Natwest Advantage Gold Bank Account Reviews

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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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LenderAccountDescriptionInterestAEROverdraft  
Overdraft RateOverdraft Limit
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 benefits such as, free annual European travel insurance plus receive a share of £50 when you recommend a friend.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

Average Ratings for Natwest Advantage Gold Bank Account

  • Ease of use2.4 stars
  • Customer Service2.6 stars
  • Reviewer Ratings2.6 stars
  • Overall Rating2.5 stars

18 Reviews For Natwest Advantage Gold Bank Account

  • Guest 20th Nov 2009

    Reviewer rating: 1 stars


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    The bits that they dont tell you:
    the Green Flag breakdown cover does not cover you unless the car is registered to you, if it's your wife's car you are not covered, if its a company car you are not covered!!
    The mobile phone insurance wont cover you unless you inform them the phone is potentially accidentally damaged before you know it is - I thought mine was covered under the phone's warranty, but was found on inspection by O2 to have taken a knock - don't know exactly when and since I made the claim when O2 returned the phone that is too late!!

  • Guest 12th Oct 2009

    Reviewer rating: 5 stars


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    loan rate

  • curlypops 28th Feb 2009

    Reviewer rating: 4.5 stars


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    I think the Natwest Advantage Gold account is well worth the money. If you insure your mobile phone can cost you about £10 month and for an extra £2.95 you get all the rest! As someone else said if you don't bother to use the facilities thats your own fault. remember to register for the mobile phone insurance as well as the identity theft insurance. The Advantage BLUE ( £6,95 /month) is the account with the rail card not Advantage Gold.
    I have advantage gold and use the 5* f ...

  • lora224 5th Feb 2009

    Reviewer rating: 5 stars


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    I never wanted anything to do with the advantage gold account from Natwest because to me the charge was just a waste of money. However when they sat me down in the branch and went through the benefits I decided to give it a go.
    I am pleased I did. I cancelled my old phone insurance which was £9.99 with my phone provider, when my annual breakdown cover came through is what going to cost me £120 including home start. So those two work out to £20 month and I am getting them both w ...

  • minnie04 8th Jan 2009

    Reviewer rating: 5 stars


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    I can honestly say the Natwest Advantage Gold Bank Account is an excellent account i have save money time and time again, especially with my holidays, we go away twice a year and each time i always look for flights online to get the best possible price as i travel from cardiff we are quite limited on our airlines, however everytime i get my quote online i then phone advantage gold and they have always beaten my price by 10% upgraded my package (i.e extra luggage allowance, food and seats togethe ...

  • Guest 20th Dec 2008

    Reviewer rating: 1.5 stars


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    I finally decided to switch from hsbc to natwest only 2 months ago after 6 years of hsbc who were more than fair to me.

    I was given the advantage gold card as me and my partner thought the discounts would suit us. I signed the agreement, not really aware of what i was letting myself in for...

    I specifically asked what costs would be encountered and the girl said no charges, i specifically asked this as i am a temporary worker, and if i am ever out of work, i cannot afford the payments... I m ...

  • george86 10th Nov 2008

    Reviewer rating: 5 stars


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    Easiest way to save money. I used to pay £9.99 a month phone insurance £117pa for breakdown £50pa travel insurance £80pa ID theft. All comes to £367. Also saved me money on my home insurance ( £19 per month! Abbey is a rip off) and 1% off my loan. I pay £12.95 per month £155 pa; it saves me £440 per year. And I only use half the benefits. So easy, no money up front either. Looked at other banks packaged accounts, same idea, same price ...

  • angjohns 16th Aug 2008

    Reviewer rating: 5 stars


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    I have a Natwest advantage gold bank account and love it. My husband and I were both paying £5.99 each mobile phone insurance but now we have them covered with the Gold account. We saved £540 on a family holiday to Florida and £392 on a family trip to turkey and our travel insurance was free with teh advantage gold. I bought a new washer and dryer which came with a 1 year manufacturers warranty. I phoned advantage gold who provided an additional years warranty which the sto ...

