Written on: 27/04/2013
Being a student most of us vary where we live throughout the year between our family home, halls of residence in 1st year and private accommodation after. For each time I have moved and changed my address Natwest have still weeks and months afterwards sent statements and letters to my past addresses. While it seems they can update the address in branch very quickly the back office takes months to catchup which requires a lot of chasing around. Even now I wouldn't be surprised if rogue post... (read more)
Written on: 08/02/2013 by durshley (1 review written)
I can only assume that only people who have had a bad experience with Natwest could be bothered to write a review. I have had my account for 12 years now, with my Student account kicking in in 2007 when I went to University. I've found the railcard incredibly useful, always delivered on time. I changed course in my second year and they quickly changed my graduation year accordingly. I've not had any issues with any of the facilities offered and the overdraft is one of the best for students.... (read more)
Written on: 25/11/2012 by game94 (2 reviews written)
I've had this account for three years and have had no issues at all. Setting it up was really easy, I checked what I needed and went into a branch with my acceptance letter and everything else that was needed. It took no time at all and didn't take long before I received the details and set up online banking. I received the details on how to get the railcard which was a simple process and didn't take long either. The free railcard (not sure if they still do it for new accounts) is such a... (read more)
Written on: 24/12/2010
i applied to natwest railcard on 8th october but they declined my photo.. i don't see any problem with it as my brother's one was worse but they accepted it. they didn't inform me that there is a closing date for the application, they only said use the code by 30 nov not finish the application by that date. it is only a photo issue, if they are kind, they should forgive me. plus i had to go uni which is a stress because i had to give 2 couseworkd on the same day.. please natwest give me a... (read more)
Written on: 12/10/2010
The way my account has been dealt with is absolutely APPALLING. I went in on 16th of Sept 2010 with all my evidence and opened the account and was told that my cards etc would be arriving within the week. THREE weeks later I received a letter through to my address - but with completely the wrong name on it. I then called up a branch and tried to re-open an account over the phone, and was told that my account was open and I would still qualify for a railcard (the account has to be open by a... (read more)
Written on: 22/09/2010
My daughter opened a student account half way through August. At the start of September Natwest sent her debit card, cheque book and PIN to her university address three weeks before the start of term. Guess what ....?? All of them went missing and had to be stopped. Asked for another set to be sent home this time and again they were sent to her university address. Time to give up I think and close this account. It's not worth tthe hastle. I'll just pay for her a rail card and keep her bank... (read more)
Written on: 13/09/2010
Went into Natwest in Loughton on the 26 August with all relevant paperwork and proof etc to finalise opening an account for my son, so he could recieve ema. We were 4/5 days with in the 28 day period, only to find out today that our application has expired and so now have to re-apply!! Spoke to four different members of staff from different departments within the customer service department/complaints department but to no avail! Tried to contact Natwest in Loughton, couldn't get through... (read more)
Written on: 11/09/2010
so many problems - tried to open student account in branch -sent away even though i had all the documents with me i has to make an appointment - jumped throught their hoops but still no account details as head office got to ok it - head office cant help chase/branch - LEIGHTON BUZZARD/so unhelpful!!!! stay clear of nat west if my advice (read more)
Written on: 05/09/2010
One of the conditions to receive the railcard is that you must check a box to stop receiving statements by post when you sign up to online banking. Upon receiving my activation code etc. in September 2009, I went to the website and entered all the appropriate information in order to activate my online banking, which included a tick box asking me whether I wanted online statements only, which I ticked. I then applied for my railcard, well aware of the condition that I must register for... (read more)
Written on: 23/08/2010
As far as student accounts go Natwest's isn't too bad. The overdraft is fine, customer support is...satisfactory but where I take issue is the free railcard. I was late in applying for mine, around November, but sent it off in time. I found out from them AFTER the 31st Decembember deadline that they had not received it and I was no longer eligible as the deadline had passed. I then rang them up to explain it all and they told me that they could not accept another application from me as the... (read more)
Written on: 23/07/2010
Haven't had a single problem with NatWest. Every time I've rang them up or been into the bank to take care of anything, fron standing orders to overdrafts, service has been prompt and efficient, without any hitches. Railcard application was easy and the replacement arrived in excellent time. Only problem is that I'm skint, and I can't blame NatWest for that! Would definitely recommend. (read more)
Written on: 16/07/2010
Awful Awful Awful.
I have had so many problems! They told me I can't open a student account til the 19th August as I won't recieve the welcome pack!? WHY can't they just give it to me when it comes so I can give student finance my details?
