Natwest Advantage Gold Bank Account Reviews

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★★☆☆☆
2.1 / 5
35% of users recommend this
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Latest Reviews

★★★★★

“amazing”

Written on: 17/02/2014

I stupidly dropped my I phone 5 smashing the screen and knocked a cup of tea over it. Phoned NatWest this morning paid £50 excess new phone is arriving tomorrow morning. I am so amazed at this fantastic service… Read Full Review

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★★★★★

“Mobile Phone Insurance”

Written on: 08/08/2013

Contacted them by phone about my iphone which had developed a fault 5 days out of Apple warranty. No problems quick and easy, new exchange iphone sent out next day! I believe Natwest changed provider to Aviva and Carphone warehouse earlier this year… Read Full Review

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★☆☆☆☆

“Preferential rate is worse”

Written on: 19/03/2013 by SemiL (1 review written)

Called up to get a preferential travel money rate and they use travelex as their company. i checked the rate travelex offered - €350 euros was £305.81 this was gonna cost me £312.xx with my preferential rate. only costs travelex 1.95 to deliver to home so the preferential rate is still higher than whats available. this is a JOKE of a service… Read Full Review

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★★★★★

“excellent customer service”

Written on: 25/01/2013 by 123catdog (2 reviews written)

after losing my i phone and reading the reviews on here i honestly thought I was going to trouble with my claim but e-mailed in paperwork from phone company on Monday phoned Wednesday to see how long it would take and they sorted out the claim over the phone and received new phone in the post next day Thursday cannot fault them at all… Read Full Review

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★★★★☆

“Mobile phone insurance ”

Written on: 13/12/2012 by Jade89 (1 review written)

I lost my iPhone and was able to claim a new one through my advantage gold account!! Yes okay it's long winded but they have to make sure that the claim is eligible!! The scheme just aims to catch out people trying to get a phone for nothing which personally I agree with! If you have genuinely lost your phone and you have a spare old phone just to last you a couple of weeks, this insurance is well worth anyone's money!! Especially considering how much companies charge for this service!! You get… Read Full Review

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★★★★★

“Extended Warranty”

Written on: 12/12/2012

I needed to make a claim under the 12 month extended warranty that is offered for electrical items purchased with advantage gold debit or credit card. You do have to register the appliance under the T's & C's, which I had done. It wasn't a big claim, the handle off my fridge broke. However, I called the claims number and after a few minutes on the phone the claim was all dealt with. I was asked if I wanted an engineer to come out to fit the part for me or whether I wanted the part posted so… Read Full Review

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★☆☆☆☆

“WORST phone insurance!”

Written on: 18/11/2012

long winded incompetant company not worth switching for the other benefits… Read Full Review

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★☆☆☆☆

“Very Poor”

Written on: 06/07/2012

Very quick to take your money, very slow to process a claim. They seem to drag things out as long as possible… Read Full Review

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★★★★★

“travel insurance is fantastic!!”

Written on: 27/06/2012

whilst on holiday in turkey me and my group of friends all become very ill through suspected food poisoning, we had to go to hospital and be put on drips etc. I rang Natwest travel insurance emergency number from the hospital, i paid my £50 excess and that was it, they settled everything else direct with the clinic (trust me it was a lot more then £50 i definitely got my moneys worth!!!). it was a huge relief considering i was already in a horrid situation they just made everything so easy… Read Full Review

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★☆☆☆☆

“Phone Insurance Absolutely USELESS”

Written on: 21/06/2012 by riccresc (2 reviews written)

My experience is absolutely in line with other reviewers. After ten years with NatWest and four with Gold Advantage two weeks ago I submitted a claim for a stolen I-Phone. I have been spending huge amount of time and endless calls to an expensive 0845 number with no results ... after two weeks still no decision on my claim. I realised that I cannot trust the insurance facilities included in the NatWest 'package' (I am glad I realised this with the Phone Insurance and not with something more… Read Full Review

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★☆☆☆☆

“Mobile phone insurance”

Written on: 11/06/2012 by Mervynhancock (0 reviews written)

Got mobile phone insurance with the account and tried to claim on it after my Blackberry joined me in the river, following an accident, and wouldn't work even after I tried to dry it out. Spent 30 minutes on the phone to the insurer CPP who then told me that it would take up to five weeks to either get me a refurbished phone, replacement or cash equivalent. The Advantage Gold advert says: "Whatever would you do without your mobile phone?" - the answer is you are stuffed and cannot wait while… Read Full Review

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★☆☆☆☆

“sign up at your own risk!”

Written on: 05/06/2012

i work for natwest persoanlly, and have seen many people try to claim with the mobile phone insurance, i would advise anyone to not use this packaged account, as essentially it is a scam!… Read Full Review

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★☆☆☆☆

“Cant wait to stop banking with them after 28 years”

Written on: 06/04/2012

I have been a victim of Aston Midshires fraud insurance and paid £1500 on my credit card - Natwest insist I have no right for my money back the Ombudsmand wrote to Natwest asking them to review and still they keeep sending me a letter every week telling me they are still collecting evidence - I have sent them all the evidence they need and so did the Ombudsman on the 1st Feb. The fraud squad in London recognises I am a victim of fraud but somehow Natwest don't. Every other victim not banking… Read Full Review

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★☆☆☆☆

“DO NOT USE NATWEST TRAVEL INSURANCE IT'S WORTHLESS”

