NatWest For 1 to 9 Employees

The below comments were given by respondents who gave the bank a medium overall score (see glossary for more details).

• "Decent, because they can help support small businesses and let you know what is available to you and if you can get it but they don't." Northern England; Construction
• "It is very poor and seems to give no feedback from the bank. [I] also cannot get information from the local branch, [it] always takes two days for them to get back to you." Southern England; Professional, Scientific and Technical Activities
• "Helpful when we ask for things." Northern England; Manufacturing
• "I don't use the services a lot. They are fine." Southern England; Construction
• "I don't really feel like it and I just put in and out." Southern England; Construction
• "Just day to day transactions. They do an alright job and I have not had any problems with them." Northern England; Construction
• "The service has been very good. Customer service in [location] branch is appalling. There are queues every day and they never have more than two members of staff." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "It's adequate for my use and my needs." Northern England; Professional, Scientific and Technical Activities
• "They are good bankers." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Used to be good. Not so heads on anymore. Always had bank managers you could speak to. That's all gone out the window now." Southern England; Construction
• "Not had any problems with them. That's all." Northern England; Construction
• "It's had its problems in the past, but it is ok now." Southern England; Construction
• "The service is adequate but not anything special." Northern England; Construction
• "It's UK based and we don't have to go through a call centre to get in touch." Southern England; Construction
• "Not as easy as it should be." Southern England; Arts, Entertainment and Recreation
• "I think they are satisfactory and get the job done." Southern England; Financial and Insurance Activities
• "When I didn't need money they offered it. They are not there to help." Southern England; Accommodation and Food Service Activities
• "I'm generally satisfied with NatWest." Northern England; Construction
• "It is fit for purpose basically." Southern England; Manufacturing
• "They have generally been helpful when we have needed them." Southern England; Construction
• "I find them adequate." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Very good. That's all I can say." Northern England; Accommodation and Food Service Activities
• "I have had good service. Never had problems." Southern England; Manufacturing
• "To be honest, their service is great but I feel there have been occasions where they haven't satisfied our needs." Southern England; Construction
• "The service is great now that I am paying for the service." Northern England; Arts, Entertainment and Recreation
• "Very simple business, so we don't make very [many] calls with the bank so it runs smoothly." Northern England; Arts, Entertainment and Recreation
• "They are adequate." Southern England; Other Service Activities
• "Generally we are not impressed and feel we are shoddily treated." Northern England; Information and Communication
• "Strange pricing structure." Southern England; Arts, Entertainment and Recreation
• "It's good." Southern England; Administrative and Support Service Activities
• "They transferred £42,000 to my wife's bank account without my knowledge, with internet banking, and did not phone for such a large amount." Southern England; Transportation and storage
• "I'd say that they're perfectly adequate." Southern England; Real Estate Activities
• "They provide an adequate service." Southern England; Mining & quarrying: Electricity, Gas and Air Conditioning Supply, Sewerage & Waste Management
• "It's acceptable." Northern England; Arts, Entertainment and Recreation
• "They provide a reliable and efficient service." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "It's excellent." Southern England; Manufacturing
• "Business account. Okay support." Northern England; Manufacturing
• "It is alright. Nothing majorly wrong." Northern England; Manufacturing
• "They basically provide my requirements." Southern England; Other Service Activities
• "Just average, really." Southern England; Manufacturing
• "Neither good nor bad." Southern England; Information and Communication
• "They're fine. I've never had any bad dealings with them." Southern England; Professional, Scientific and Technical Activities
• "Generally it is excellent, however on some occasions it fell short of expectations." Southern England; Other Service Activities
• "It is quite adequate, but lack of support shown." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Problem free relationship with NatWest." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "A fairly good service. I suppose overall it's just a better service." Southern England; Mining & quarrying: Electricity, Gas and Air Conditioning Supply, Sewerage & Waste Management
• "I think they have been very supportive and in particular have a very good manager." Southern England; Real Estate Activities
• "Everything's okay. Satisfactory." Southern England; Construction
• "Service is good. Highly recommended." Scotland; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "They do what you expect them to do." Northern England; Financial and Insurance Activities
• "Helpful and quite happy with what they provide. We don't have a lot of dealings with them." Southern England; Mining & quarrying: Electricity, Gas and Air Conditioning Supply, Sewerage & Waste Management
• "It's a bit poor. I get charged for drawing out money. It's a poor rate on savings." Northern England; Professional, Scientific and Technical Activities
• "Good but very expensive." Northern England; Manufacturing
• "We have been with them for 50 years, never had a problem." Northern England; Mining & quarrying: Electricity, Gas and Air Conditioning Supply, Sewerage & Waste Management
• "Reasonable for the kind of company we are." Southern England; Construction
• "It's an adequate service for a very simple business." Southern England; Transportation and storage
• "I'm happy with this service. It's very good. Not fantastic, but very good." Southern England; Professional, Scientific and Technical Activities
• "Adequate." Southern England; Manufacturing
• "Useful but more as a requirement." Southern England; Construction
• "Satisfactory." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "It completely depends on the person you're dealing with. The bank is almost irrelevant, it's the person in the bank you're dealing with." Southern England; Transportation and storage
• "I have had no problems with NatWest over the years." Wales; Agriculture, Forestry and Fishing
• "Reasonable for small businesses." Southern England; Other Service Activities
• "It is an adequate service." Southern England; Agriculture, Forestry and Fishing
• "Online is fine. Standard services are fine, but [the] staff are [profanity] clueless." Southern England; Construction
• "Mostly. However, there are a few annoyances, such as not being able to resolve issues as quick[ly] as I would like." Southern England; Manufacturing
• "Average." Southern England; Construction
• "It is an adequate service. No better or worse than other banks." Southern England; Construction
• "For what I use it for, it is fine." Northern England; Manufacturing
• "It's fine. We don't have much contact with the bank. We didn't take out any credit." Northern England; Manufacturing
• "[They are] pretty supportive." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Fairly good, but the bank charges are quite high." Wales; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Mediocre." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "I would say I have received a good service from NatWest with regards to Business Banking." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Good is all I can say." Southern England; Real Estate Activities
• "I don't know. I'm happy." Southern England; Accommodation and Food Service Activities
• "It's okay, [a] reasonable service." Southern England; Transportation and storage
• "My business account runs extremely efficiently." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "I had a situation previously where I arranged for £30.00 to be debited from my account, only for £300 to be taken out. [I] contacted the bank several times, and no one had an answer as to what happened. It took me quite some time, also, to get my money back which I was not happy about. I have tried to contact my branch manager and every time I do he is either busy or in a meeting, so I am not satisfied with the level of customer service I am receiving." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "A hell of a lot better than Barclays though it's still only adequate." Southern England; Accommodation and Food Service Activities
• "[It] fulfils my needs at present. That's all." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Fairly good." Wales; Accommodation and Food Service Activities
• "I have a good personal relationship with my manager, who tries to fulfil my needs." Northern England; Real Estate Activities
• "Quite happy and satisfied." Southern England; Real Estate Activities
• "Professional and courteous." Northern England; Construction
• "[It's] okay." Northern England; Construction
• "Great during the free banking period. Then, basically support got centralised afterwards and they closed my local branch which was one of my main reason for using them. [We lost the] business manger." Southern England; Information and Communication
• "Mediocre." Southern England; Financial and Insurance Activities
• "Adequate, but a little bit inflexible." Northern England; Financial and Insurance Activities
• "I use internet banking facility only. [It's a] good service." Southern England; Professional, Scientific and Technical Activities