So in branch I set up a current account which they said they can upgrade to a student account when the welcome pack is available.. left the building with no account details etc because i was told I'd recieve it through the post.. that was TWO months ago.... (read more)
Written on: 15/03/2010
Not a great choice, especially if your course includes a year abroad, internet banking doesn't cover transferring money to an account abroad. In my experience transferring money or paying bills in the US has been expensive, not easy and has been problematic. Might be fine, if you're on a campus Uni with a Nat West on campus. (read more)
Written on: 12/02/2010
The fact that you can get a five-year railcard for free from Natwest is their saving grace.
If it wasn't for this, I would not recommend them to anyone.
Customer service: Very poor.
Internet banking: Very poor.
Interest free overdraft facility: Reasonable.
Savings rates (just in case you are a student with savings!): Very poor in general, other than the occasional good ISA rate.
I would advise students to open an account at Natwest for the free railcard, but make sure that you have... (read more)
Written on: 02/02/2010
Natwest raildcard farce. Have been with Natwest all year and is my only account. No renewed railcard. Tried my branch ...no help gave me number to ring. Tried number they said go to website ... you guessed ...website said try number. Eventually spoke to someone who said card had beed declined this year (didn't bother to tell me) because of lack of activity on account .. when I told them it was my only account they said go to branch. Main objection is they have my business and were not much... (read more)
Written on: 30/01/2010
I joined natwest backin september set up seemed eas althogh had ver rude cstomer services who were ver unhelpfl simpl telling me I need a utilit bill (I am 18 wh wold have a bill???) anwas got it set took forever for all the mass of paperwork to come through. I turned off paperless statements expecting me email about the railcard but nothing when I rang I got told the had sent me a gradate pack not a stdent one and now couldnt get m railcard
m advice dont go with natwest very very rude... (read more)
Written on: 22/12/2009
An irritating race.
The first meeting seemed correct. Everything had gone through with success although a few things remained hazy.
The account took exactly 10 days to be opened. Letters arrived one after the other confirming the accessibility to the account and its resources...but things got complicated when for the fifth time, poping down for another missing form, a withdrawal on the account wasn't possible.
Now starting to feel a little lost in the tremendous maze of forms, they sat me... (read more)
Written on: 25/11/2009
they are rubbish- they wouldn't even give me a railcard! (read more)
Written on: 24/11/2009
Terrable! Applied for this soding student rail card and the amount of hoops you have to jump through to get it are unbelieveable well to be honest i still actually havent got the card yet and were ending in november!!! (read more)
Written on: 16/11/2009
absolutelty rubbish and unfriendly ....they try 2 avoid increasing ur interest free overdraft as much as they can. regret no tgoing to halifax now....hu offer standrard 3000pound. (read more)
Written on: 31/10/2009
I HATE NATWEST!! I signed up for a Natwest Student Account as I wanted a free railcard. DON'T BOTHER!! Firstly, it took about 3 weeks to get all the information sent through the post as they send your pin, account details etc ALL separately. When I signed up, I asked for all my standing orders to be transfered from my other account (don't do this). It took ages for my online activation code to arrive so I couldn't check my account for a while, but when I did the standing orders had not been... (read more)
Written on: 24/09/2009
I am now in 2nd year and decided to apply for a Natwest student account. Its the 4th time i've applied online and it finally workd. my friend recommended it to me because of the interest free overdraft and freebies. as soon as i got the application through mail, i went tstaright to my branch to open my account, everything went well. they said that i will recieve my debit card, cheque book etc in about a week time and WTF! its been over 3 weeks now and I still haven't recieved any letter or... (read more)
Written on: 14/09/2009
Student Masters and Natwest overdraft facility. Despite taking a letter from my uni into a local branch to confirm I was still a student and that the account was a student account ( on Natwest system) I received a general letter from Birm'ham customer services asking me to ring them to discuss my account. On contact I was advised that the account wasn't a student, interest was added and they demanded full payement. Explained I couldn't pay in full, they asked if my parents could pay. They... (read more)
Written on: 08/09/2009
Natwest, specifically student accounts, will give you the full overdraft amount and not explain or even briefly go over the terms and conditions. Whatever you do read the small print! Despite paying back 1/3 of the overdraft in the last three weeks I have had several letters over the summer demanding the full payment back and they wanted more over the phone or they will pass the matter on to debt collectors and give you a black mark - guess they'll have to do that as I can not pay it back... (read more)
Written on: 29/08/2009
Appalling customer service! So relieved that it is not just me to recieve this from NatWest. Charged £38 TWICE for going over overdraft facility. Not told of these charges when opening account-have just been advised on phone that they are in welcome pack and that NatWest "Do not discuss these when opening account as too many different charges to go through"!! Also while in the branch today paying money in om 2 occasions to rectify situation was TWICE offered NatWest credit card for "when in... (read more)
Written on: 26/08/2009
Natwest Student accounts are a pickle. I have found that the online banking is a dream to use, and they have all kinds of nifty features like texting you your balance once a week and letting you know when your funds are up or down to your specified amount. It also has the option of paperless statements, which is nice when you are back and forth between home and uni, and moving between halls and student housing.
