NatWest

NatWest is owned by the Royal Bank of Scotland, which is in turn 73% owned by the British Government. The Government is in the process of selling off its remaining shares in the RBS Group.

NatWest is one of Britain's largest high street banks and offers the full suite of financial products. This includes insurance products as well as banking facilities.

Its home insurance is underwritten by U K Insurance Ltd, which owns brands such as Direct Line and Churchill. Its life insurance by Aviva Life & Pensions Ltd.

NatWest
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Bank accounts

Ranked 23rd of 30 providers reviewed.

Customer happiness 55%
Customer trust 45%
Complaints performance 71%
Transparency rating 50%
Fairer Finance score
Reviewed Spring 2019
55%

Credit cards

Ranked 19th of 34 providers reviewed.

Customer happiness 55%
Customer trust 47%
Complaints performance 71%
Transparency rating 41%
Fairer Finance score
Reviewed Spring 2019
53%
Gold ribbon: first place

Home insurance

Ranked 14th of 47 providers reviewed.

Customer happiness 55%
Customer trust 49%
Complaints performance 78%
Transparency rating 55%
Fairer Finance score
Reviewed Spring 2019
59%

Mortgages

Ranked 19th of 23 providers reviewed.

Customer happiness 54%
Customer trust 43%
Complaints performance 72%
Transparency rating 32%
Fairer Finance score
Reviewed Spring 2019
50%

Personal loans

Ranked 17th of 24 providers reviewed.

Customer happiness 55%
Customer trust 43%
Complaints performance 71%
Transparency rating 52%
Fairer Finance score
Reviewed Spring 2019
55%

Savings accounts

Ranked 27th of 42 providers reviewed.

Customer happiness 44%
Customer trust 53%
Complaints performance 71%
Transparency rating 59%
Fairer Finance score
Reviewed Spring 2019
57%

Bank accounts

Basic bank accounts

Current accounts

NatWest

Everyday bank account - Select

5 stars

Foreign use bank accounts

NatWest

Reward Platinum

3 stars
Limit to non-sterling cash withdrawal before increase in withdrawal fee i

NatWest

Premier Reward Account

3 stars
Limit to non-sterling cash withdrawal before increase in withdrawal fee i

NatWest

Premier Reward Black

3 stars
Limit to non-sterling cash withdrawal before increase in withdrawal fee i

NatWest

Reward Silver

1 stars
Limit to non-sterling cash withdrawal before increase in withdrawal fee i

NatWest

Student bank account (UK students)

1 stars
Limit to non-sterling cash withdrawal before increase in withdrawal fee i

NatWest

Student bank account (International students)

1 stars
Limit to non-sterling cash withdrawal before increase in withdrawal fee i

NatWest

Foundation Account

1 stars
Limit to non-sterling cash withdrawal before increase in withdrawal fee i

NatWest

Premier Select Account

1 stars
Limit to non-sterling cash withdrawal before increase in withdrawal fee i

NatWest

Everyday bank account - Select

1 stars
Limit to non-sterling cash withdrawal before increase in withdrawal fee i

NatWest

Reward

1 stars
Limit to non-sterling cash withdrawal before increase in withdrawal fee i

Overdrafts

NatWest

Everyday bank account - Select

4 stars

Packaged bank accounts

NatWest

Student bank account (International students)

3 stars

Student bank accounts

NatWest

Student bank account (UK students)

5 stars

NatWest

Student bank account (International students)

4 stars

Credit cards

0% balance transfers

NatWest

Balance Transfer Credit Card

4 stars
Balance transfer rate during promotional period i 0%
Duration of offer period for 0% balance transfers i 23 months
Representative APR i 19.90%
Risk based? i
Representative balance transfer rate i 1.52%

0% purchases

NatWest

Balance Transfer Credit Card

3 stars
Purchase rate during promotional period i 0%
Duration of offer period for 0% purchases i 3 months
Representative APR i 19.90%
Risk based? i
Representative purchase rate i 1.52%
Number of days before interest is charged on purchases i 56 days