• "Highly satisfactory. [You are] not a number, you are [a] person. [They are] very helpful in [my] local branch." Northern England; Construction
• "They are very helpful and friendly. Good customer service in-branch." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "[They're] very good. They phoned me up yesterday to find out how I was getting on." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "The service is simple and I appreciate the online service. The online service is very user-friendly. [They provide] good customer service, overall." Southern England; Human Health and Social Work Activities
• "I've had very little opportunity or need to contact NatWest, as they meet the needs of my business." Southern England; Information and Communication
• "Good. We speak to the manager quite regularly." Southern England; Agriculture, Forestry and Fishing
• "I think they are okay. They are not over the top." Southern England; Agriculture, Forestry and Fishing
• "I think it's my bank manager that gives the service, rather than the bank. He listens. You're not a number. He even knows my name, making it more personal than before." Southern England; Construction
• "Very good. Every time I have a problem, they get back to me. They are very open." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "They provide locally-based support. We have a branch locally to us, and a local manager whom we know." Wales; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "I'm happy with NatWest. That's why I'm staying with them." Southern England; Transportation and storage
• "They're good, but everyone could [do] with a little bit of tweaking. There are a couple of things I'm not happy with. Not being notified about being overdrawn, when you're too busy to get in touch with them, and then, them charging you sixty quid. The Banking Relationship Manager should have a much more dynamic relationship with the customer, to avoid unnecessary charges. It's really all about communication." Southern England; Transportation and storage
• "Fine. With the day to day business, it's fine. It's just IT issues." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "It's local and convenient." Northern England; Information and Communication
• "Their charges are extremely reasonable." Southern England; Information and Communication
• "Overall, they're quite good, as much [as] any other bank is." Southern England; Financial and Insurance Activities
• "Acceptable." Southern England; Administrative and Support Service Activities
• "Quite helpful." Southern England; Professional, Scientific and Technical Activities
• "Not good." Southern England; Human Health and Social Work Activities
• "It's a good service." Southern England; Construction
• "Adequate. They do what they are meant to do, but never phone me up to offer me any other service." Northern England; Human Health and Social Work Activities
• "Average. Very, very average." Southern England; Construction
• "Find them easy to use and efficient. I have a direct number, and I speak to a person." Southern England; Construction
• "Overall they are good, and they provided us with an overdraft instantly." Southern England; Construction
• "You might as well have a money-box. They are difficult to contact." Southern England; Construction
• "Satisfactory. Does what it says on the tin. As suspected, you are charged too much along the way." Wales; Construction
• "An excellent local service." Southern England; Accommodation and Food Service Activities
• "Adequate." Northern England; Information and Communication
• "It's a very good service." Southern England; Arts, Entertainment and Recreation
• "I ask, they lend." Northern England; Professional, Scientific and Technical Activities
• "It is as good as I expect it to be." Southern England; Professional, Scientific and Technical Activities
• "Good in parts, but they have made some bad mistakes. They have been debiting the wrong accounts, which had put us in breach with our regulator." Southern England; Professional, Scientific and Technical Activities
• "It's poor communication internally, amongst themselves. It took nearly six months to get the business credit card up and running, as they kept losing the forms. They're slow at putting things in place, and they're tied by rules and regulations, and [are] unable to move on certain issues because we don't fit the criteria. I don't think there's any real people in banking anymore, which is not always helpful. They try to be helpful, but they can't always do it. The banking sector is stiflingly small." Southern England; Manufacturing
• "Friendly and efficient." Southern England; Manufacturing
• "Well, basically just banks. My money pays my transactions. They don't have any incentives to pay in and take out the money, and also you don't hear very much from the business manager at all. [The] reason why I bank with NatWest is that it's local. They don't look after your money. I do business online banking and they do that well. The rates that they charge to put in and to take out. They keep asking me to have a business banking card and they ask for a fee for it. I'm not going to pay that." Northern England; Accommodation and Food Service Activities
• "It's [a] satisfactory service. We are a little isolated, there's no contact from any business support manager to help us or advise us. Probably because we don't need any services so don't get any additional support. We don't really get any offers either. However, we find online banking quite useful and effective. There's no complaints about the overall service though, not an awful lot for us complain about. What we do, we pay for. I don't know how useful they would be to borrow money as we don't use it." Northern England; Financial and Insurance Activities
• "Efficient and practical. It works, and accounts run efficiently. The information supplied is efficient and all works well." Northern England; Financial and Insurance Activities
• "They are very friendly and very helpful. There's nothing else that really sticks out [in my] mind. They are just an average bank." Northern England; Human Health and Social Work Activities
• "Doesn't have an opinion as the account is not used too much." Southern England; Administrative and Support Service Activities
• "It is just a minimum service really, and not much of a relationship." Southern England; Information and Communication
• "I'd say fair. Acceptable. Helpful whenever approached." Southern England; Manufacturing
• "They give us what we need, very happy with their full services." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "It's okay, but their charges are a lot." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "No real issues, one or two occasions charges relating to account have angered. Good business relationship, always deal with issues swiftly. No reason to feel need to change, online services great." Northern England; Manufacturing
• "Staff are brilliant, but the criteria and policies are crap." Southern England; Construction
• "Supportive, very understanding and professional. Easy to contact. Happy with them." Northern England; Professional, Scientific and Technical Activities
• "On [the] whole they are good." Southern England; Professional, Scientific and Technical Activities
• "They basically leave me to get on with my business, and provide support when I need it. We have a good relationship. They are not interested in my business, not nosy, and they keep out the way, working behind the scene." Southern England; Information and Communication
• "They're good when you [have] got money, but they're not good when you don't have any money." Southern England; Construction
• "It does not do anything well, but I deal with other banks and most of them are worse." Southern England; Mining & quarrying: Electricity, Gas and Air Conditioning Supply, Sewerage & Waste Management
• "I negotiated [a] good rate, so it's good for me, I suppose. They keep you informed about their promotions, so that's good. They're approachable and have a business unit to contact, so that's good. Not many businesses have that. Also, they are easy to contact and resolve charges with, because I had some bother with them before, but it was easy to fix." Northern England; Human Health and Social Work Activities
• "[Profanity]." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "They provide a service. They don't consider the size of the company. Could be far more sympathetic to business in terms of size and needs." Southern England; Manufacturing
• "I have experienced no problems at all. I opened another bank [account] because of differences in charges." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Well, the thing is I don't have any direct contact really. They provide the account and I just get on with my business, and put my money in the account." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Adequate for my needs . They provide just enough." Southern England; Agriculture, Forestry and Fishing
• "I am satisfied with NatWest." Southern England; Accommodation and Food Service Activities
• "Reasonable, but sceptical." Southern England; Human Health and Social Work Activities
• "They've been fine with everything they've given me." Southern England; Professional, Scientific and Technical Activities
• "I would say good apart from lending. Well, they don't like lending to the construction industry. Ordinary day-to-day banking. I have very good service from the business banking team. I was trying to borrow to purchase another property, they were just not interested even though I had very good collateral. I was trying to get finance for a 250kw solar array installation, a generator station, and they were not interested." Southern England; Construction
• "Again, in branch service is fantastic, but charges are excessive." Southern England; Mining & quarrying: Electricity, Gas and Air Conditioning Supply, Sewerage & Waste Management
• "The business manager is very attentive to my needs. I know where she is, and she is very efficient." Southern England; Transportation and storage
