You can find all information about NatWest bank’s and their policies by calling the NatWest Head Office Contact Number – 0844 453 0259.
National Westminster Bank, more commonly known as NatWest is a large retail and commercial bank that exists in the United Kingdom. The bank was established by the merger of two banks – the National Provincial Bank and Westminster Bank – in 1968. It has been a part of the Royal Bank of Scotland Group since 2000 and is known as one of the Big Four clearing banks. The bank has a network of almost 1,600 branches as well as 3,400 cash machines spread throughout Great Britain. They also have over 7.5 million personal customers and boast around 850,000 small business accounts, with around 33,300 employees.
|Head Office||0844 826 8022|
|Helpline||0844 453 0259|
|Complaints||0843 557 4876|
|Emergency/Fraud||0843 557 3646|
|Telephone Banking||0843 290 7185|
|Head Office||135 Bishopsgate, London, EC2M 3UR|
NatWest is one of the UK’s largest banks and covers multiple different kinds of financial services like credit cards, current accounts, loans, investments, mortgages and insurance. NatWest allows for multiple types of banking within their service, including online and app banking, telephone banking and visiting the NatWest branch local to you. NatWest also offers special services for customers who deal in multiple currencies and a private arm within the bank that is designed specifically to work with wealthy customers.
NatWest has origins tracing back to 1658 when Smith’s Bank in Nottingham was founded, but only began trading as National Westminster Bank in 1970. The bank was a runner-up at the British Bank Awards 2016 for the best business banking provider award.
When visiting NatWest’s website the options are offered for Personal, Private, Business and International banking. Personal and private banking offer ways to bank, products & services – including current accounts, credit cards & loans – and security & support that provides stability to your account and provides chances to report fraud.
Also in personal banking is ‘Life Moments’ which pledges to offer support with your life & family, your home and travel. Each of these sections prepares for the best, like getting married and having a baby, and the worst such as separation and divorce or financial struggles. With this, they also offer tools and guides for your service like salary, budget, loan, overdraft and debt calculators among other things. Each section has its own helping hand, showing NatWest truly try to look after their customers.
Business banking helps companies monitor their money relating to if they’re startups, have an annual turnover up to £2m, have an annual turnover over £2m and if they’re larger businesses that work internationally. The business banking includes current accounts specifically for business, offers small business loans that can reach up to £25,000 or business insurance which ensures protection for your hard work. If you suffer fraud within your business, NatWest has a strong business support centre that can help return your life back to normal. International banking with NatWest offers opportunities for personal and business banking as well as any offshore banking you may need.
NatWest had multiple different kinds of banking accounts, such as everyday bank accounts, reward bank accounts, graduate bank accounts, student bank accounts, child bank accounts, joint accounts and accounts for non-UK EU residents. If you’re looking for a standard current account, you will want the Select account, which is an account without a monthly fee. From your everyday banking account, you can upgrade to get a reward bank account which offers rewards in 3% for every Direct Debit payment. There is also the option providing a Reward Silver Account that includes options like phone insurance, cash back on items purchases like theatre tickets, European travel insurance, preferential travel money rates, and a Tastecard that offers discounts at thousands of UK restaurants.
There are also options for Reward Platinum and Reward Black accounts, which offer extra rewards like a concierge service, yet it should be acknowledged that the Black account can only be accessed by customers with private banking accounts.
NatWest’s mobile app is available to all customers who have set up online banking and have a UK mobile number. The app was voted ‘Best Banking App’ in the British Bank Awards 2017 and offers the opportunity to check your balance, view your transaction details and pay new people without needing a card reader. There is also the chance to register your travel plans with NatWest to help manage your money while abroad on your phone, and all of this can be accessed by using the fingerprint login option.
NatWest’s online banking service is available to all NatWest customers aged 11+ and allows them to check their balance and statements, make payments/send money, and manage & track their savings.
