Also known as: NatWest; NatWest Bank
National Westminster Bank Plc, known as NatWest, is one of the UK's four largest high street banks. It is part of NatWest Group, which also owns Royal Bank of Scotland and Ulster Bank. NatWest primarily serves customers in England and Wales.
The bank offers a full range of personal banking products, including current accounts, savings accounts, mortgages, personal loans, and credit cards. Business banking products are available for sole traders through to large corporations. NatWest also provides insurance and investment services.
NatWest has a large branch network and a well-regarded mobile banking app. It was one of the first major UK banks to introduce features such as biometric login and spending analytics within its app. Customers can also access support through telephone banking.
If you have an account or product with NatWest and need to get in touch, their main customer services number is widely available on their website. Their registered address is 250 Bishopsgate, London, EC2M 4AA. NatWest is authorised by the Prudential Regulation Authority and regulated by both the PRA and the Financial Conduct Authority. Eligible deposits are protected up to £85,000 per person under the Financial Services Compensation Scheme.
If you hold accounts with both NatWest and Royal Bank of Scotland, these are under the same legal entity, so the £85,000 FSCS limit is shared between them, not separate. If you are struggling with a debt or loan from NatWest, free and confidential debt advice is available from StepChange on 0800 138 1111 or from National Debtline on 0808 808 4000.
Quick summary
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These are general questions that may be relevant to your situation. They are not personalised advice.
Always use contact details from National Westminster Bank Plc’s official website ↗ or the FCA Register — not from unexpected letters or messages.
Main products and services
Personal current accounts; savings accounts; mortgages; personal loans; credit cards; business banking; commercial banking; wealth management
Trading names and group notes
Subsidiary of NatWest Group plc (SC045551, listed LSE/NYSE). Group also owns Royal Bank of Scotland plc and Ulster Bank Ltd. NatWest Group was majority state-owned following the 2008 bailout; the UK government sold its remaining stake in 2024.Review scores are third-party public indicators only. They are not proof of FCA compliance, product quality, or suitability for your circumstances.
Trustpilot
1.4
8100 reviews
App Store
4.8
Google Play
4.5
Other review sources
Which? Customer Score: 51%; Smart Money People: 3.6/5; FSCS protected deposits up to £85,000; high app store ratings contrast sharply with poor Trustpilot score
Overall public sentiment
Poor on Trustpilot (1.4/5, Bad). Reviews cite account closures without explanation, poor fraud handling, long call wait times, and branch closures. App store ratings (4.8 iOS) are markedly higher, suggesting the digital/mobile experience is better rated than human service interactions.
Review sources
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Source URLs used in preparing this record
Date checked
2026-06-05
Next review due
Periodic review
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