• "They're okay." Southern England; Real Estate Activities
• "Competent. Going through the motions. Steady. Let us down with a loan 5 years ago." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "I would say fairly good. On the investment side, I have had issues as with limited accounts you are not supposed to pay taxes and they messed it up. Tax implication [of] that was the problem. They were taxing when they shouldn't have been, but it was sorted in [the] end. That's it, really." Southern England; Construction
• "It's just there. We had a bad experience over a mortgage. I ended up paying the fee twice because they had made an error. So I wasn't too chuffed with that." Southern England; Professional, Scientific and Technical Activities
• "Difficult to get hold of. Closes off many branches." Southern England; Professional, Scientific and Technical Activities
• "It's just a bank. They don't provide a service." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "They rip me off every month. They don't offer free banking for when I am in credit." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "For me, I am of the older generation when you actually spoke with bank managers. Fortunately, I have a bank manager now who I can speak to and [this] is good." Southern England; Education
• "There are times we have to prompt them. We don't require them that much. They are an important service but we don't deal with them that often." Northern England; Information and Communication
• "Reasonable." Northern England; Information and Communication
• "Well they've always been good and on the ball. If I ever [have] a problem they always get back to me." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "They do just about what's needed." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "More than adequate. Helpful." Northern England; Financial and Insurance Activities
• "Conventional banking services, really. Could be more proactive." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Very good. No complaints. They handle money for you. It's okay." Northern England; Construction
• "I would say acceptable at this moment in time." Northern England; Financial and Insurance Activities
• "They do everything we need. The day-to-day banking is fine. Their arrangement fees are too high though. It is a way for them to get more money rather than have low interest rates." Southern England; Construction
• "Efficient, professional, generally a good service." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "It does everything I want it to at a reasonable fee." Southern England; Arts, Entertainment and Recreation
• "It's mainly the personal service we get with the dedicated personal manager." Southern England; Other Service Activities
• "It is easy for us, no problems. It is fine." Northern England; Information and Communication
• "They are average. They just have normal banking facilities." Southern England; Professional, Scientific and Technical Activities
• "We have a good manager. Everything has been fine." Northern England; Mining & quarrying: Electricity, Gas and Air Conditioning Supply, Sewerage & Waste Management
• "It doesn't do anything for you. It takes your money. It's just there and you've got to have them. The banks are all the same." Northern England; Agriculture, Forestry and Fishing
• "Not the best bank. They do not actually have an interest in small businesses. They are not very helpful." Northern England; Construction
• "[I'm] happy with the service but [the] charges are ridiculously high." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "I've had a few difficulties but managed to rectify them. If there were too many difficulties I'd move bank." Northern England; Education
• "They do what we need them to do." Southern England; Other Service Activities
• "Satisfactory." Southern England; Accommodation and Food Service Activities
• "I find the account minimal." Southern England; Other Service Activities
• "I really don't have any dealings with them. It just sits there. It's a straight transaction account." Northern England; Information and Communication
• "It is okay." Southern England; Manufacturing
• "It's a convenient bank for us to use and we find that they are generally responsive to our enquires or any problems we have." Southern England; Real Estate Activities
• "It is satisfactory, and it covers all our needs." Northern England; Other Service Activities
• "It does everything I need." Northern England; Education
• "I wouldn't say a lot about them as I'm not impressed with them." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "For normal businesses that want to borrow money I would say shop around to find a bank who would offer more personal support, and be willing to invest in areas that are not mainstream." Northern England; Arts, Entertainment and Recreation
• "Adequate service." Northern England; Agriculture, Forestry and Fishing
• "It is okay, and I have no problems. I wish it was cheaper, but if you gain on one, you lose on another." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Very helpful. Always there when you need them." Southern England; Construction
• "At the moment, they have closed their local branch and [I] have to go out of my way to a non local branch. Average service." Southern England; Construction
• "It is fine. I was told by a gentleman in NatWest never trust the banks." Southern England; Mining & quarrying: Electricity, Gas and Air Conditioning Supply, Sewerage & Waste Management
• "The service is quite straightforward." Northern England; Human Health and Social Work Activities
• "They delivered what they said they did." Northern England; Information and Communication
• "Very good service and support." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "I'm very pleased with the service. They have always done well by me. No problems with them." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Just basic services and no special help." Northern England; Arts, Entertainment and Recreation
• "Quite efficient, but not necessarily that helpful when they did not seem so flexible, as I have been with them a very long time." Northern England; Construction
• "Adequate. Mainly able to fulfil what I need." Northern England; Construction
• "The reason I use them is because there are only two banks in my town, and therefore I need a branch that's local." Southern England; Real Estate Activities
• "I am pleased with their services, just that sometimes you get charged for stupid things." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "It's okay. It suits my needs." Northern England; Education
• "I haven't got many facilities with my bank, and just run my account as I would with any other bank." Wales; Construction
• "I think NatWest and all the banks are pretty much the same." Southern England; Transportation and storage
• "Adequate." Northern England; Other Service Activities
• "I would use them. They were very helpful in the setup of the business. The only thing is their overdraft facility is a lot, they charge interest." Wales; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "I think they provide services at exorbitant cost. One thing that annoys me is when we need to speak to [a] manager, [we] can only do it through a premium rate call." Northern England; Professional, Scientific and Technical Activities
• "Adequate, meaning it does the job. It is functional where I just put money in and it does the job." Northern England; Financial and Insurance Activities
• "I suppose it's adequate." Southern England; Professional, Scientific and Technical Activities
• "Adequate." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "It's just like every other bank. You won't even get through to the person you need without going through a whole team. Been with them for 9 years, not had any problems." Northern England; Other Service Activities
• "The service we receive is adequate." Northern England; Arts, Entertainment and Recreation
• "Quite helpful." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Satisfied, that is about it." Wales; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "NatWest was local, that's why I went with them." Southern England; Manufacturing
• "The online facility is easy." Northern England; Financial and Insurance Activities
• "The service is absolutely perfect, but they charge too much [in] banking charges." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Particularly the online service is efficient, and it's good service." Northern England; Professional, Scientific and Technical Activities
• "Could do better. Basically, NatWest have now removed their local business manager service, which is now handled by a call centre, which I think is doing both themselves and certain customers no favours." Northern England; Agriculture, Forestry and Fishing
• "We like the local bank." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "We are lucky that our local branch is still open. They know who we are, and personal contact is what we like in a bank." Southern England; Arts, Entertainment and Recreation
• "Everything is okay. I personally know my bank manager. I can go in with any ID and withdraw any amount that I want. I have a good relationship." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "There are branches on every high street, so it's very accessible." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "They're definitely better than Lloyds, but their business account is only free for 2 years and then you're charged. Also charged for every single transaction. I'm [not] sure how much I am going to get charged. The overdraft [is] £50, even if you don't use it." Southern England; Administrative and Support Service Activities
• "They are satisfactory. I have been with them quite a long time and they are quite helpful." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Just average. They do not do anything much for me." Northern England; Arts, Entertainment and Recreation
