Natwest Child Trust Fund Reviews - natwest.com/investments

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Natwest Child Trust Fund Reviews
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Latest Reviews

“child trust fund ”

★☆☆☆☆

written by Yanique888 on 10/11/2023

My daughter has been trying to get her Child Trust Fund money since the beginning of September 2023 it is nearly December. She had her ID verified in a NatWest branch and they also verified and signed her ID. Then 2 weeks ago NatWest send my daughter a letter stating they need her ID , so what happened to the ID NatWest sent to you ???? That's bank statements, provisional license, birth certificate and national insurance number letter gone. Personal information, how many times does my daughter need to send you ID. She also completed the maturity fund letter which clearly states she wants all the money to be transferred to her Lloyds account. This maturity letter was also signed in the NatWest branch and sent to you. Then a week ago she gets the maturity form again to complete. I have had to complain and I have the media involved now , if this doesn't work I will have to instruct a solicitor. She calls the helpline 4 times a day , sometimes they can get into the account and then they can't. Absolutely not professional and my daughter has really been affected by this as she wanted her money for uni.

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“Child trust fund impossible to access”

★☆☆☆☆

written by Richardson189 on 16/09/2023

My son turned 18 in April and been trying for months to access his child trust fund, numerous forms sent and now latest letter received they cannot process due to online address check being unsuccessful and want certification fom a professional or for him to pay for a post office verification, he already has a bank account with another bank so why are they making it so difficult, so glad we didn't add extra in this account, anyone reading this if your child trust funds with NatWest don't add funds place it in a account that they can get to when they come of age, reading through looks like my son is not the only one having this problem.

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“Worst service!”

★☆☆☆☆

written by nvByrne1952 on 09/08/2023

They couldn’t even get my name right! They are addressing my middle name as surname. I need to call so many times n travel to post office several times to get certified copy to show my name! I dunno how they assume I hv changed my name! They blamed the govt for getting the name wrong ????????‍♀️. Looking at the review, looks like I won’t get the money any sooner. I am going to write a formal complaint n post in necessary media about this! Every time you call, they add on more things for me to prove my name otherwise they won’t release the funds! Never again never!

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“NatWest are clearly committing something by not...”

★☆☆☆☆

written by Frosty4267 on 07/08/2023

NatWest are clearly committing something by not allowing legitimate account holders to access these funds. More fool the parents who have been topping up these accounts for 18 years . Terrible investments and withholding funds. Boycott NatWest.

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“Absolute joke !”

★☆☆☆☆

written by M.charnock on 30/06/2023

Been trying to get my ctf money since august 2022, first they needed proof of address which i sent, they took weeks to get back to me but they didnt send over any account details and just told me to put my documents through the online portal, they didnt get back to me for 2 months so i then put them through again and they sent a letter saying my document werent correct, i then went into the bank and they told me to ring the number on the previous letter i received, i rang up and they still told me i needed to go through the online portal. About 4 weeks after this o recieved a letter with all the account details telling me again to apply through the portal to access my money. A couple of months after this i rang up again and they told me i needed to get my documents certified and send them off via the post, so i went back into the bank to get them certified, they then sent them off and it has veen 6 weeks and i am still yet to here back.

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“Disgusting ”

★☆☆☆☆

written by on 15/05/2023

Digital only currency & praying on children. Moral & cashless society.

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“How to actually get your money:”

