I think NATWEST is one of the most Appalling Banks I have ever dealt with. Used to be an excellent bank when I first opened account in the 1980s. Experienced staff replaced with inexperienced and incompetent staff. Their incompetency lead to a my mortgage rate agreed after meeting a broker not being implemented for a year! Had fraud on my account with name similar to a bank staff who served me (could purely be a coincidence and no insinuation to NATWEST). I was unable to pursue or ask questions because member of staff in question had left the bank together with the mortgage broker who served me but failed to process my paperwork. I was made to feel a criminal and stupid and the way they dealt with it was poor. Recently (October 2018) a cheque was returned due to in sufficient funds when this was not the case as I also had a big overdraft not even used. The member of staff admitted there was no reason for the cheque to be returned to me. Tried to complain to customer services but line was disconnected. Renewed my mortgage rate in September online (not trusting to deal with staff), sent off documents with cheque for the fixed rate charge. I received a letter weeks later informing me that due to the high volume of work they were unable to process my cheque and asked that I pay by phone! Subject Access Request I made in May was eventually released in August. 2 months out of the 30 day timescale under GDPR. Still have account but moved by daily activities and savings to another trusted bank. I would not recommend NATWEST to anybody. It is very unfortunate that since RBS took over NATWEST their services has continued to deteriorate to the point of me as a customer mistrusting them. NATWEST does not appreciate loyal customers and in my opinion cannot be trusted. Given the ratings here it is obvious I am not the only one. NATWEST DO NOT ACCEPT FAULTS, DO NOT LIKE TO APOLOGISE, WILL TREAT YOU LIKE A CRIMINAL BEFORE A CUSTOMER, WOULD IGNORE YOU WITH NO EXCUSE IF THEY CANNOT HELP OR CHOOSE NOT TO. NATWEST ONLY NICE WHEN BUYING A PRODUCT. Lloyds and other banks much better and treat people more like humans. I sincerely hope one day this bank will be restored to its full glorious days of the NATWEST we knew and admired in the 80s.