• "Sufficient." Southern England; Construction
• "Adequate. They do what they're supposed to do and no more. I only use it for banking and paying cheques [in] and it's standard." Southern England; Accommodation and Food Service Activities
• "We don't get the information we should. So they should enquire as to what other services other banks provide, and make sure they're updated, as we don't get information and support from NatWest." Northern England; Manufacturing
• "It has a great deal to do with who your bank manager is, and how they conduct themselves. Good relationship with [the] current bank manager. Previously been let down with funding." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Pretty attentive. Often ring up to check up. Have regular contact with bank manager." Northern England; Agriculture, Forestry and Fishing
• "They provide a standard banking service to our company." Southern England; Education
• "Very good responses, but I'm not happy with the charges. It's easy to open a business account, as long as you have the right documents." Southern England; Information and Communication
• "Homely, and sometimes efficient, but they have long queues, but I will say they're nice people." Southern England; Other Service Activities
• "It works for us as a business. Online banking is good. Overall, it's good." Southern England; Construction
• "They're average." Southern England; Real Estate Activities
• "Reliable and satisfactory." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Adequate on a day-to-day ordinary stuff." Southern England; Agriculture, Forestry and Fishing
• "They are functional. Our needs are not very sophisticated, and they fulfil them." Southern England; Information and Communication
• "They're helpful. My needs are limited." Southern England; Mining & quarrying: Electricity, Gas and Air Conditioning Supply, Sewerage & Waste Management
• "We don't have any problems. Until we need to contact them, we can't find who we need. Communication is the worst aspect." Southern England; Manufacturing
• "Rubbish." Southern England; Financial and Insurance Activities
• "They were very helpful initially. We then had a big problem with a business plan, but some years ago we had financial problems. Nowadays, we just have an arms and legs relationship. Everything is pretty much static all year round. As long as we have our overdraft, that's all we care about." Southern England; Agriculture, Forestry and Fishing
• "We're lucky because we have [an] account manager specifically for our sector. We've had the same manager [for] 20 years. Online banking is very good. Ease of use." Southern England; Human Health and Social Work Activities
• "They do quite well. It depends, because I've never experienced any other bank as I've always been with NatWest, and they treat me well." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Minimal. All banks are useless." N Ireland; Other Service Activities
• "It's good. Again, it provides a service we need." N Ireland; Professional, Scientific and Technical Activities
• "I would say that they provide an adequate service, nothing more and nothing less." Southern England; Construction
• "We find it helpful. If we have any problem we would call our business manager and they would solve all our queries." Southern England; Other Service Activities
• "They are okay. When we have had issues with them, we've gone to the bank manager and he's sorted them out." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Good service. [I] have a personal account manager that looks after me and my account." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "They are generally there for day-to-day running, we don't deal with them that much. Customer service is fine whenever we needed anything." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "For what we get it is very good. I can't complain." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "It is adequate but they have a business manager who I don't hear from. It would be a bit more prudent of them to contact me." Southern England; Accommodation and Food Service Activities
• "At the start it was rubbish, but it's improved in the last 4 years." Northern England; Construction
• "It provides the services I need satisfactorily. Rarely do we have contact with the bank and they never contact us to see if there's anything they can help with and I'm happy with that. They keep sending letters but never get in touch." Northern England; Transportation and storage
• "Quite reliable. No bad experience and happy with their support." Northern England; Real Estate Activities
• "It keeps out of my business life, they're just there. The physical branch management are slow in terms of dealing with you as a member of the public." Southern England; Administrative and Support Service Activities
• "Recently the bank manager was very helpful." Southern England; Other Service Activities
• "Customer service is okay. Nothing special." Southern England; Financial and Insurance Activities
• "It has fluctuated over the last few years and I have not been impressed." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "It's okay, just does the basics. A simple account, generally satisfied. Great overall. Would not change." Southern England; Real Estate Activities
• "Very efficient." Southern England; Professional, Scientific and Technical Activities
• "Basic services. In general it is fine." Southern England; Professional, Scientific and Technical Activities
• "They are pretty decent, especially in terms of the merchant services." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "There's a long waiting time to be helped. In the branch there are always queues and you have to wait a long time." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "We just use a very basic service, we never ask for anything difficult. We just keep what funds we have in there and they provide us with a cheque book." Southern England; Transportation and storage
• "Good." Southern England; Professional, Scientific and Technical Activities
• "It really helps for what you need and works satisfactorily." Southern England; Professional, Scientific and Technical Activities
• "The service seems to be alright. I am a bit concerned about charges." Southern England; Professional, Scientific and Technical Activities
• "Online banking is easy. Everyone is helpful on the phone, that's about it." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "We don't have much contact with them, we just have a business bank account." Northern England; Transportation and storage
• "Very good. No problems. Free banking." Northern England; Manufacturing
• "They are adequate. They just provide me with what I need." Northern England; Construction
• "Banks are a necessary evil. If I could live without them, I would." Scotland; Arts, Entertainment and Recreation
• "Adequate. They could be a little more proactive and supportive, understanding. Would be nice to have more named managers for support." Scotland; Information and Communication
• "Overall they are quite good. Well, generally I suppose the staff are quite good. The business side is poor. Lack of communication from the business manager." Southern England; Manufacturing
• "They've always helped us out and given the money that I need. My business manager is a nice guy. They've not been as fast as I'd have liked them to be, but they have noticed problems that I didn't notice and they fixed it all for me. They helped me get my overdraft down. They've just always been really good to me." Southern England; Professional, Scientific and Technical Activities
• "They're fairly reliable. Do what I ask them to do." Southern England; Professional, Scientific and Technical Activities
• "Sometimes patchy, and sometimes you have to do their work for them, and they mishear you a lot." Southern England; Education
• "Excellent." Northern England; Other Service Activities
• "Although you have a business manager by name, you don't necessarily have a dedicated or easily contactable business manager. With NatWest you have to go through the call centre who then pass you on to them. Sometimes it can be very frustrating trying to get hold of somebody business manager wise, although you can always get through to the call centre." Northern England; Information and Communication
• "Too many different business managers. We stopped talking to the bank because we always spoke to different people. We didn't have one point of contact." Northern England; Information and Communication
• "It's just okay. Online is not working. Can't do online because of readers. Not very happy that online still not working despite being assured bank would fix." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "It is what suits NatWest. They don't consider what I would want, instead they put their needs in front of mine. They are a very selfish business." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Average. Not very proactive, they don't approach you. They don't review the account and I don't have a point of contact [or] a relationship manager." Northern England; Professional, Scientific and Technical Activities
• "Not very helpful. I only use them to bank my business money and my cheques. If I didn't need to use them, I would close it." Southern England; Other Service Activities
• "It does what it says on the tin, basically." Northern England; Human Health and Social Work Activities
• "Adequate. No, that's all." Southern England; Financial and Insurance Activities
• "It's okay, could be a lot better. Have had a big turnover of business bank advisors. That could be better." Southern England; Professional, Scientific and Technical Activities
• "They're okay and helpful, and all high street banks are the same." Southern England; Accommodation and Food Service Activities
• "We use them very little. Mostly deal online. We have a very good business manager." Southern England; Arts, Entertainment and Recreation
• "They're average. At the end of the day they don't want to take the gamble at the moment." Southern England; Information and Communication
