NatWest Arvostelua 

What an absolute bunch of morons, its like dealing with school children, no wonder most of the reviews are terrible.

So disappointed!!! On friends reference I submitted an application for their business account by far the worst experience in terms of customer services and overall as well, the case handler is away from office and I don’t know who’s dealing with my application they repeatedly ask the same question and when I submit they ask you to wait for two working days by which I think they mean a month because no work has been done so far except from escalation. Will be moving to some other bank. Not professional at all!!!!

Total and utter abysmal service.
I tried to transfer the contents of my business account to another account and they suspended my transfer.

When I called I had to speak to the fraud department despite answering all th online questions.

After speaking to the fraud department they said they would release the funds and it could take 10 minutes to 2 hours.

It’s still not in my account and I’m having to spend my personal money for business expenditure.

I’ve tried calling 4 times since and there automated system will not put me through to an operator and would not give me the correct option.

Disgusting! For someone like myself who has severe anxiety issues from PTSD this is very worrying.

They also stopped a redundancy payment 3 years ago which took a long time to recover. I should have learnt my lesson from that.

Needless to say, I will be cancelling all NatWest accounts after this experience and strongly advise others do as well.

My wife and both my adult boys will be cancelling their accounts once this is resolved.

I been with this bank for years then Covid came and communicated was awful but l will let them off with that as it was difficult for everyone but since then it’s got worse not better be warned this isn’t a business bank it a joke bank be warned again and again and again l hope you got the message

This Bank is a cancer to the financial industry.

They charge for services they never provide

Unfortunately I have to use NatWest Bankline for a client and would strongly advise avoiding it for business banking where possible.

Even the most basic tasks are unnecessarily cumbersome compared to modern digital banks. Logging in on desktop alone requires a Customer ID, User ID, scanning a QR code with a physical card inserted, entering a PIN, generating a 10 digit response, and then providing characters from a password. This is excessive and time consuming for routine access.

Opening EUR and USD accounts was also a painful, drawn out process which can be completed almost instantly with many digital banking providers.

Functionality is oddly restricted. Payment templates can only be created on desktop and not via the mobile app. Approval rules are equally frustrating. I can approve future dated payments to UK companies, but same day payments and international payments require dual approval, and there is no clear or intuitive way to adjust these settings.

Overall the system feels outdated, inflexible, and poorly designed for modern business use. If efficiency, usability, or digital first banking matters to you there are far better alternatives available.

Nat West advertised free business banking to new start-ups, trading for under 3 year's. I applied, got the account in October 2025, didn't notice they'd taken £20 in October then £30 in November in bank charges. Then in December they took £60.20 and took my account overdrawn. I run with very little profit being a new business and some months at a loss, I can't afford this!
I called to challenge this, they advised nothing they can do, it will have been in small print. I asked to close the account on the 2nd of January, they advised i have to complete a form, they will send it to me. It's been 24 days and they haven't sent the form and I can see £56.05 in charges pending now for the end of January. Avoid this bank, they deceived me with a free bank account and say they can't help when I raised this with them.

The NAT WEST business banking fraud team are the worst. They love blocking accounts while they do their due diligence and investigating. Meanwhile they delight at inconveniencing the business customer and are extremely arrogant. If you complain,m they simply write an email saying there is no vaild complaint. Terrible.

Business profile review system does not work on iPhones/iPads, does not give clear error messages (if you miss your title it will fail but not tell you) and even after 2 calls with helpdesk to confirm process is actually done it will mail you to say it’s not done and turn off your banking!

I have been trying to open a community bank account for several weeks, after jumping through many loops and what I thought was the finishing post I was informed my log in details were incorrect (used several times) I was advised to change my password and pin, I have had to do this now 3 times, each time told they were incorrect, my only option now is to look elsewhere as it appears to be totally impossible to complete the process.
I also tried to transfer a small amount of money from my current account, put in the NatWest account and sort code I had been provided with, only to be told the account didn't exist.