★☆☆☆☆

written by Schmittwx160 on 15/03/2023

First of all, screw the online portal you will get nowhere with it. Phone up the natwest child trust fund department and request a letter application, here's how I got my money in 1 month. After being untrue to and mislead by those over the phone, I eventually received my letter application. You don't need to sign up to anything, you just need to fill out the form. Here's what I was told and later found out I was misled to about: 1. The first letter application you get sent does not include a prepaid return letter, you'll need to pay for postage 2. You cannot send your birth certificate to them for approval, despite being told I could 3. If you are in Scotland, like myself, you can use your youngscot card as verification, alongside a list of other national IDs Trust what is written on the letter application, not what the misinformed people are saying over the phone. Now, let's move onto how you can actually get your money. I'm assuming most people want to completely withdraw from the bank and so I will focus on that side of things. You will receive a letter with some papers inside, read them and fill out section 1 (I believe it's called) for complete withdrawal. Miss out the partial withdraw section and fill out the third section with your signature etc. Now for ID. What they want is for you to get a photocopy of your ID. I got my youngscot card photocopied at my old school and had my old teacher sign it off. His name, occupation, that this was a genuine copy of the original, his work address and contact information. This is probably the easiest method to get it signed off but that may differ person to person. You get that photocopy and bank statement letter and send it with the documents you signed back to the address stated. Then you wait. If you fill something out wrong they will let you know, if not they will send you a reunification letter (or whatever its called) to get the money. Your bank statement and copy will be returned too. The reunification letter I belive is generic for all funds, hence why it may contain some unnecessary information. I signed the bottom of the letter off stating that I was the holder of the child trust fund, my signature etc. And sent that back. Luckily it did come with a prepaid letter. If you make a mistake they will also include a prepaid letter. After this happened I waited 2 weeks and received 2 letters. One stating I never sent the reunification letter back, which I did, and the other stating that the money was in my bank - which it was! An extra note: If you have changed your name, gender marker, have divorced parents, moved out of the country and back - you will have issues. My friend's parents divorced and so he changed his lay name and the child trust fund process got way harder, he had to send in proof of the name change, court documents etc. The moral of the story is do not for the love of God trust Natwest. The people on the phone are not informing you correctly and everything is unnecessarily complex.

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“MISTAKE ”

★★★★★

written by Pike408 on 06/03/2023

This is terrible, I didn’t realise how difficult it would be to get MY money! I turned 18 last year In AUGUST and got all my ID approved in the same month so I thought WOW that was quick surely it won’t take too much longer! well now we are 2023 MARCH and I am still uploading documents onto the portal because they haven’t been received!! this is a nightmare ecpecially for a 18 year old to be dealing with, it’s not suitable and it’s stressful!! I thought it was just me but after reading all these reviews I can see it wasn’t, something needs to be sorted but clearly all these rubbish reviews aren’t working. honestly very disappointing for people who need this money Or get exited when they turn 18, but trust me if you are using this service you won’t receive the money until you are long gone 19. DISGUSTING

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“Belligerent, pointless, beyond useless ”

★☆☆☆☆

written by Humphrey23 on 22/02/2023

Like others we have been trying a YEAR to get to get my daughter's money!! There is no email address. The online portal does not work. The only way to make contact by phone which is the worst customer service experience I've ever known. We're a single parent family - this money would be so useful for my daughter and it's actually become a real monkey on our backs trying to get it. I don't think she is ever going to get this money. Friends of mine who don't need the money as much as us have given up trying. Calling is pointless. It takes two hours to be answered, then my daughter has been told she has 'failed security' with no reason given. We've been transferred and cut off multiple times. It's incredibly stressful. We have sent multiple forms of ID, all verified and had them refused. They refused to send further forms for her to claim and told her to 'write them a letter asking for them to send the forms'!! She did this a month ago. Nothing has been received. I have made complaints previously and received a letter saying THEY are satisfied they have dealt with my complaint - with nothing done and no progress made. I have worked in banking customer service myself and cannot believe this is actually legal. I resent having to leave one star. I want my daughter to have her money.

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“It's like pulling teeth trying to sort out access to...”

★☆☆☆☆

written by on 21/02/2023

Well- where shall I start?, what can I say! Daughter turned 18 in 2022, we would like to move the funds to a current account - should be simple - right? Wrong! Trying to register on the online portal has not worked- because the page 'refreshed' before completing the process, but we still received an email saying the portal account has been created and we could now log in- how can we log in if we never completed the password creation option? Tried to register daughter's email- no luck either. Cannot do password forgotten option because it says 'email provisioned' & password prohibited. Contacted online chatbot! You get to leave a message with the expectation of a reply within 1 business day for 'customer support', then if you don't respond to that reply because you didn't see it in time- you have to start all over again. Contacted RBS investments by phone, explained in-depth, my daughter was with me on the call. Told us we would get an email to be able to reset the password etc---- still no email 4 days later. Left a message over the weekend, got a response today asking for the following o Your full name o Your email address o Your telephone number o Account number: o Exact date of online issue: o Exact time of issue: o Device: PC / Tablet / Smart Phone o Software: Windows / Android / iOS, etc. o Web Browser: Google Chrome / Internet Explorer / Microsoft Edge, etc. o Action trying to complete: o Description of the issue: Please detail, in full, any error messages or codes which appear / which browser version you are using Are they kidding me! I think they are just hoping people will give up- but that's not going to happen - it's our/my daughter's money, we paid in for 18years. Now I shall proceed the old fashion way- letter by post as there is no email to send a message, but you do have an option to send a secure message via your ' portal account' - which obviously wouldn't be a problem if you could access your account! I think it might be time for a complaint enquiry to the financial ombudsman service because this appalling service by RBS Investments does not appear to have improved - after reading all the reviews on here going back several years!

