Natwest Step Bank Account Review

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1.9 stars
Average rating for this product is: 1.9 out of 5

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Guest's Review of Natwest Step Bank Account

5th Sep 2008

Overall Rating

4 stars
  • Customer Service
    4.5 stars
  • Ease of use
    5 stars
Good Points

Very good account for those people who need to restart or rebuild credit history.


Bad Points

High charges for unpaid items, unauthorised O/D.


General Comments

I opened this account 18 months ago after nearly lots of problems with a previous bank.
This account does offer a Solo debit card, but obviously no overdraft or credit facilities (but trust me, when you're having credit problems, the last thing you want is more credit!).
I am delighted to say that, a year and a half down the line, Natwest have just contacted me to upgrade my account to a full current account. Haven't checked it recently, but I am 100% certain that there is still adverse information on my credit file, as defaults don't vanish in 18 months. However, due to the account being maintained in good order they've been willing to upgrade it.
I've always found their customer service team to be very efficient and fair - having no overdraft facility and a low income, it's inevitable that some months you are likely to be short of money. In the event that it looked like I was going to go overdrawn, I have been able to walk into my branch at lunchtime on the day DD's were due to be paid and explain the situation to the staff, who have ALWAYS recalled a couple of DD's for me to stop me getting charged. They are always willing to listen and try to help, in my experience.
So basically, if you've had credit problems and are looking to rebuild your credit, I would highly recommend this account.

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