Review Time
I applied for a business bank account. The whole application process took a month, a lot of back and forth with documentation and evidence with emails and phone calls only to be rejected with no reason given. They didn’t even do a credit check within the last 3 weeks of the application process, this should have been a straight forward new business account. Instead it was lengthy, not at all new business friendly and not transparent.
So disappointed!!! On friends reference I submitted an application for their business account by far the worst experience in terms of customer services and overall as well, the case handler is away from office and I don’t know who’s dealing with my application they repeatedly ask the same question and when I submit they ask you to wait for two working days by which I think they mean a month because no work has been done so far except from escalation. Will be moving to some other bank. Not professional at all!!!!
Unfortunately I have to use NatWest Bankline for a client and would strongly advise avoiding it for business banking where possible.Even the most basic tasks are unnecessarily cumbersome compared to modern digital banks. Logging in on desktop alone requires a Customer ID, User ID, scanning a QR code with a physical card inserted, entering a PIN, generating a 10 digit response, and then providing characters from a password. This is excessive and time consuming for routine access.Opening EUR and USD accounts was also a painful, drawn out process which can be completed almost instantly with many digital banking providers.Functionality is oddly restricted. Payment templates can only be created on desktop and not via the mobile app. Approval rules are equally frustrating. I can approve future dated payments to UK companies, but same day payments and international payments require dual approval, and there is no clear or intuitive way to adjust these settings.Overall the system feels outdated, inflexible, and poorly designed for modern business use. If efficiency, usability, or digital first banking matters to you there are far better alternatives available.
Nat West advertised free business banking to new start-ups, trading for under 3 year's. I applied, got the account in October 2025, didn't notice they'd taken £20 in October then £30 in November in bank charges. Then in December they took £60.20 and took my account overdrawn. I run with very little profit being a new business and some months at a loss, I can't afford this!
I called to challenge this, they advised nothing they can do, it will have been in small print. I asked to close the account on the 2nd of January, they advised i have to complete a form, they will send it to me. It's been 24 days and they haven't sent the form and I can see £56.05 in charges pending now for the end of January. Avoid this bank, they deceived me with a free bank account and say they can't help when I raised this with them.
The NAT WEST business banking fraud team are the worst. They love blocking accounts while they do their due diligence and investigating. Meanwhile they delight at inconveniencing the business customer and are extremely arrogant. If you complain,m they simply write an email saying there is no vaild complaint. Terrible.
Business profile review system does not work on iPhones/iPads, does not give clear error messages (if you miss your title it will fail but not tell you) and even after 2 calls with helpdesk to confirm process is actually done it will mail you to say it’s not done and turn off your banking!
I have been trying to open a community bank account for several weeks, after jumping through many loops and what I thought was the finishing post I was informed my log in details were incorrect (used several times) I was advised to change my password and pin, I have had to do this now 3 times, each time told they were incorrect, my only option now is to look elsewhere as it appears to be totally impossible to complete the process.I also tried to transfer a small amount of money from my current account, put in the NatWest account and sort code I had been provided with, only to be told the account didn't exist.
Tom is Brilliant, yreally helpful, he knows everything regarding business, banking, finance worries as I have a new project coming up, he advised savings ideas for my main account and how to find out if the business iam buying from is legit, i was worried about to buying expensive iteams needed from my house as i need the warranty.He is brilliant at his job, he's must have known everything I was worried about. M y future project he advised a financial advisor and all the other help he is very good at his job, so polite, intelligent, helpful, he has just made my plans alot easier without the confusion I had to start with. Thankyou Tom at the business line Liverpool..Thankyou so much Tom, you are a great asset for Natwest..
Nat West advertised free business banking to new start-ups, trading for under 3 year's. I applied, got the account in October 2025, didn't notice they'd taken £20 in October then £30 in November in bank charges. Then in December they took £60.20 and took my account overdrawn. I run with very little profit being a new business and some months at a loss, I can't afford this!I called to challenge this, they advised nothing they can do, it will have been in small print. I asked to close the account on the 2nd of January, they advised i have to complete a form, they will send it to me. It's been 24 days and they haven't sent the form and I can see £56.05 in charges pending now for the end of January. Avoid this bank, they deceived me with a free bank account and say they can't help when I raised this with them.
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