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“Worse than useless!!!”

★☆☆☆☆

written by Natwestarepoor on 16/02/2023

Submitted the certified I.D documents online for my son's child trust fund, only to be advised he had failed a money laundering check...just turned 18 2 months ago!!! The telephone advice changes every call and whatever instructions you are asked to follow are deemed incorrect by the time you contact them again. You don't find out until you chase it up. The website is shockingly poor. Every second screen has a "command error" once you click submit with correct details. The whole process has been a farce from start to finish...we aren't finished yet as still don't have the funds in my son's bank. I've asked for a complaint form or I will contact the financial ombudsman. I got my next door neighbours payment released to him by sending a copy of his birth certificate and bank statement as proof of address. Different broker but clearly not as useless as NatWest are. NatWest act like they are paying out millions with their identity and false checks but it's only a 3 figure amount.

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Deb_Nursebaker's Response to Natwestarepoor's Review

Written on: 21/02/2023

Exactly what I have found! Shocking service

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Was this review helpful? 3 0

“Waiting for 9 months and still no money ”

★☆☆☆☆

written by Moser411 on 17/01/2023

I have been unable to access the online portal since I turned 18 last April and I have had to go through the difficult process of doing it through the post and I STILL haven’t received anything. This is absolutely ridiculous. The phone service is terrible, takes an hour just a to get through to someone for them to do nothing.

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Deb_Nursebaker's Comment

Written on: 21/02/2023

Awful service--- totally agree

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Was this review helpful? 4 0

“When will receive funds ”

★★★☆☆

written by Franks1988 on 02/01/2023

My son uploaded his documents on the portal on the 28/12/2022 checked the portal the day after his balance said zero I phone them and ask why they said they have withdrawn the money amd will be put in his bank if 5 working days let us see if this happens so can not yet give a rating

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Johnsontravis18's Comment

Written on: 01/02/2023

Same thing happened to me did you get it?

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Hhadfield1's Comment

Written on: 25/07/2023

Same thing has just happened to me did you get yours? if so how long did it take for it to come through?

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Berhat's Comment

Written on: 17/09/2023

Did you manage to get the money

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Berhat's Comment

Written on: 17/09/2023

Did you get the money

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Berhat's Comment

Written on: 17/09/2023

Did your son manage to get his money

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Was this review helpful? 1 0

“Despicable ”

★☆☆☆☆

written by MsRWilson on 18/11/2022

It seems that every effort is made to make the process of accessing your money as difficult as possible. I cannot believe that Natwest has not been held accountable for their disgraceful practices. Three months later and my son still cannot get HIS money. He has given up trying. Shameful.

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Johnsontravis18's Response to MsRWilson's Review

Written on: 01/02/2023

Mine says 0 aswell now did you get it

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Deb_Nursebaker's Response to MsRWilson's Review

Written on: 21/02/2023

Awful service--- same experience

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Johnsontravis18's Response to MsRWilson's Review

Written on: 01/02/2023

Mine says 0 aswell now did you get it

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Johnsontravis18's Response to MsRWilson's Review

Written on: 01/02/2023

Mine says 0 aswell now did you get it

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Was this review helpful? 5 0

“They should be held accountable it's illegal what they...”

★☆☆☆☆

written by Planty81 on 26/10/2022

Sent in documents and they wouldn't exept them as the certification was on the back of the the proof of identity and not the front but if you put it on the front your writing over the actual document the adviser was as helpful as a chocolate fire gaurd!!! DO NOT PUT YOUR CHILD MONEY IN THIER HANDS OR YOU WILL REFRET IT!!!

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“Child Trust Fund”

★☆☆☆☆

written by KK18 on 25/10/2022

I cannot believe this bank operates the way it does. It's IT system is a complete nonsense. I have tried for over a year to register and my son who has since turned 18 has tried on several occasions. Fund transfer forms that were supposed to be sent out on his birthday (because he cannot register) have still not arrived (4 weeks ago), his investment has lost another 1,000 pounds and is way less than I have contributed over the past 18 years so the quicker he gets it out the better. I found out last night I could upload documents if my son simply signed and dated some paperwork to say he is wishing to cash-in his fund and transfer his money to his personal account (along with the other ID forms). Why were we not informed of this 4 weeks ago? The lad I spoke to yesterday has raised a ticket with IT so hopefully this can be resolved in the next few days.