• "The service is fair. They're no better than other banks." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "I would recommend them, apart from the queues in the bank, and rapid machines haven't worked for us." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "They're friendly and helpful. They call us to check if we’re okay." N Ireland; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Just average. I don't think they're particularly helpful in giving advice and helping." Southern England; Transportation and storage
• "Adequate." Southern England; Information and Communication
• "They're approachable, but they don't really understand what you're doing. They don't understand small businesses." Southern England; Administrative and Support Service Activities
• "Quite good, but because we have a different nature of business, they can't provide us with great services." Southern England; Education
• "It's safe, adequate [and] non-challenging. There have been no problems, and it get s you from A to B." Southern England; Arts, Entertainment and Recreation
• "They're not very supportive. I think the service has gone worse since the recession." Southern England; Construction
• "I think the problem is that you now have to go through a call centre. We have no personal account manager to speak to now." Southern England; Other Service Activities
• "I don't like the fact they have closed my local branch. I do like the counter staff. They're very nice." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Mildly satisfied." N Ireland; Administrative and Support Service Activities
• "Adequate for our needs. We run a very simple business." Southern England; Construction
• "It's okay. It's quite personalised, I don't know what it's like with any other bank, so I've had nothing to compare it to. I can easily access the business account manager. It's got a local branch, I don't need to go into town. I do most of my banking online, but it's there and local when I need it." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "They are attentive to our needs. You call in and they respond quicly by phone." Southern England; Construction
• "The vast majority of banking is done online now, which isn't great. As long as I've got a business account manager I can contact, I have no use for the huge bank network as long as I have an account manager." Northern England; Real Estate Activities
• "Bog standard banking facilities. We do not use any sophisticated products at all." Southern England; Financial and Insurance Activities
• "Very helpful and good to deal with." Northern England; Agriculture, Forestry and Fishing
• "A good bank for depositing and withdrawls, but not so great if you want to go off the normal." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Overall it's good. We did have a few issues 2 years ago. Also we had an issue with applying for overdraft, but other than that it's fine." Northern England; Education
• "They are efficient and so far they have done everything I need of them." Southern England; Construction
• "They are pretty responsive and helpful when you need information." Northern England; Professional, Scientific and Technical Activities
• "Not really had any problems with them, little hiccups but nothing major. Reasonably efficient." Southern England; Information and Communication
• "You need to get in touch with your manager, but the managers keep changing." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "It's okay, fair and effective. No problems or issues so far." Northern England; Information and Communication
• "They provide us with the basic banking services which we need to operate our business. We don't take any other services because we don't think they would be suitable for our needs." Northern England; Professional, Scientific and Technical Activities
• "Mediocre." Northern England; Other Service Activities
• "The people you talk [to] are very good, but the way they are organised and constructed is crap. You're on a losing wicket before you start as a small business. They're too remote. I used to have a personal relationship manager but don't any longer. They're now a team." Northern England; Human Health and Social Work Activities
• "I think that they're very interchangeable. Half the time they're changing the mortgage overdraft, it's totally inconsistent. They don't take into account the value of assets and concentrate only on the profit of that year." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "So far so good. I've only been with them for 8 weeks." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "The fact I can bank using the app on my iPhone is very convenient." Southern England; Human Health and Social Work Activities
• "They provide a good basic service, but when some of their ways of doing things are inappropriate for our business, they are not able to understand or offer an alternative. We are supposed to have someone in charge of liaising with us about our account, but in the last 5 years there have been 5 different people, and all but one of them were useless at getting anything done." Southern England; Transportation and storage
• "Remote." Southern England; Transportation and storage
• "Good account [and] advice." Southern England; Professional, Scientific and Technical Activities
• "Satisfied, but distant." Southern England; Real Estate Activities
• "Adequate. In the past they offered to give small business help, but they tried to sell me stuff so I would approach them cynically now." Southern England; Manufacturing
• "They are good, except for their charges." Southern England; Real Estate Activities
• "Their ongoing service is not as good as the initial welcome." Southern England; Education
• "It is good, except the fees. They could be lower." Southern England; Manufacturing
• "I would say that so far they are satisfactory and helpful." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "It's just a mortgage, not any service there. We get what we need from them." Southern England; Construction
• "I use it for paying invoices. Like personal banking for a business." Southern England; Arts, Entertainment and Recreation
• "They are operating as they should. If I could get through to the right person quicker, that would be better." Southern England; Administrative and Support Service Activities
• "They can be a bit awkward. Well, when we need to borrow some money to buy equipment, they have too much beurocracy for that." Southern England; Other Service Activities
• "When we were in [location] for 22 years the service was excellent. We have just moved and locally the service is not good. The business manager is not good, but the personal manager is very good." Southern England; Education
• "They are very professional. They could be cheaper. I don't deal with them much." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "I would always advise people to shop around. We didn't shop around and we didn't have any issues with them. You have to push for a better deal with any bank." N Ireland; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "The service I receive from NatWest is very good. Very unhappy with the bank charges." Wales; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Adequate. We no longer get any contact, but never get any personal contact services from NatWest. It was better when they used to do it. They're no longer pro-active in the banking role." Wales; Construction
• "It's as good as any of the others. Communication not very good at times. Not as personal as it used to be." Southern England; Agriculture, Forestry and Fishing
• "Very efficient. Very good contact between my busniess manager and myself. A good degree of flexibility." Southern England; Real Estate Activities
• "Not too expensive. A reliable service. It comes in and comes out, and that's about it." Southern England; Construction
• "I would say that the NatWest has been reasonable, but service got more distant. At one time the Business Manager [was] within the local branch, then it moved to the next town and they introduced Business Managers that were closer in the area. Now everything has moved to [location] which makes it more difficult when you want to personally discuss something. So it's more for me the NatWest, because I'm familiar with them. I don't ask a lot from banks, so they are not brilliant, but they don't seem to be a problem so I just continue using them." Northern England; Construction
• "Basically NatWest is the same thing. They used to have a local business manager who came to see you and you could deal with, and they got stopped again to an actual call centre, which is why we moved to HSBC, which have ended up doing the same thing. It's a similar thing to HSBC, to be fair, they started off really good, but at the end of the day it is not proactive at all. The only thing that is proactive is when you have not paid in money into the account for a month. The emphasis is very much given to the banks, looking after their own interests, rather than them trying to help small businesses. All banks are pretty much the same. I would love to have a bank account with a different bank other than the top 5 when we settle down, because the mo is pretty much similar. I don't think any one bank is better than another, so they all have the same approach to doing things. I wouldn't recommend a bank, I would just pick one because they are all as bad as each other." Southern England; Other Service Activities
• "Very helpful and always sort problems out very quickly." Southern England; Human Health and Social Work Activities
• "Adequate." Southern England; Real Estate Activities
• "Basically we have known the bank manager for a long time and he keeps in touch with us. He gives us advice when we need it." Southern England; Professional, Scientific and Technical Activities