Cashback and rewards

NatWest

Reward

4 stars
Reward extras i
Estimated amount of money customers get back in the 1st year (minus annual fee) i £157.53
Estimated amount of money customers get back after the 1st year (minus annual fee) i £157.53
Risk based? i
Annual fee after 1st year i £24
Foreign purchase fee i 2.75%

NatWest

Reward Black

4 stars
Reward extras i
Estimated amount of money customers get back in the 1st year (minus annual fee) i £97.53
Estimated amount of money customers get back after the 1st year (minus annual fee) i £97.53
Risk based? i
Annual fee after 1st year i £84
Foreign purchase fee i 0%

Foreign use credit cards

NatWest

Credit Card

4 stars
Representative APR i 9.90%
Foreign purchase fee i 0%
Foreign withdrawal fee i 3%
Risk based? i
Number of days before interest is charged on non-sterling cash transactions i 0 days
Representative purchase rate i 0.79%

NatWest

Balance Transfer Credit Card

3 stars
Representative APR i 19.90%
Foreign purchase fee i 2.75%
Foreign withdrawal fee i 3%
Risk based? i
Number of days before interest is charged on non-sterling cash transactions i 0 days
Representative purchase rate i 1.52%

NatWest

Reward

3 stars
Representative APR i 23.70%
Foreign purchase fee i 2.75%
Foreign withdrawal fee i 3%
Risk based? i
Number of days before interest is charged on non-sterling cash transactions i 0 days
Representative purchase rate i 1.45%

NatWest

Student

3 stars
Representative APR i 18.90%
Foreign purchase fee i 2.75%
Foreign withdrawal fee i 3%
Risk based? i
Number of days before interest is charged on non-sterling cash transactions i 0 days
Representative purchase rate i 1.46%

NatWest

Reward Black

3 stars
Representative APR i 37.10%
Foreign purchase fee i 0%
Foreign withdrawal fee i 3%
Risk based? i
Number of days before interest is charged on non-sterling cash transactions i 0 days
Representative purchase rate i 1.45%

Low rate

NatWest

Credit Card

4 stars
Representative APR i 9.90%
Representative cash transaction rate i 1.31%
Representative purchase rate i 0.79%
Risk based? i
Representative balance transfer rate i 0.56%
Representative money transfer rate i 1.31%

NatWest

Student

4 stars
Representative APR i 18.90%
Representative cash transaction rate i 2.08%
Representative purchase rate i 1.46%
Risk based? i
Representative balance transfer rate i 1.46%
Representative money transfer rate i 1.46%

NatWest

Reward

3 stars
Representative APR i 23.70%
Representative cash transaction rate i 1.94%
Representative purchase rate i 1.45%
Risk based? i
Representative balance transfer rate i 1.45%
Representative money transfer rate i 1.94%

NatWest

Reward Black

3 stars
Representative APR i 37.10%
Representative cash transaction rate i 1.94%
Representative purchase rate i 1.45%
Risk based? i
Representative balance transfer rate i 1.45%
Representative money transfer rate i 1.94%

Money transfers

NatWest

Credit Card

1 stars
Money transfer rate during promotional period i
Duration of 0% offer period for money transfers i
Representative APR i 9.90%
Risk based? i
Money transfer fee during promotional period i
Representative cash transaction rate i 1.31%

NatWest

Reward

1 stars
Money transfer rate during promotional period i
Duration of 0% offer period for money transfers i
Representative APR i 23.70%
Risk based? i
Money transfer fee during promotional period i
Representative cash transaction rate i 1.94%

NatWest

Student

1 stars
Money transfer rate during promotional period i
Duration of 0% offer period for money transfers i
Representative APR i 18.90%
Risk based? i
Money transfer fee during promotional period i
Representative cash transaction rate i 2.08%

NatWest

Reward Black

1 stars
Money transfer rate during promotional period i
Duration of 0% offer period for money transfers i
Representative APR i 37.10%
Risk based? i
Money transfer fee during promotional period i
Representative cash transaction rate i 1.94%

