I like that NatWest has all my accounts visible in one place. I can see my current account, mortgage, savings account and my son’s Rooster Money account as soon as I log into my app. Another thing that NatWest does is allow you to add an account from another bank to your app, so you can have visibility of all your accounts in one place.
Sending money is easy. I feel secure when I do it, as NatWest has biometric confirmation in place before the payment is sent. Features like that and round-ups into your linked savings account make banking with NatWest easy."
Minimum age you can apply | 11 years old |
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Account fees | £0-£2 per month |
Account types | Basic, current, graduate, student |
Opening options | In branch, online, by telephone |
Operating options | In branch, online, by post, post office, in app, by telephone, by text |
Debit network | Mastercard |
Overdrafts available | |
Switch service available | |
Packaged accounts available |
Email support | |
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Telephone support | |
In-app or live chat | |
Contact form | |
Branch support |
To open an account with NatWest, you’ll have to provide the following information:
You can open a NatWest account online or by visiting a branch.
NatWest has a broad range of bank accounts, from simple current accounts to those that come with perks such as cashback or travel insurance. The reward accounts tend to come with fees, so you might want to work out if you will earn enough cashback to make it worth it. To benefit from the cashback, you need to pay a certain amount into the account each month or have a certain level of income, so make sure you understand the rules. Unlike some top current accounts, NatWest doesn’t pay interest on balances. If NatWest’s current accounts are not for you, you can also compare other current accounts here.
All user-submitted reviews must meet our review guidelines. These set out our standards and expectations, including that the review is from by a genuine user of the relevant product or service and that it is honest, authentic and respectful. We explicitly prohibit fake or otherwise misleading reviews and we check all submissions, but we make no guarantee as to the authenticity of any published review or reviewer. Some reviews may be submitted (regardless of sentiment) in exchange for entry into any competition(s) for which we are the promoter.
Via customer survey commissioned by Finder
There online banking is easy to use and give you updates to any changes to the account
Via customer survey commissioned by Finder
Always been good for me
Via customer survey commissioned by Finder
I have my current account with them and never had any issues
Via customer survey commissioned by Finder
They are very good and their interest rates are good
Via customer survey commissioned by Finder
Great customer service. Recently had an issue which was dealt with quickly and professionally
Via customer survey commissioned by Finder
Have used it for years so know that it is good
Via customer survey commissioned by Finder
I've had no issues, but I wish it was as easy to use money abroad like with banks such as Monzo or Chase
Via customer survey commissioned by Finder
I have never had any issues, earned nearly 1000 in rewards
Via customer survey commissioned by Finder
It's a great bank been with them over 23 years
Via customer survey commissioned by Finder
Always been a customer of the bank.
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