NatWest Anmeldelser 

This morning I applied to withdraw some of my own money to pay HMRC my tax bill by the end of January 2025 from my Natwest 35-day Notice Savings Account. Despite providing my signature, Natwest has claimed it doesn't match and has refused to agree to the withdrawal. If you're thinking of using Natwest for your business banking, you need to be aware of this terrible customer service.

As per all other reviews. Dire service, in trying to get new names on the account, web access etc has now been 2 months and still not got what we need. I have been through their application process 3 times and filled in everything required only for the application to fail again.

As usual all the chatbot type services are completely useless

I created a trust pilot account just to write this review (i think i've only ever wrote one negative review for anything in 35 years on this planet)...

I recently started my first business and just received investment hence i opened a business account with Natwest.

It was time to make my very first transaction using the account; i needed to pay a supplier in another European country.

I tried to make payment Wednesday evening, but realised you can't copy and paste into the input fields so i left until next day.

Thursday: I typed IBAN, Account, Sort, bank address reference etc all out manually (quite a lot), clicked pay and their website crashed, specifically an overlay appeared (dark shadow). I typed out all of the information again and submitted, it crashed again. I called them and after 10 mins of the phone they tell me there is a problem with international payments and ii should try again after 14:00. I did it all again after 14:00 and it seemed to work.

Monday morning, i get a call from the supplier; payment not received. I was on the phone to Natwest 3x that day and it was not resolved by close of day as they were "investigating".

This morning - Tuesday, i call again, after 15 mins on the phone they tell me that the payee's bank asked them on the 10th (i.e. the day i sent the money), to contact me and double check it wasn't fraudulent. I can not believe this - they had that information since Thursday. Natwest proceed to carry out the fraud checks with me.

Throughout this period, it's important to know i do not know where £4.5k of the money i just received to start my business is.

The suppliers are quite rightfully worried. So they asked me to generate a PDF of the payment receipt - i.e. a PDF with a list of where i sent the money etc, basically all the things i spent ages typing when i made the payment. Natwest's website does not have this basic functionality! Turns out you can only generate the receipt immediately after you have sent the money. The only thing you can generate at a later day is a PDF with the name of the Payee, and a reference number. I sent this to the suppliers and they quite rightly asked where the rest of the information is (they even sent me ones their other clients had sent with info blocked out obviously). To find out i can't do this i tried myself, then i spoke to their digital assistant "Cora" - (i can think of a more appropriate name for it; also 4 letters and starts with "C" ). It froze trying to put me through to a human, literally froze, so i couldn't type in the input.
I google natwest business contact number; even that sent me to the wrong place. I just got off a 54 minute call trying to a) get a PDF payment receipt b) making a formal complaint c) trying to find out when the money will get there.

I have left the call without answers to a) and c) and i now have to wait.

I work a full time job while trying to set this business up . I simply can not express how angry i am with Natwest. I am so stressed out with this, it has actually made me feel emotional. I'm now going to try and convince the supplier that i'm not trying to pull a fast one. My relationship with him is damaged.

From one rational, intelligent human to another, DO NOT OPEN A BUSINESS ACCOUNT WITH NATWEST!

If you want a laugh, turns out i paid £15 to send this transaction. lol

update, it is now 18:07. Despite all of the above, i still don't have either a PDF as a payment receipt, or any idea when the money will arrive, or where it is. I just sat in the phone queue for 10 mins and i spoke to someone for several mins, then the line went dead. Have they called me back - what do you think?

TOTAL WASTE OF TIME!! My startup was urgently needing a business bank account and the RBS offer of 2 years fee free banking popped up. I went through the lengthy process of applying, both myself and the other director provided all details for AML checks. I heard nothing for 10 days so call them and am informed that the application has been cancelled as I am not based in Scotland and instead would have to apply for a Natwest account which takes 3 - 4 weeks! Why no communication in the last 10 days and why did the website allow me to even submit the application and then ask for documents to be sent to them?? These people seems to be utterly incompetent and lacking in basic common sense... horrible experience! Steer clear of Natwest and RBS if you want to save yourself a lot of time and headaches.