• "I don't receive any service as such as a small business. I don't get any feedback or support, they won't lend me money, even a small overdraft. It's such a lengthy process. I have banked with them for a long time and I think that they should look at how the account is and suggest to me to get an overdraft facility before I even approach them." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Haven't used them for anything. I haven't needed to." Southern England; Arts, Entertainment and Recreation
• "Disorganised. It took a year to open a current account." Southern England; Professional, Scientific and Technical Activities
• "Very satisfactory." Southern England; Agriculture, Forestry and Fishing
• "They are okay, not helpful in areas and they're a means to an end." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "I just go in and pay my cheques and that's it. I wish they stayed open a bit later, I can only do my banking on the weekends." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "They are extremely helpful and professional. They are actually interested in you as an individual." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Meets my current needs." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "I have no comment. I cannot think of anything to say." Northern England; Construction
• "Basically, I've been with them a very long time. I only use them because of the online facility. I find they don't offer me much support." Wales; Manufacturing
• "They are helpful when needed." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Very good and very good business manager who helps when necessary." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Generally very helpful. They always seem interested in what we're doing. They are easy to contact." Southern England; Professional, Scientific and Technical Activities
• "The bank is a facility that we use. We don't actually get any business support or advice from them. Also, don't take a business credit card, because the banks charge retailers a higher cost when used. So imposing charges and overheads on other businesses. So I would use my own personal credit card, so the retailers would get a lower charge." Southern England; Accommodation and Food Service Activities
• "Variable. At times very poor and at times good." Southern England; Real Estate Activities
• "So far no problems. The only issue is the roll-over contract, which is two years. This is very bad. It should be one year or not at all. I am with NatWest via Handypay and Streamline." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "We have a good relationship with the account manager." Southern England; Professional, Scientific and Technical Activities
• "Adequate and expensive. They charge me for getting change." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Acceptable. Use them as little as possible." Southern England; Construction
• "Efficient, I have not had any problems with them." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "They are a bank and doing normal things. Nothing extravagant, they are just a bank." Southern England; Information and Communication
• "Helpful and easy to use." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "I would say that the service is acceptable without being outstanding." Southern England; Information and Communication
• "I don't have any contact with them." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "It is very thoughtful and it is constantly asking if we need any advice or anything. Overall, they are very well." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Don't use them." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "It serves a purpose." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Reliable and trustworthy." Southern England; Financial and Insurance Activities
• "Satisfactory. We have banked with them for a number of years and their service has always been satisfactory. I cannot add anything to that." Southern England; Professional, Scientific and Technical Activities
• "I think the banks do not offer small businesses good services because the charges are out of proportion. We are charged to deposit cash into the account, we are charged for all banking, but it is expensive to deposit cash." Southern England; Professional, Scientific and Technical Activities
• "It's very good, they are very polite and very understanding and helpful." Southern England; Other Service Activities
• "Efficient but standardised." Southern England; Other Service Activities
• "I don't really use them that often. Fairly satisfied with the limited service that I need." Northern England; Construction
• "One word is 'adequate'. They are the same as any other bank and we have been with them a while. It is difficult to change." Northern England; Construction
• "A standard efficient banking service with advice and help if requested. With business managers who are helpful as well." Northern England; Human Health and Social Work Activities
• "Good." Northern England; Manufacturing
• "There's [a] lot of support." Northern England; Administrative and Support Service Activities
• "The services that they provide are adequate for our business as it's a small business and we don't get any advice or support. When it comes to overdraft, we have to actually ask the bank. We have to ask rather than the bank offer us anything." Northern England; Manufacturing
• "They offer all the standard services, but they have a keen interest in your business." Northern England; Construction
• "Their service is satisfactory." Northern England; Manufacturing
• "Reasonably satisfied with the service." Northern England; Mining & quarrying: Electricity, Gas and Air Conditioning Supply, Sewerage & Waste Management
• "I find them okay. I have not been with anyone else to compare them with. For the service they provide they are okay." Northern England; Construction
• "The only thing I'd say is that it's difficult to actually get in contact with someone. The website leads you away from getting in contact with someone." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "There's nothing wrong with it. Like any bank, it is expensive." Northern England; Information and Communication
• "Efficient." N Ireland; Construction
• "Does what it needs to do, don't have any issues with it. I don't do much with it, just pay the money in every month." Wales; Transportation and storage
• "Don't have a lot to do with them. We have not had a lot of business back, but at the moment we're in transition anyway. We don't want a business overdraft at the moment because of the recession and all that." Southern England; Construction
• "The auto pay service that they have is very useful and saves us time. However, they have threatened to remove it. Beyond this, we wouldn't be loyal to NatWest." Southern England; Professional, Scientific and Technical Activities
• "Efficient and good service. I don’t have to contact them for anything." Southern England; Construction
• "They are fairly distant and remote. I don't think they like us very much, because we don't use our overdraft, we are always in profit and so they can't charge us for anything." Southern England; Transportation and storage
• "Adequate and they're there if we need them. We don’t use them that much. We have a relationship manager. That's how we choose to use them. They're there if we need them. We have had problems in the past, but they have sorted that all out. We have a relationship manager that is on the ball." Northern England; Construction
• "Quite good. I have been with them for years and they are easy to deal with." Northern England; Construction
• "They are supportive. They tend to only be interested in supporting small businesses who have assets. If you are a service industry, it is very difficult to get financial support." Northern England; Other Service Activities
• "Average to good. They take too long in the branch." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "I've got no real thought on it. They just provide a service that we use." Northern England; Other Service Activities
• "Good customer service. UK call centres. They are reliable. They do what we ask them to do." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "We have had problems but they have been sorted." Northern England; Manufacturing
• "Very good and efficient." Southern England; Accommodation and Food Service Activities
• "There is virtually no contact from the bank manager." Southern England; Other Service Activities
• "Average." Southern England; Manufacturing
• "I don't really have any contact with the bank." N Ireland; Accommodation and Food Service Activities
• "They have always been okay with us. Professional and what we expect from a bank." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "We [have] been with them a long [time], but we don't have a lot to do with them. We always find them okay, but we have never really needed anything from them." Northern England; Financial and Insurance Activities
• "They used to be very good with personal relationships. It's just ticking boxes now, that personal touch is gone." Northern England; Agriculture, Forestry and Fishing
• "It is there for everyday banking, but not for solving problems." Northern England; Transportation and storage
• "Nightmare to deal with. The administrative side and customer services are a nightmare if you need to contact them, but I just have a basic [account] so it's okay." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "NatWest I don't have so much verbal contact with. The technical support is very good, but overall, not as much interaction with them." Southern England; Other Service Activities
• "They are short-term, not long-term. That's the way the world is. They are just as shit as the rest of them." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Service is fine, but the way they operate in other issues, like interest rates and stuff, charges. Not happy with their charges. Quite expensive." Southern England; Professional, Scientific and Technical Activities

The below comments were given by respondents who gave the bank a low overall score (see glossary for more details).