  • mutstar 17th Jul 2008

    Reviewer rating: 0 stars


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    Is it just me or does anyone else find Natwest's approach to charges a bit high? If you have a direct debit go out that you have not got sufficient funds for they send it back (pretty standard) then having returned the direct debit they charge you (also pretty normal) but on he same day! Now if you don't have the funds to pay the direct debit then logic would dictate that you wouldn't have the funds to pay the charge (unless the direct debit was for more then the charge i.e. £38). To rub ...

  • Guest 4th Jul 2008

    Reviewer rating: 4.5 stars


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    A wallet card with all the numbers on would be useful as when i broke down I did not have the relvanyt number to hand. I did not use to think it was any good until I worked out what I could save, i use to have separate mobile insurance and for car break down and holiday insurance but I have since cancelled these as a kind member of staff worked out a good saving for me.

  • medibot3d 13th Jun 2008

    Reviewer rating: 0 stars


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    This account is full of lots of small offers, which unless you take advantage of all of them your probably worse off. I was offered this account when I got a loan and was told by the banker she would put it on automatic cancellation after 3 months. As this would would cost me nothing and save on my loan. She didnt, It wasnt and Ive been to ask the bank twice to cancel it over the last six months (its very easy to forget about). But it is still active, I have now paid off my load and am changing ...

  • ladystinga Rank: Lance Corporal 15th May 2008

    Reviewer rating: 0 stars


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    I'm very displeased with natwest. I wanted to open a current account with them. A sales rep offered me advantage gold even though he knew i wouldn't use any of the services. He told me to come back after 3 months and he'd refund the charges if i didn't like the account. Now i'm overdrawn by £260 and they apparently can't refund the charges even though i have never used either card.

  • jethroedavies Rank: Lance Corporal 26th Jul 2007

    Reviewer rating: 0.5 stars


    On average, people found this review very helpful
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    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 in ...

  • jeany 21st Jul 2006

    Reviewer rating: 4.5 stars


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    I saved money on holidays booking through the Natwest Advantage Gold Bank Account travel service. The phone insurance is very good, as well as the travel insurance. So far this year I have saved over two hundred pounds on the holiday and insurance. Also, I have saved 1% on my personal loan.

    You do get your fees back if you cancel within 3 months, but it would be better to get a free trial in the beginning to make sure the discount will save you money before you start to pay out. Also, not all ...

  • ste84 Rank: Lance Corporal 7th Apr 2006

    Reviewer rating: 5 stars


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    Myself and my wife were quoted for travel insurance to Australia for 28 days at £128 per person. I simply went into NatWest and asked about their insurance, and they gave me a quote of the same price. They also mentioned the Advantage Gold bank account for a fee of £150 per year. This would cover myself and my wife for traveling to Australia for up to 31 days at a time, as many times as we went in the year; saving me around £150. Also, my son has mobile insurance and I have bee ...

  • serefina 3rd Apr 2006

    Reviewer rating: 0 stars


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    The NatWest Advantage Gold bank account is the biggest waste of money EVER. Do you really want to pay £12 per month for a 'Travellers Cheque Card'?! The identity theft doesn't really cover anything, and likewise the mobile phone insurance is a complete waste of time. I'm currently attempting to pay off my (minuscule) overdraft so I can finally get rid of NatWest once and for all.

  • tomassi Rank: Staff Sergeant 25th Mar 2006

    Reviewer rating: 0 stars


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    I got sent a letter saying NatWest were upgrading my current account, and with it a list of benefits, which I didn't really read. I just assumed it would benefit me being upgraded. After a couple of months and noticing the monthly fee of ten pounds, and having no benefits; when I rung telephone banking with another matter they asked if I was happy. I told them my problems with the Advantage Gold Bank Account and they gave me a list of benefits; none of which are applicable to me. For example, c ...

  • Bigchin7 Rank: Lance Corporal 6th Sep 2005

    Reviewer rating: 0 stars


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    The Advantage Gold Account is terrible!
    For £10 a month I got nothing. No interest or charge free overdraft, a "Gold" credit card with a rate of about 17% and none of the "great" discounts that it was sold on.
    Save 1% on a mortgage, loan or other product, but the rate is probably twice as much as other deals available elsewhere.
    Save £££'s on CDs, DVDs, electrical goods, holidays, travel insurance, you name it, but again the things you can get discounts on you can buy ...