Their main draw for natwest is their railcard, and they make that... (read more)
Written on: 26/08/2009
on paper Natwest offered exactly what i wanted for a student account.an easy overdraft and no constant stream of letter to remind me of how poor i am. However i found their customer service [what customer service?!] truly innadequate. i used their drop-in money facility and they lose the money, then find it again but not until theyve accused me of lying about it, and pretty much made me feel like a criminal...as if worrying about rent money wasn't enough!when i did run over the amount they... (read more)
Written on: 21/08/2009
Absolutely terrible!I opened my student account with Natwest as I was already a customer, and wanted the rail card!BIG MISTAKE!!
Trying to get the rail card is like getting blood out of a stone!They told me that I would recieve all the forms in my welcome pack, yet I received a welcome pack for a completely different account, and nobody had a clue how to order the right one!
everybody in branch and in the call centres are completely useless, they haven't got a clue whats going on and... (read more)
Written on: 19/08/2009
dreadful customer service, avoid the natwest student account at all costs. (read more)
Written on: 07/08/2009
Customer Service is absolutely awful at Natwest.
I opened an Account online in order to qualify for the free USB pen that you would receive for opening online. I got the documents fairly quickly and went to the branch to confirm my identity.
My passport was fine, then she wanted proof of address, in which I produced my UCAS conditional offers letter. She said this was unacceptable even though the letter was dated two weeks ago! I then went home to retrieve a utility bill instead - only to... (read more)
Written on: 23/07/2009
On opening my account with natwest student, it was not made clear to me that of the many benefits offered, there is an extremely short time in which you must "apply" for said benefits, rather than them coming automatically with the account. As a result, as i didn't apply for my free student railcard within the first month (seeming as i already had one), the NatWest now refuse to issue me one for the whole 7 years they initially promised. After a lengthy battle with an extremely dismissive... (read more)
Written on: 08/07/2009
I felt when you go into Natwest they looked down at students not really caring as much, or being really condescending. They charged me for my overdraft and when asked why it was becuase I was not a British citizen eventhough I have permanent residency and am a home/eu student!
And I was not asked for any ID when i went into the branch to re-activate my card as I put in the wrong pin more than 3 times which was a bit worrying.
On a good note however they did send me the student railcard in... (read more)
Written on: 28/05/2009 by solentstudent (1 review written)
WORST BANK EVER! They give you the full overdraft amount and then demand the money back from you! Are they forgetting that this account is offered to students.
With no money what so ever and being the worst time with the credit crunch, after discussing the situation with them they still demanded the full amount of £1000 or the removal of my overdraft!
APPLY ANYWHERE BUT NATWEST! (read more)
Written on: 15/01/2009
I had my student account with them for four years which is now a graduate account. I opened it in the branch with ease, they gave me the maximum overdraft automatically and interest free. They also opened me a savings account and encouraged me to put some of my interest free overdraft into the savings account and earn some interest on them!!
They also give you a mastercard credit card with a small limit of about £500. It is great for emergencies and also you get cover when purchasing with a... (read more)
Written on: 11/12/2008 by hayleysoad
I have a railcard, which has already saved me £50. Good overdraft, although I hope not to have to use that.
The staff were friendly and helpful and explained everything. Obviously some salesmanship was involved, but you are going to get that at most of the banks. (read more)
Written on: 08/09/2008 by GabryQ (2 reviews written)
I applied in the beginning of August for a natwest student account, heard nothing so decided to reapply and then contact if nothing heard. This time paperwork was sent with a letter saying I could take the completed paperwork and proof to natwest branch. Upon arrival at branch I was told this was not true and had to produce the letter stating this fact before I was believed. The information was faxed and I was told customer service would ring in the next 48 hours, they didnt. I rang customer... (read more)
Written on: 24/08/2008 by danlawton (1 review written)
I opened a Natwest Student Account when I started at university in 2004. I had generally been pleased with them until part way through this academic year (2008). I started to get some very aggressively worded letters from their collections department despite still being within the overdraft they had given me, granted I was only £20 short of the total. When I phoned Natwest about this, it was requested that I had to pay the full overdraft in full over the phone or they would pass the matter... (read more)
Written on: 24/07/2008 by Unhappy Person (1 review written)
I've had a student account with Natwest for 2 years now, and I am quite simply thoroughly disappointed. I have had nothing but trouble with everything since the very beginning. I have read the other reviews here and I am relieved that people have the same opinion. I also did not receive a welcome pack for the account, therefore I have missed out on the railcard offer. I had no information or communication about the matter what so ever. Never got my debit card, cheque book or anything. So... (read more)
Written on: 19/07/2008 by Syla
I have been with Natwest since my second year of university and I am now a graduate. I can safely say I have no real problems, banking with Natwest has been efficient. The problems that some people have mentioned have really not affected me personally and I can truly say that as I am normally always at the top of my overdraft, I have never been ask to credit that. (read more)
Written on: 01/05/2008
I have been with natwest since 2004 as i started uni, they increased my student overdraft from 500 to 1250, it had been that way up to this day, I have finished uni and so I phoned them for an increase overdraft to 2000.