• "Very poor. They don't do anything to help. Their managers are just sales people and do not do things to help me." Southern England; Construction
• "It's just money going in and out. I don't really have much dealing with them at all." Southern England; Construction
• "They're good. That's all." Northern England; Professional, Scientific and Technical Activities
• "Completely useless." Northern England; Manufacturing
• "Very bad communication. Not a very good service. NatWest are behind with online banking." Southern England; Real Estate Activities
• "Very poor. In particular the responses we receive to queries that are made." Southern England; Information and Communication
• "I don't receive a service from them. Not very helpful because no one is there to help and there is never a person to help you." Southern England; Accommodation and Food Service Activities
• "Slight amateur and irritable intervention from Royal Bank of Scotland." Northern England; Information and Communication
• "They don't wish to help financially whatsoever." Northern England; Transportation and storage
• "Less than poor." Northern England; Information and Communication
• "Very poor, it seems to be run for their convenience, not mine." Northern England; Education
• "Very average." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "All banks are legalised theft, because they created non-existent money by fictional bank loaning. They lend non-existent money to customers for mortgages and charge interest from customers in real money and value." Northern England; Arts, Entertainment and Recreation
• "They don't do any more for us than run our accounts for us." Southern England; Construction
• "The business charges are too high." Southern England; Education
• "The service is alright. They don't know what they're doing, though, but that's down to human error." Northern England; Construction
• "The listening bank that has no actions." Southern England; Manufacturing
• "Not a lot." Northern England; Mining & quarrying: Electricity, Gas and Air Conditioning Supply, Sewerage & Waste Management
• "Indifferent. As long as you're putting money in, your all right." Northern England; Construction
• "Business to business is not good at all." Northern England; Human Health and Social Work Activities
• "They're rubbish or absolutely crap." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "[They] lack lustre. The only thing they're interested in, is making money and selling products to maximise their profits." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "I have little to do with them to be honest. Interest rates should be a bit lower." Southern England; Transportation and storage
• "Friendly." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Not bad. I don't care for the bank manager. They took six weeks to open my account instead of ten days. They were supposed to do it between seven and ten days." Wales; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Just poor." Northern England; Professional, Scientific and Technical Activities
• "It went from excellent to terrible once they got a new manager. [I'm] totally ripped off by NatWest." Northern England; Arts, Entertainment and Recreation
• "Virtually zero, [I] only received one call from them." Northern England; Information and Communication
• "Appalling." Northern England; Human Health and Social Work Activities
• "Not helpful. [They] caused problems and [did] not help." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "[They're] never bothered." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "I haven't spoke to the bank. Nothing I could say, at all." Scotland; Agriculture, Forestry and Fishing
• "They are of no use to me at all, in fact they are a hindrance." Southern England; Arts, Entertainment and Recreation
• "The service that NatWest provides for small business is not good at all, because our turnover, like I said, is usually about £85,000 a year, and they should give us £5,000 overdraft, but they give us £2,000. Our accountant said they should give us £5,000, based on our turnover over a year." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "They're rubbish. They're not supportive anymore, because they don't want to know about any problems [that] you have. They only want your money." Southern England; Accommodation and Food Service Activities
• "We don't use NatWest as we should do [with] a bank. We would like to expand as a business. Because of recent bad press with NatWest, they have really swindled people out of their business, so we can't take the risk to borrow money." Southern England; Construction
• "Fairly poor. They never communicate with you in regards to the business itself, in terms of managing how to do things." Wales; Other Service Activities
• "It depends. If you have money they will help you out. They're out to make money themselves." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Absolute rubbish. There's no bank out there for small businesses. There is no support whatsoever." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "They are uninspiring and standard services. Nothing impressive." Northern England; Financial and Insurance Activities
• "Wholly impersonal with the lack of understanding." Southern England; Human Health and Social Work Activities
• "Well, I'd say they are average and there is no input, contact, or feedback from them." Southern England; Human Health and Social Work Activities
• "NatWest has dealt with me fraudulently. They are unhelpful and even hostile at times, and have attempted to ruin my business via the GIDS department." Northern England; Accommodation and Food Service Activities
• "Never had any problems." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "All aspects of the service are rubbish, other than the smartphone app, which is decent." Southern England; Information and Communication
• "They are poor. We are a fairly new business. The quality of service has been poor. We are considering changing the bank." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Just adequate and not flexible." Southern England; Construction
• "Inadequate. Naff. One-sided thinking in sense of the word of what were thinking about, profit margin. Not thinking about what my business requires and what we need to survive. That's basically what I think and I suppose in a way, in a nutshell, the people that are dealing with me have no experience in general. I mean in life as well as anything. Therefore no idea when making decisions that affects people. Basically decision making [is] very poor. I think one other main thing is that they [have] enslaved me to an overdraft of over £[x] for nearly 10 years, refusing to turn it into a loan. The profit made in that period for NatWest was phenomenal. At points my single business was receiving over £[x] charges in bank fees a month. They almost destroyed me and my family. Although I'm still with them, there was no option to turn it into a loan whether or not it was convenient with them at that point of timing. I think what they need to do is a more personalised service again, and it needs to forget about credit control. If you start wiring into massive kinds of overdrafts, credit ratings are going to go crazy. I don't why they are not achieving things. Is it because something is underfunded which is the normally case? The biggest problem with all banking is if you go to a bank with a business plan and an idea and believe me they will knock you down on it if you're weak or starting out as I allowed them to do. I was desperate, therefore they did not advise correctly and immediately enslaved me into debt. The consequence of that is my business over [x] years has never been able to make a profit. Never had money, never had cash. Anything gone in went to NatWest." Southern England; Arts, Entertainment and Recreation
• "I'd better be careful with my choice of language at this point. I don't know how to sum it up. It's just rubbish, appalling service. They left me out to dry 3 years ago when the business needed support more than ever. Despite [having] premises they would support, they didn't, and I had to go it alone and trade myself out of the recession, and get through it alone without any support from them whatsoever." Scotland; Professional, Scientific and Technical Activities
• "Problems with contact. Branch too far. Phone issues. Average. Always impersonal." Southern England; Arts, Entertainment and Recreation
• "They largely ignore me and my business as we are in credit. They are taking away direct contact and handling everything over the phone just because we are a small business. This move away from person to person contact is not something I'm happy with." Southern England; Mining & quarrying: Electricity, Gas and Air Conditioning Supply, Sewerage & Waste Management
• "Everyday bits and bobs are fine, but when it comes to something else it's very hard to get through. Very difficult." Southern England; Construction
