NatWest Online Banking - www.natwest.com

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Do not open an account with these amateurs.Their online banking system simply does not work and they will freeze your account for no good reason. They will be compensating me for the cost of sitting on the phone for extended periods, plus lost work time,plus the stress that they caused me. I actually could not pay my rent on time because of the actions of one of their online staff.They are just a big joke and should be closed down.

Before writing my review I would like to say that after the lengthy and disappointing experience I am reviewing I was finally able to get hold of someone who was helpful and sorted out the mess NatWest had created.

I opened an executor's account recently following the death of my Father. After the usual delays probate was granted and the opening of the account was completed.

The estate funds were duly transferred to the exceutor's account.

On attempting to pay out the funds to the beneficiaries, the problems commenced. I was unable to transfer funds online, my request was simply rejected, so went to the bank branch to transfer the funds (obviously this involved travel costs, parking fees etc). The branch were unable to transfer the funds, despite my having previously given them a copy of probate, the will etc. The branch asked me to write a cheque, which I duly did, and handed it to them. The branch then, allegedly, made the necessary security checks. Four days later I received a text from the bank asking me to verify the cheque. It was from a private mobile number and there was no return number/code/weblink to do this, only that I was required to verify the cheque within 4 hours.

I attempted to telephone customer services. On the first two attempts I received a message telling me their number was unavailable. I then made it as far as a call queue only to get someone's personal answering machine (I can only assume their telephone banking staff are working from home - but would you want to leave your bank details on a random answering machine?). By this time I had almost lost the will to live as I was twenty minutes into being messed around and I had not yet managed to speak to a living person.

I rang yet again and entered the call queue, this time I was given an option for a call back, which I took. I was rung back in 8 minutes, which was the wait time that was also offered. Here's the thing, the person I spoke to was clearly not aware it was a call back and asked me for details a number of times, before I had to ask him to stop and confirm that has was actually from NatWest Bank (he'd rung me from a private number).. Eventually he was able to verify the cheque (although I was on hold for lengthy period whilst he had to contact someone else to find out how to do it).

OK, so this issue is now purportedly been sorted out, but this is something to consider, all the basic security steps one would expect were missing from the entire process. The answerphone issue is at best a breach of GDPR, in that asking a customer to leave details on a private answering machine could allow anyone to hear your details. That the person who sorted the problem out had clearly not come across a similar issue before raises serious questions about training (or lack thereof) and that an attempt to ask for verification being made from an apparent private mobile number is a total no-no when it comes to banking security.

So, all in all, I am sure you can clearly see that clothed within a security process is an utter disregard for security that process claims to protect.

The irony is that I was going to transfer to NatWest on the basis of the service I received when opening the executor's account, however I now realise that my existing bank is not as awful as I had previously believed, so NatWest I will not be transferring my current account to you.

Regular on-line customer who pays my credit card in full each month. Checking my account this morning. Credit card paid today but the balance had a minus by it. Weird and made me feel uncomfortable.

I have been using NatWest Business Online Banking for the last 9 months and can truthly say it is the most outdated, cumbersome online banking system I have ever had the misfortune to use. I am a bookkeeper for several companies and use different banks online for each of them. Of the one's I have used, NatWest online banking is by far the worst. In fact, it is the only one I absolutely detest using.

If I want to make a batch of payments I have to re-select our bank account for EVERY individual payment so for instance, if I'm paying the salaries for 30 employees I have to re-select our current account and then select the person I'm paying. In addition there is no facility to create a group of payees.

If I want to change a reference on a payment I have to go through their authorisation process, so if I'm paying a number of suppliers who request that we quote their invoice number on the payment then I have to obtain authorisation for every payment. This means entering the payment online, then using their securekey, inserting a plastic card into the securekey, entering a code to access the securekey, choosing an option, then entering a number that has been generated through online banking, then entering another number generated by the securekey into online banking; and this is all just to change the reference on a payment for an already existing payee!

I have needed to send proof of payment to a couple of suppliers recently, the online banking doesn't allow you to print out current transactions; these can only be downloaded into an excel spreadsheet or similar, which isn't adequate as proof of payment. I telephone NatWest and they told me I could request a transaction listing but that it would take 6 days to arrive by post, they don't use email apparently(!!!!) and that I couldn't request it until the day after the transaction!

I could go on, the list is endless. I have decided that the only option is to do everything in my power to persuade my employers that they need to change banks and the sooner the better.

This must be the worst online banking I have ever been involved with. The app is not easy to work with and you have to go through a lot just to get the online banking. The fact that I kept losing my details because I had too many of the to remember made it difficult every time I needed to do something. It's ridiculous. On top of that you have to a lot more again in order to make transactions. It's just a difficult app and hardly ever works. Do not go for natwest online banking. I would have liked to know that the process of online banking was this long before I went for it. I need something fast and easy that doesn't require a lot of my time and this is not it.

I had to receive 3 authorisation codes before one worked so took about 3 weeks to get online. After 3 or 4 visits it would no longer accept my access codes and locked me out. That was 2 weeks ago. I have still not received the promised activation code to go back on line. This service has 3 different access codes to even get onto your account and then a further PIN to make a payment – it is the least user friendly and most inefficient on-line banking service I have ever used. We are now looking at changing our current account to one that is reliable and efficient.

Natwest have changed the Login to make it "simpler and clearer". Now it doesn't work at all! I suppose that's clear enough, but, to be honest, broken is not what I want. I want online access to my bank account, like I used to have.

Fed up that every few months when I log on they lock my account even though I know I've entered the customer number correctly.

Sick of their help panel popping up as I'm entering details if I pause for a micro second.

Have been using Santander on-line banking for many years now and I have never had any security problems or snags with any transactions, whether that is transferring money or setting up direct or standing orders,so slick and easy.

Whilst I am not the greatest fan of Santander but their on-line facilities I am sure can't be beaten, as opposed to this ridiculous Nat west card reader nonsense.As I understand Barclay's is just as maddening.