Natwest Advantage Gold Bank Account Review

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2.5 stars
Average rating for this product is: 2.5 out of 5

From 6 ratings and 18 reviews

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jethroedavies's Review of Natwest Advantage Gold Bank Account

26th Jul 2007

Overall Rating

0.5 stars
  • Customer Service
    1 stars
  • Ease of use
    3 stars
Good Points

Fairly good online banking facility.
Good at giving a good overdraft limit for the 'just in case'.


Bad Points

Don't carry out promises.
Money spent on the Advantage gold card is a waste unless you can take full advantage of it.


General Comments

I have been a Natwest customer for 23 years and have been a loyal customer for all those years. I purchased a house and was offered a mortgage and upgrade of my account to Advantage Gold Account as I was told by the bank representative that I could reduce my mortgage rate if I did so. I looked around at other mortgages and Natwest could not offer no where near the better offers elsewhere so I decided to go for the better offer. As I had my buildings Insurance with Natwest it was in my best interests to keep the Advantage Gold Account for the better rate. Recently I remortgaged my house and Natwest offered me a mortgage and if I got offered a better mortgage elsewhere they would pay me £1000.00 well that never materialised. Further to that, as I was intending to let the property Natwest refused to insure the property unless I had a mortgage with them. I feel unless you can take advantage of all that is offered from the Advantage Gold Account then it is a waste of money. However if you like holidays, spending more money on CD's, videos etc, spending more on your mortgage then its the perfect account for you. I will in the near future be closing my accounts with Natwest.

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LenderAccountDescriptionInterestAEROverdraft  
Overdraft LimitOverdraft Rate
Alliance & LeicesterPremier Direct AccountEarn a great rate of 6% AER (fixed for one year) on balances up to £2,500.Monthly6.00%0.00%£2,000.00
Alliance & LeicesterPremier CurrentEnjoy Free annual multi-trip European travel insurance and earn 0.50% AER on balances up to £2,500.Monthly0.50%0.00%£2,000.00
NatwestNatwest Advantage Gold AccountEnjoy benefits worth up to £704 for just £12.95 a month. Including Mobile phone cover, Travel Insurance and even tailored rates on other Natwest products.Monthly0.25%18.49%n/a