Horrible experience. Never ever open an account in NatWest. Waste of time. Better to look other options.

DO NOT OPEN A BUSINESS ACCOUNT WITH THIS COWBOYS

THEY WILL FREEZE AND UNFREEZE YOUR ACCOUNT EVER OTHER WEEK

MONEY NOT SAFE WITH THIS CLOWNS 🤡

Horrific experience applying for a Business bank account.
I repeatedly provided the required information for three months, during which time the case handler didn't respond to emails. I don't believe their English was up to the job, as they ignored questions completely.

Now I have the account number, and the process to get online banking is another slow, involved process involving board resolutions and dates the Chairperson was voted in etc. We are a 2-person, 50/50 Ltd company. There is no option for this,

I would advise, in the strongest terms, against wasting your time getting a Natwest account.

We were happy with Revolut however we couldn't use that type of account for certain purposes, namely inbound payments from Klarna.

Natwest really need to get into the Digital age.

My name is Sergey and I'll explain about my girlfriend's experience. Her name is Tetiana. She's very upset because of the very poor and subjective phone customer service! NatWest blocked her mobile app which is fair enough, and then the poor customer service began. I helped her to do everything correctly, including face and passport verification, but it was a great loss of time and hopes. The worst person called Michael, from 08001615165, decided that she must go to the local office and wrote that in her case records. Then every single attempt to unblock the mobile app was with the answer to go to the local office. Consequences are that she will loose 5 hours working time which costs her £60. Who's going to compensate her? It must be NatWest or that person called Michael! We're now considering which bank to choose and leave that poorly NatWest which most probably will bankrupt at the end of the day. Runaway guys?

Having stressful, humiliating and shameful experience with the UK Natwest bank I decided to expose the bank’s dishonesty and unprofessional actions.
The professional and selfrespected banks have a system to protect and acuretly resure customer’s that their assets are safe and calculation of transactions correct. Every transaction total shown horizontally and overall total on the top of the account. It is clear for customer how much added and how much spend exact transaction and date,
Natwest doesn't show transactions total horizontaly. They show the total only on the top of account. This give them plenty of opportunity to steal money from customers.
They easily can move figurs, change figures to justify lose of assets. In credit card they don't show refunds especially people like me who like to shop online.
For example, didn't show car insurance refunds £60, Amazon refunds very often, and online companies olso refund when the goods I sent back.
APP is a great help which I check daily.
In March they showed I was in debt £70.
I don't like depts and I am very organised financially. I pay everything on time.
Refunded £50 but £70 is still there. Eventually, I investigated all transactions and found out they owed me £240 refund never shown.
Complaint team declared will investigate which will take 40 working days. For me, it took two hours to find out. Eventually, they sent me a message saying as a gesture of goodwill £70 I didn't pay. The message didn't accept a reply. It was very frustrating for me.
The 1st of August I went Ipswich branch to open new saving account follow their advice on telephone which will give me opportunity close existing one which had limited access.
I paid £200 the agent to credit new Flexible saving account and £100 in current account. The agent said me that tomorrow 2nd of August I will see new Flexible account with £200. Next day there wasn't Flexable account no £200 and £100. I call NatWest the lady said £300 transferred into my existing saving account which I didn't want and it accepts only £50 a monthly. . I said it's not true. I suppose to have Flexible account £200 in and £100 should be in my current account. What about my existing saving account amount doesn't have anything to do with £300 which yesterday I paid in different accounts.
Sarcastically the 3rd of August I saw back-dated as the 1st of August £100 & £200 and Flexible account but no money in it and nothing in my current account.
They openly stolen £300.00
After sending messages to Cora and demanding £300 back to my account somebody sent me an email saying that they will investigate the case which would take 35 working days. Ridiculous.
I went back to the Ipswich branch the agent who opened the Flexible account didn't understand what was happening in my account. as missing £200 and £100.

