NatWest have a lot of bad reviews on here, but my experience so far has mostly been a good one and I've been a customer 7+ years. I'm both a personal and business customer. NatWest have a decent online/app system that is fast, simple and secure. I can jump in and out very quickly to get what I need done. Competing banks like HSBC are terrible in this respect. I have a healthy line of credit with NatWest, and customer service always sorts out my problems quickly. Setting up a company bank account was completed in a matter of days with 18 months free... very nice. I was also refunded for a scam a few months ago. I did not have to push them to make this decision, which was great. If this happens to you and they are resistant, just mention you'll take it up with the Ombudsman (this will often lead them to issuing a scam refund). Are NatWest perfect? Not at all, and certain services depend on your local branch. I had a mortgage in principle last year from a local branch and when it came to securing a property, the bank had quoted me about £30,000 too much because the Manager had done the maths wrong... so I couldn't go ahead with the house purchase which was a bit devastating. Their excuse was that my outgoings had changed, but this was in fact a minimal change that should have only made a £2k-3k difference. If it wasn't for this experience I'd be giving a 5 stars. I'll mostly be sticking to NatWest's online services rather than in-branch, because I think that's where they shine the most.