I have been working since January, but had been told by my employers I cannot work further until a id card comes through, I phoned natwest twice for this increase and they have both said different things, one guy asked me questions as they do, i.e. credit scoring ones, and... (read more)
Written on: 23/01/2008
Overall worth taking out a student account with natwest, all good points and no bad. (read more)
Written on: 13/11/2007 by Zahid27
I have been with the Natwest Student Account for 3 years and have had no problem, staff are always happy to help, telephone people are well mannered. The process of opening the account takes about 20 minutes and you receive things within 10 working days through the post. They also call sometimes to make sure if they can help you in anyway possible. I often ask them to increase my overdraft limit and they are happy to do so. (read more)
Written on: 17/10/2007 by Evilwheato (2 reviews written)
I thought I would add my own review, because the ones submitted so far don't seem to represent my views at all :(
I've been with Natwest for my third year now, and have never had any problems with them. I signed up when they were offering the free railcard, which was pretty useful for me because I use to take long trips home by train.
They send it to you every year automatically, which is great.
I went into my Natwest bank to increase my overdraft, and it was pretty simple. They ask you how... (read more)
Written on: 19/09/2007 by sliph (1 review written)
I think a lot of these comments have been written by people working for rival banks or working for Natwest!!.. badly at that. They go from one extreme "no good points at all" to "the best bank I have banked with" - all rubbish. Here's some more balanced opinion for any "real" students coming on here...
I notice one persons complaint about Natwest was that it wasn't worth it because they "had their railcard stolen" and Natwest weren't replacing it - a) it's not the banks fault it got stolen... (read more)
Written on: 06/03/2007 by majidtmir
My advice would be to go with any other bank or building society for a Student Account.
Natwest do not seem to value their customers as stated in their many advertising campaigns. (read more)
Written on: 26/01/2007 by pmdiva (2 reviews written)
The Natwest Student Account is absolutely fine if you have regular finances. But not is you have a card malfunction, or the system messes your account up.
Just rest assured this is not an easier way. I can't wait to close this account! (read more)
Written on: 22/12/2006 by guswest (1 review written)
I have banked with them for over 10 years. I have a savings accounts, a credit card and two current accounts. I have never had any major problems with them. Their student account has a large overdraft, which is interest free. The Natwest student credit account has a £500 credit limit, with the pleasure of a Mastercard, which is very useful. I would strongly recommend Natwest to other students. (read more)
Written on: 01/11/2006 by slashjunior2003
All in all, it is one of the best banks I have banked with. I have banked with all the big 5 banks, and NatWest is easily better than Barclay's, HSBC and Halifax. Time will tell if Lloyds TSB are any better. (read more)
Written on: 17/10/2006 by kingred
The overdraft facility is good, as they give you everything pretty straight up, but they have been so inconsistent.
One week Natwest take 4 days to clear a cheque, next they take 2 weeks, and hammer you on charges when you think the cheques cleared. You go and buy something, and they mess you about. Also, if you go over your overdraft limit on the student account, when you come to increase it, they won't for another 3 months. Also, the countless charges for being 1 pence overdrawn for... (read more)
Written on: 18/09/2006 by cazzybob (1 review written)
I am looking forward to closing my account. Although you can get an overdraft, you can get a bigger one at the Halifax. I had my railcard stolen two months ago. I have been into the bank twice to ask for a replacement, but it never arrives. I phoned up the helpline today, and they had no record of the branch trying to get a replacement for me. Rubbish customer service. (read more)
As rated by real users
"One major problem" Read More
"Student account overdraft 0/10..." Read More
"DON'T. DO. IT." Read More
"Lloyds loyal customer" Read More
"I have to disagree" Read More