The online banking service also helps to set up your account for when you’re travelling abroad, which lowers the risk of your cards being blocked when you’re out of the country. There is also the opportunity to manage your account through changing the name of your accounts, replacing lost or stolen cards and updating personal details.
For your online banking, you will need a card-reader, which allows you to make payments, set up or change regular payments and update your details.
With your online banking, you can set up text alerts that will alert you to changes to your account, and allows you to select which alerts you would like to receive in addition to the automatic alerts you’ll receive.
When banking in branch there are a number of options available to NatWest customers. There are cash & deposit machines available now for customers who don’t have the time for personal service, and ATM’s available to check your balance, top up your mobile and more. There is also the chance to cash your cheques in the branches as they have started a new process in 2017 which allows cheques to be processed quicker. For rural communities that don’t easily have access to branches, NatWest offers mobile branches to help customers fulfil their banking needs.
NatWest also offers the opportunity to check your balance, make transfers and make payments over the phone. With this service, customers can use an automated telephone service to carry out a range of transactions, with Option 1 allowing self-service automated balance transactions, payments and general banking queries, and Option 2 is for existing customers who would like to extend their overdrafts or apply for a product. Option 3 is for if you are a registered online/telephone banking customer and would like to talk to a UK-based customer adviser, and Option 4 is for if you are a new customer or aren’t registered for telephone/online banking and would like to talk to a UK-based customer adviser.
When managing a mortgage you might find it is a complex situation to deal with. NatWest always offers a wide selection of mortgages for anyone who could be interested, from people buying their first home to anyone looking to remortgage their home from their existing mortgage provider and use NatWest instead. They also offer the chance for people to start mortgages for while they move home and also for buy to let properties.
If you already have a mortgage with NatWest they offer you the chance to manage your mortgage, switch to a new deal if your current deal isn’t working for you, change your mortgage as you move home and borrow more if you feel it is necessary.
With their mortgages, NatWest offers tools like mortgage calculators and rate fingers and overpayment calculators. This way you can always be sure you are being offered the best possible deal for your mortgage and also allows you to get an agreement in principle on new mortgages.
If you wish to download a PDF version of your statement, visit the online banking site, select statements and click on your account. There you will see an option to ‘view, save and print PDF statements’. From here you choose the time period you want the statement to be from and then click download statement.
Depending on what kind of savings account you have, interest is paid on different days. If you have an instant saver or cash ISA account, the interest will be paid on the first business day of each month. However, if you have a first saver account – which is designed for children under 7’s use – interest is extted to be paid on the first business day of January, April, July and October.
If you want to apply online for a job with NatWest you can click on the careers section of their website, which will lead you to the Royal Bank of Scotland (RBS) careers page, as NatWest is part of the RBS Group along with Ulster Bank and Lombard.
On this page, you can search directly for a role by entering a keyword and a city, town or postcode to find a job near to your location. You can also browse the career options at RBS. Within the organisation, there are chances to work in Functions – those who deliver support, expertise and advice, and help customer-facing colleagues and back office teams, as well as in Technology and RBS International which is headquartered in Jersey and has a presence in Guernsey, Isle of Man and Gibraltar. There are also multiple different roles within the organisation for you to find.
RBS also offer graduate roles and internships, along with apprenticeships, which helps the organisation to integrate a new generation into banking.
When browsing the website you can find sections like ‘Featured jobs’, which advertises jobs the organisation might currently be most interested in expanding. There is also the chance to visit their ‘About Us’ section, which provides information about their businesses and brands, and the opportunity to explore life at RBS by viewing their locations, rewards & benefits, inclusion policies and career development chances.
If you find yourself needing to cancel a Direct Debit you can do this by visiting NatWest’s Online Banking. If you go to the payments and transfers section, you can select manage Direct Debits and then find the cancel Direct Debit option.
If you are over 18 years old and have access to your NatWest current account you can apply to increase the amount of your overdraft at any time. This can be done either online by filling in an application form, or if you visit your nearest NatWest branch and speak to someone there.
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