Written on: 25/01/2012

My mother had a heart attack in UK when my family were on holiday in Europe. I flew back that day to UK but she died before I got back. NatWest Travel Insurance advised my husband that curtailment would be the return to UK of the family. They have nitpicked every detail on the travel claim and will only pay for my flight not the families return to UK. Our holiday ended. They are dreadful, callous, awful, nasty people. DO NOT USE THEM… Read Full Review

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★☆☆☆☆

“DISGUSTING PHONE INSURANCE”

Written on: 22/11/2011 by jackieb1230 (1 review written)

I am still waiting after 7 days for my complaint to be dealt with about my phone insurance, they were reading the wrong phone notes and my problems were totally different issue. Been promised phone call yest and promised today. I have made 10 costly calls to them to try and sort. Worst service ever… Read Full Review

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★☆☆☆☆

“Advantage Gold waste of money, Please read ”

Written on: 26/08/2011 by ListingtoThis (1 review written)

Biggest waste of money ever I have been paying 3 years and never used the service. Only to cover my phone for insurance! I finally had a problem with my phone and made a claim only to get rejected! So it works out i payed over £900 for a service i never recived and when i did want to use it my claim got declined. Dont use this service its shocking and the homecare/cpp mobile phone insurance company are the worst i have ever delt with. When processing my claim the only contact was by phone… Read Full Review

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Guest's Response to ListingtoThis's Review

Written on: 27/08/2011

I've just had a claim for a damaged mobile phone refused on the grounds that it was in the hands of somebody else when it was dropped. It was! It was in my son's hands as it was his phone (I own his contract) and naturally he has permission to use it and is the only user. CPP claim that his details should have been submitted - I registered online and have no recollection of being asked to include named authorised users so if they did ask it was well and truly buried and ambiguous. Nat West Advantage Gold site confirms you can add another phone if the person has permission to use it - no mention of having to specify any names. Absolutely furious and so much so that I'm about to change bank and cancel all dealings with Nat West and fully intend to take this matter through the financial ombudsman and, if necessary, through the courts. Been with Nat West for more than 30 years and have been spreading the word about their improved service. My opinion is now of the absolute opposite. The service delivered in regard to this matter contravenes their highly advertised "Customer Charter" in three different areas. I don't cheat others and feel so cheated that I will also be contacting the Office of Fair trading (adverts are misleading) and BBC Watchdog (to ensure that others are not misled) and will see this through to the bitter end. I hope others will take a similar stand and not allow Natwest/CPP to bully them into submission.

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Guest's Response to ListingtoThis's Review

Written on: 03/09/2011

Yes, I have never used it either. I am now trying for the first time to book a hotel with this service and I have been left hanging on for over twenty minutes both times with music in the background but no-one to at least acknowledge they will get back to me. PRETTY USELESS SERVICE ALL ROUND

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★☆☆☆☆

“Appalling Service and Misleading Product ”

Written on: 06/06/2011

My accident wasn’t actually the ‘right sort of accident’ which meant the ‘Accidental Cover’ did not apply to my phone claim. I have been a Natwest Customer for over a decade, have never made a claim, and have substantial investments through them in various products. I will be removing all my products within the next 3 months as a result of the insurance fiasco. Do not use the Advantage Gold, as quite simply there is not advantage. … Read Full Review

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★☆☆☆☆

“Awful!!!!!! Same story as everyone else, phone got...”

Written on: 20/05/2011

Awful!!!!!! Same story as everyone else, phone got accidently damaged, 3rd party insurer said I did not take enough "reasonable precautions" and would not cover the claim. Absolutely furious as I didn't take out the Iphone4 insurance specifically due to being covered by my bank account. Now £400 out of pocket and severely annoyed at Natwest!… Read Full Review

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Guest's Comment

Written on: 26/05/2011

I'm in same situation. Currently waiting a response from Financial Ombudsman Service as I will not let them get away with it. If we all report them to FOS something may eventually be done about them!

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Guest's Comment

Written on: 06/06/2011

my story almost exactly the same. I too will be writing to the ombudsman. Doubtful we will get a result, but the false advertising culture of banks has to stop. NatWest Advantage gold does not offer 'Accident Damage' cover, simple as that!!

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★☆☆☆☆

“Absolute Joke. Lost my phone 3 weeks ago so phoned...”

Written on: 18/05/2011

Absolute Joke. Lost my phone 3 weeks ago so phoned vodaphone and blacklisted it. Faxed and posted prrof of purchase and claim form along with prrof of black listing. Rang them up to see where my claim was and got told still waiting for proof of blacklisting to which i informed them it had been sent. The guy said they didnt have it so i phoned vodaphone and got them to email them direct. Phoned back and the guy looked and said yep i have it , we now have all we need and your claim can be… Read Full Review

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★☆☆☆☆

“Have been a loyal customer of NatWest for over 15...”

Written on: 12/05/2011

Have been a loyal customer of NatWest for over 15 years and always gold account. Switched this year from O2 to the banks free phone insurance. BIG MISTAKE.
After being resisted since Jan 2011 we put a claim in during end of March. Wife dropped the phone. Only to be told 6 weeks later and loads of email and phone calls that when we joined we put the 0 and the 8 round the wrong way on the signing up form. Funny how the bank accepted all the details as correct.

So I allegedly entered the wrong… Read Full Review

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