In the same way I lost £200 I paid in my current accountat in Post office but I found out later after I returned from the abroad £200 want in my current account. I couldn't access my account after I I paid. Sometimes is not available.
Two weeks ago I was in Turkey appeared in terrible situation I couldn't enter in my current account which is Apple pay.

Anyway, disappearing assets from my account it is stressful. Natwest should think about it seriously.
I have spoken to a couple of people the same experience they had too.

Trying to open a business account, been on the chat function and phone trying to work out what documents they are waiting for, only to be told they have everything. I have been a personal account customer for 37 years, don’t think I will be much longer.

We have been trying to set up an online banking account for a new business for around a month.
The 5 partners have to complete their section in an email chain.
We are STILL trying and keep getting refused . Every time a 'mistake' is highlighted ( we are waiting to see what the latest is as the call handler can't find an issue), the entire email chain has to start again.
Utterly ridiculous.
We have invoices to pay and are being constantly delayed by a ridiculous automated system.

Are there any humans left at NatWest? I’ve noticed something I need to speak to someone about. It cannot be resolved via ‘Cora’ but after 25 minutes of chat and WhatsApp I realise no humans are available to speak to anymore. Can’t even log a complaint. Shockingly bad. Such a pity because my account normally runs along quite nicely.

My business is 35 years old. We are small, but trade internationally in USD and EUR. We have NEVER overdrawn and always maintain healthy account balances for which we receive no interest. We have banked with Natwest for 12 years. BUT NEVER AGAIN.
In March this year, I began receiving emails (followed by letters) telling me that we had to go online and provide information for a "business review"; and that if we did not do so by a certain date, access to our accounts (ie money) might be suspended. The process was long drawn out, required lots of data to be researched for answers, and was not helped by broken links and a dysfunctional web site that crashed several times during inputs. A few days later, we received a "reminder" (for an email we never received) telling us the information was incomplete, and now threatening a fairly imminent suspension of our accounts. To make a long story short, we received many more of these "reminders" over the ensuing weeks, each telling us the infomation we had provided was unaccepted or incomplete, and many times we had to answer ridiculous requests for information that should have been obvious to Natwest from the information they already had (like "We have observed that your overheads have increased this year. Please explain."). Clearly a poorly written AI system was behind much of this.
The threats of accounts suspension came thick and fast, despite us responding immediately to every request. Finally they acknowldged that we had answered all questions satisfactorily, but we never ever received a message saying the case was closed. In the meantime, fearing for the consequences of an abrupt closure of our accounts and loss of funds, we set up alternative accounts with another bank, which wasted a lot of time but was essential as a counter measure to maintain business continuity.
I complained to Natwest's Chief Executive about this ridiculous process, and the constant threats and bullying we had endured. The matter was referred to an agent who apologised, paid us £250 in compensation (paltry considering the time we had wasted on this, and the extreme stress caused) and sent a very nice hamper. we were assured lessons had been learned and that nothing like this would happen again.
I was on the point of moving our funds back to Natwest, when the whole process unbelievably began all over again!!!!! Yet another email "reminder" for us to complete the review, or our accounts would be suspended in days.
I have now lost patience, and wrote to Natwest telling them to close our accounts. 9 days later, they have done nothing, except levy bank charges that have overdrawn one of the accounts, for which I am now receiving text messages . . . . with threats of account suspension!!!!
It's a bad joke: Natwest could easily have destroyed my business. And this is the bank WE have all paid to bail out after their behaviour in the banking crisis. They have learned nothing, except how to keep paying their fat cat salaries.
SORRY, IF YOU BANK WITH NATWEST AFTER READING THIS, YOU DESERVE EVERYTHING YOU GET. NEXT TIME, IT WILL BE YOU.