NatWest

Balance Transfer Credit Card

1 stars
Money transfer rate during promotional period i
Duration of 0% offer period for money transfers i
Representative APR i 19.90%
Risk based? i
Money transfer fee during promotional period i
Representative cash transaction rate i 2.01%

Home insurance

NatWest

Private Insurance

5 stars
Escape of water excess i £100
Matching sets i
Theft from outbuildings i Unlimited
24hr helpline i
Alternative accommodation i Sum insured
Cover for keys/locks if lost i Sum insured
Money in the home i £2,500
New for old i

NatWest

Elite Home Insurance

4 stars
Escape of water excess i £450
Matching sets i
Theft from outbuildings i £5,000
24hr helpline i
Alternative accommodation i £50,000
Cover for keys/locks if lost i Sum insured
Money in the home i £1,000
New for old i

NatWest

Standard Home Insurance

3 stars
Escape of water excess i £450
Matching sets i
Theft from outbuildings i £2,500
24hr helpline i
Alternative accommodation i £25,000
Cover for keys/locks if lost i Sum insured
Money in the home i £500
New for old i

Buildings insurance

NatWest

Private Insurance

5 stars
Trace & access i £15,000
Matching sets i
Cover for keys/locks if lost i Sum insured
Compulsory excess i £100
Escape of water excess i £100
Alternative accommodation cover limit i Sum insured
Cover for keys/locks if stolen i Sum insured
Property owner liability i £5,000,000
24hr helpline i

NatWest

Elite Home Insurance

4 stars
Trace & access i £10,000
Matching sets i
Cover for keys/locks if lost i Sum insured
Compulsory excess i £50
Escape of water excess i £450
Alternative accommodation cover limit i £50,000
Cover for keys/locks if stolen i Sum insured
Property owner liability i £5,000,000
24hr helpline i

NatWest

Standard Home Insurance

3 stars
Trace & access i £5,000
Matching sets i
Cover for keys/locks if lost i Sum insured
Compulsory excess i £50
Escape of water excess i £450
Alternative accommodation cover limit i £25,000
Cover for keys/locks if stolen i Sum insured
Property owner liability i £2,000,000
24hr helpline i

Contents insurance

NatWest

Private Insurance

5 stars
Theft from outbuildings i Unlimited
Matching sets i
Cover for keys/locks if lost i Sum insured
Cycles included whilst in the home i Sum insured
New for old i
Alternative accomodation i Sum insured
Money in the home i £2,500
Cover for keys/locks if stolen i Sum insured
24hr helpline i

NatWest

Elite Home Insurance

5 stars
Theft from outbuildings i £5,000
Matching sets i
Cover for keys/locks if lost i Sum insured
Cycles included whilst in the home i Part of sum insured
New for old i
Alternative accomodation i £30,000
Money in the home i £1,000
Cover for keys/locks if stolen i Sum insured
24hr helpline i

NatWest

Standard Home Insurance

3 stars
Theft from outbuildings i £2,500
Matching sets i
Cover for keys/locks if lost i Sum insured
Cycles included whilst in the home i Part of sum insured
New for old i
Alternative accomodation i £15,000
Money in the home i £500
Cover for keys/locks if stolen i Sum insured
24hr helpline i

Life insurance

Over 50s life insurance

NatWest

Guaranteed Sixty-Plus Life Insurance (increasing insurance)

3 stars
Cover for accidental death in waiting period i 3x full payout
Waiting period i 24 months
Premium ending age i 90
Can you reduce monthly payments? i
Missed payments allowance i 30 days
Protection for customers past the crossover point (refund) i
Payout for accidental death outside waiting period i Full payout
Maximum age i 80
Funeral benefit option Not offered

NatWest

Guaranteed Sixty-Plus Life Insurance (level insurance)

3 stars
Cover for accidental death in waiting period i 3x full payout
Waiting period i 24 months
Premium ending age i 90
Can you reduce monthly payments? i
Missed payments allowance i 30 days
Protection for customers past the crossover point (refund) i
Payout for accidental death outside waiting period i Full payout
Maximum age i 80
Funeral benefit option Not offered