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Deb_Nursebaker's Response to KK18's Review

Written on: 21/02/2023

We have been trying this month 02/2023, it appears nothing has changed- appalling service--- trying to sort out to get my daughter her money!!

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Was this review helpful? 2 1

“Absolute Joke of a bank”

★☆☆☆☆

written by 220Thomas on 15/10/2022

The Natwest CTF is a joke!! I am just glad we did not make additional contributions to this account. Over 18 years they have lost money for my son. It says that the accounts are managed by professionals!! Professionals in what? Certainly not investment banking. My dog would have done better. Shame on you Natwest.

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Was this review helpful? 4 2

“Terrible”

★☆☆☆☆

written by DominicMcKenna on 14/10/2022

Broken website, broken system, numerous calls to fix my account yet it wont be fixed, they are practically steeling my money

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Was this review helpful? 5 3

“disgrace - shame on you for taking from children”

★☆☆☆☆

written by WFrankland on 27/09/2022

My son did not get a return and you have made money out of money for Uni. You are a disgrace and so is this government.

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“Fund performance generally”

★☆☆☆☆

written by Quinlanhq1966 on 06/09/2022

We have yet to access both of may daughters natwest ctf funds so that particular nightmare is still yet to happen for us, however, I just wanted to comment on the performance of the fund itself. In 2004 I took out a stakeholder ctf with natwest, and after almost 18 years of regular monthly investment, it has hasn't really made any profit. We would have been better off just stuffing the money under the mattress. Daughter no2's fund started in 2006 and that is obviously the same. I really regret choosing this fund.

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Was this review helpful? 4 1

Our helpful community of likeminded people will be happy to answer any questions that you have.

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Asked by Kmarie2000 on 26th August 2022 Report this content
My son got a letter saying the ctf would be transferred within 15 days, has anyone actually got it within this time? We sent everything by post and have confirmation they have it.

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Asked by Justina.Cave on 23rd June 2022 Report this content
I cannot even register just keeps coming up with a error code every time. Phoned them three times. Now waiting for a email from Natwest as what to do. Natwest no help whatsoever. What should I do?

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Asked by natalie2410 on 7th June 2022 Report this content
Natwest added a mailing restriction to my sons child trust fund because they didn't have the correct address. And they sent me a letter telling I will receive the cost and charges disclosure. Are they charging me for this? As we had to search to find were the trust fund was.

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Asked by dawsonVL on 29th April 2022 Report this content
My daughter also has been trying for months to access her trust fund. Again unable to register online and on the phone for 3 hours and cut off before they answer! Have managed to get through where they said IT will chase the problem online and send paper copy of forms out. A few days later i called again after a long wait got through and they hadn’t sent the forms or sorted the online problem. So I managed to download the forms which I hadn’t been told about previously but now having issues with getting the ID verified. Was told online can send originals with no signature verification needed however the forms state not to send originals which I don’t really want send as they will probably get lost. My question is how have people had their ID verified my GP refuses to sign I am pregnant so wondering if my midwife can sign it but don’t want it to be returned this process is so frustrating?

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Asked by Oakes11 on 29th March 2022 Report this content
Why is nobody answering the phones?

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Answers (1)
Report this content Matz66 Written on: 27/04/2022
They are too busy ignoring letters, not responding to online chat and not paying anyone their money.
Asked by megan111 on 11th June 2021 Report this content
Has anybody actually received their CTF through this bank? I’ve been trying to get my money the past 2 months and no answer and no one will help me. I really don’t know what else to do??

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Answers (1)
Report this content Matz66 Written on: 27/04/2022
I have searched on Twitter and found one person who had their money paid in January, out of many, many people who have posted the same stories as on here. Have you had your money yet?
Asked by matt12sd on 2nd September 2020 Report this content
If I have a child trust fund how much gets put in a year?

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Answers (1)
Report this content Matz66 Written on: 27/04/2022
Get your money out of Natwest a.s.a.p. The only money that gets put in, after the initial deposit, is whatever you want to add to it. Don't add anything. It's atrocious.
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