I have been using NatWest Bank for my business banking needs, and I am extremely satisfied with their services.

As a business owner, reliable and efficient banking services are crucial for managing transactions, payroll, and other financial activities. NatWest’s business banking solutions are comprehensive and tailored to meet the specific needs of my company. The online banking platform is user-friendly, making it easy to handle business finances seamlessly.

Their business support team is knowledgeable and always ready to assist with any queries or problems that arise. Whenever I’ve had issues or questions, their support team has been quick to respond and resolve my concerns efficiently. The security measures in place provide peace of mind, knowing that my business finances are well-protected.

In summary, NatWest Bank has exceeded my expectations with their business banking services. I highly recommend them to any business owner looking for a reliable and efficient banking partner.

Not surprised with all the negative reviews I see here. My online banking platform wouldn’t let me make a payment from my business account for over 3 days. I was on the phone with a customer care agent who was helping me make the payment urgently over the phone. She asked me all the security questions, read all the terms/ conditions/ declarations/ rules to me and just after she confirmed the payment was about to be made, the line cut off. I called again immediately only to be told I could not be put through to her but had to go start the whole long process again with someone else for my URGENT payment to be made. She never called me back!
And payment was never made.

All this came after Cora kept me hanging all day, the day before.

If I could put Minus 10 stars I would. It has now been over 4 months since We applied to switch our Business Account finally this happened last week. Received 2 letters and emails confirming this and that my other Business Account that we switched from was closed and all of information the information had been transferred.
Guess what I went to pay our staff today and there details weren’t there and as I said we have letters stating what they had passed Across to Nat West !!
So I phoned the switch team and they said I would have to call Business Customer Service. Which I did and explained everything to the young man who said he didn’t know what to do and could he put me on hold, so I was on hold 5+ minutes then a young lady answered saying complaints I said I hope her colleague had explained “Guess what no all he done was transferred the Call this has happened several times over the past 4 months.
So I had to explain it all again and all went silent for a couple minutes so I said “are you still there?” Got “yes” she said she was sorry but there was nothing she could do “ INTERESTING REMOTE WORKER LITTLE KNOWLEDGE AND SHE COULD NOT PASS TO A MANAGER???!”
So I asked her to contact the switch team and call me back?
She did callback with absolutely nothing to help me.
I told her I was on holiday and would have to travel home to get all the employees details to pay them. No help only she would open another complaint and escalate it!
Where has the days gone when if you had to end up Complaining. The people knew what there business done and would take ownership and sort.
Totally fed up she was useless I did tell her and said I m not having a go at you , however she should not be working remotely not knowing how to manage complaints. She again said sorry “THAT DOESN’t HELP” and she would not pass me to a manager.
She also tried to blame my old Bank which I had contacted already however as I had closed the account the only information they could give me was send by post the last 3 months statements. So she doesn’t know the Banking Code.
Oh well here’s to a 3 hour trip home so my staff get paid.

NatWest Business Banking have arranged funding and banking for me as I bought a business Chloe Owens has been fantastic throughout the process staying in contact and keeping me updated throughout. So far so good!

Absolutely useless when it comes to the my profile review stuff. Asking all sorts of stupid questions don't help fill it in and don't ring to say your account is going to restricted and send you two letters every time saying going to review and then there was a problem but never telling you the problem.

They were decent until this profile review rubbish.
Going to look to switch else where as the local branch is shutting down also.

Absolutely appalling service. Having banked with natwest since 2020, lately we received requests asking for business documents review. We are a brick/mortar office so provided the lease agreement, electric bills.

They rejected these documents and said we will only accept: accountant/lawyer letter & VAT registration.

We do not use an accountant & neither are we VAT registered. So we mentioned neither of these are actually necessary because what if a customer has no need for them?

They immediately closed the account down citing “no reply to our request for documents”.

What a joke.

That's scam! Joke!