Tom is Brilliant, y
really helpful, he knows everything regarding business, banking, finance worries as I have a new project coming up, he advised savings ideas for my main account and how to find out if the business iam buying from is legit, i was worried about to buying expensive iteams needed from my house as i need the warranty.He is brilliant at his job, he's must have known everything I was worried about. M y future project he advised a financial advisor and all the other help he is very good at his job, so polite, intelligent, helpful, he has just made my plans alot easier without the confusion I had to start with. Thankyou Tom at the business line Liverpool..Thankyou so much Tom, you are a great asset for Natwest..

If I could give a zero rating I would, natwest made adjustments to my account from sole trader to partnership, all carried out internally. To then receive a letter to say they are shutting my account as something hasn't been done properly, attempted to speak to them on many occasion, managed to speak to an English person once who said take the money out of your account ASAP otherwise it will be hard work to recover, absolute shambles of a company

0 is best to identify NatWest. They closed my account, following letters for questions to my business, I completed on line as requested. But system not comparable with Mac, (they say they are) format issues they were not aware of or admitted to. Filled in several times. All I got as reply re address the online form but could not answer what the problem was. If I don’t know and you don’t know how can I complete problem?
Ending up passing deadlines and closed my account twice, NT would not reopen until a 2 week review completed, cost me lost business during my busiest time. Cost of Intl BACS transfers, deposits and returned funds charged. Credit card funds frozen.I had very unhappy customers. NW Telephone always busy, they have IT faults, no satisfactory reply’s. Reply was always “don’t No”, very stressful and unsatisfactory service. Went on for 9 months😱 NW is way behind with their security and facial ID can be hacked not secure. After looking deeper found I could and purchased. Www. Natwest.IT and many other URL’s, how bad is that. Advising this fact they have now gone quite on me. Now I have transferred my business eventually all. Now lost my International business. Looking at their reviews I’m not the only one.

Fraud was detected on my account on 06/11 and the card was blocked — fair enough. I was told in writing that a replacement card would arrive in 3–5 days. It never did.

After chasing on 20/11, I was told a card hadn’t even been sent and a fraud flag was still on the account. A new card was ordered, but with yet another 10-day wait. That’s almost a month without a debit card, with business transactions being blocked.

Trying to raise a complaint is a joke. The only option is the in-app chat with Cora, which doesn’t notify you of messages and is completely unhelpful.

My “Relationship Manager” doesn’t respond to emails, and charges are eye-watering for the level of service provided.

I try to keep things simple and don’t need the account for much, but when you genuinely need support, it’s impossible to reach anyone or get any common sense.

They absolutely do not live up to their “Helpful Banking” tagline.

As they like to say: Try Another Way — and choose a different bank.

I have spent many hours trying to complete MyBusinessProfile demanded by NatWest.
They warn us the account will be frozen if not completed by 21st JAN but we have found it impossible to complete by uploading files as they have to be in a very specific manner and as only 1 file for 4 scanned pages and it can't be done on an iPad nor can it be posted. TOTALLY FRUSTRATED AND STILL TRYING...

Long winded application process. Outdated processes (insisting that sending codes via physical post is secure - it isn't!).
Won't let you close an account without visiting a branch, like it's the 90s.
A chat bot that was out of date 5 years ago.

I have not had access to my banking for 3 months now, and had to use the account switching service to get access to my funds. Just no replies from Aarron the complaints handler. Absolutely worse than useless. After being with them for 14 years.

If I could give this farcical department of NatWest a zero I would, due to illness and financial issues they’ve insisted I speak to Step Change Business line but it’s taken me an hour and 20 minutes and 4 sets of security checks to ask them two small questions that step change require? Baring in mind it was the Business Team that insisted I speak to them in the first place!

This kind of treatment and general lack of help and knowledge you’ll receive if you actually manage to open a business account with them and they’ve been like this since I opened the account almost 15 years ago, go else where.

It’s a real pity as I’ve a personal account with them and the personal team are bloody amazing, I couldn’t wish for better! They could certainly teach the business team a thing or two!

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.

I'm afraid I don't understand why, in light of an obvious case of fraud on my credit card - that coincided with the transfer from Sainsbury's Bank - the NatWest Fraud team are being so unsupportive of a long standing customer they have inherited.

I'm left feeling like they believe they're doing me a favour rather than offering any sense of 'customer care.'

So glad to take my business elsewhere now.