• "They do not keep me informed about anything business related." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "They used to be very helpful. Last couple of years, changed policy and become very unhelpful" Northern England; Information and Communication
• "Could be better. Not happy with the charges at all." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Financially not good for [a] small business bank. Need to support more." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "They are not helpful from [a] small business point of view in terms of growth." Northern England; Agriculture, Forestry and Fishing
• "Very poor service. There's no business manager to speak with. I find it very impersonal." Northern England; Human Health and Social Work Activities
• "I suppose the bank itself has been supportive of us, but our business bank manager has not. Never heard from them. When we opened our new business, the account manager didn't want to know about us, and then we went to Santander for our other business." Northern England; Construction
• "None. The bank personnel are okay, but their business services are hopeless. I know more than they do." Southern England; Other Service Activities
• "It is getting poorer every day." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "They are there when you walk in. I like the fact that you get seen to pretty quickly. They do try to help. They have plenty of plans they can offer." Northern England; Human Health and Social Work Activities
• "Poor service. Lack of response and lack of phone calls. They don't reply to problems." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "It's totally unfriendly. The computer doesn't understand anything that my business needs. Because I don't own anything, I have no credit." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Pretty useless. There is no communication anymore. I do not talk to the bank manager anymore. The parking to make a deposit is terrible." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Personal experience when you're trying to get something dealt with. If you go to the branch and speak to them face to face then it's very good. Centralised offices away from the branch. It's not always easy to get things done." Northern England; Accommodation and Food Service Activities
• "They're poor with very little customer services. They always say no if I ask for any support." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Generally okay, but dealing with [the] fact that they're going to close our bank. How could I recommend them to anyone else. NatWest had a promise that they will not pull banks out of small towns, but this is what they're doing. We will have to drive another ten miles to get to [the] bank." Northern England; Construction
• "Barely use them. Not very helpful. Only get in touch when they want something, and they do not return calls either." Southern England; Real Estate Activities
• "Its lacklustre and unresponsive. We have to physically walk in to the branch as there's no response." Southern England; Arts, Entertainment and Recreation
• "I think its customer support is fairly useless. Just because we couldn't get our account manager to call. We cannot get hold of him. We rarely get through to someone on customer support. We rarely get through to someone." Southern England; Information and Communication
• "Rubbish business manager." Southern England; Accommodation and Food Service Activities
• "They are just average." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "It's difficult to say. They have fantastic service in branch, yet the business management service is abysmal. I had a request made months ago and it still has not been completed." Northern England; Professional, Scientific and Technical Activities
• "Changed the business name a couple of years ago and NatWest made it very difficult to deal with the overdraft and made the respondent pay it all off at once. Finds it to be very bad customer service with no face to face contact with an account manager, unlike people she knows who bank with Lloyds. Finds NatWest throw charges on and are not helpful for smaller businesses who don't make a lot of money. They aren't hands on, friendly or there when needed." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "They lack support. What I want is some support. Last year I got nothing from them and had to go to my local MP to get help. They tried to screw me out of money and out of business. They showed no compassion at all." Northern England; Accommodation and Food Service Activities
• "They provide standard online service, it's quite handy. We have minimal contact with our bank." Northern England; Manufacturing
• "Ineffective." Southern England; Real Estate Activities
• "I think they're going into reorganisation at the moment. I'm happy with the branch but now NatWest has business managers who manage the accounts, but they're useless." Southern England; Arts, Entertainment and Recreation
• "They don't provide business managers in the branch anymore. Just to give you an idea, these are the facts. NatWest and Barclays have people who stand at the doors with an iPad. Went into NatWest to get business support advisor, "Can we speak to a business manager please?" The answer is always no. Huge gap in their branches, we need business advisors. When you ask, "Why is this?" the answer is that both banks said they surveyed customers and they don't need business managers in the branch anymore. If you book an appointment with some business advisors there is no business service in the bank. How can you build a relationship? No point in wasting my time trying to talk. Can't build any relationships that way. Rubbish. Spoken to people in these roles, people don't need them. Senior management don't want to engage but only cut costs. Want to move [to] Virgin or Metro Bank to see business advisors. The only thing I like about NatWest is the online banking facility. Good online access but that's it. How can I open a business account with someone in India on the phone? The industry need more competition." Southern England; Financial and Insurance Activities
• "NatWest trying more recently. System is rubbish. No business manager. Just luck who you get, how decent they are." Southern England; Professional, Scientific and Technical Activities
• "I believe that NatWest is an almost corrupt institution. I think it serves so many things that are meant to create the impression that they're out to help small business in particular, and they do absolutely nothing to help them. Institutional liars." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "They offer no support at all." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "The service offered is functional but impersonal. I am always in credit however there is no contact, which feels like a personal bank. I haven't been contacted by the bank in the ten years I have banked with them." Northern England; Real Estate Activities
• "For day-to-day banking it is [the] same as any other. No problems there, but if you've got any issues or problems they don't seem to know what they're talking about. For example, we've got online banking, which sometimes asks for additional details for security reasons. Recently, it's been happening every time we try to log on and it's taking a long time to resolve this issue. I wouldn't recommend them and I'm currently thinking of changing." Southern England; Arts, Entertainment and Recreation
• "Would say pretty poor and go somewhere else generally, because only in small towns. Difficult to get hold [of] actual business manager. Might be same everywhere." Southern England; Mining & quarrying: Electricity, Gas and Air Conditioning Supply, Sewerage & Waste Management
• "I have filed an official complaint against them. They offer a very basic service. Their service dropped in quality after 2 years of me using their services." Southern England; Administrative and Support Service Activities
• "As a small business there is no additional help or interest." Southern England; Construction
• "Inefficient and unhelpful. That's it." Southern England; Accommodation and Food Service Activities
• "Not very supportive. I have always had an overdraft which was suddenly withdrawn and was charged by them." Wales; Arts, Entertainment and Recreation
• "Little or none." Northern England; Information and Communication
• "Initially very good, but since then it has gone a little bit haywire. There is no local manager and no local support. My manager is based in [location], thus I have no direct contact with him. It is too far to travel. Only seen [him] twice a year. They also change managers quite frequently, which is out of order." Northern England; Agriculture, Forestry and Fishing
• "The Internet is very good and simple to use. Otherwise I don't really interact with the branch service. They don't offer anything in there and there's more online." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Don't bother with them. Go with someone else. I feel like I've been ripped off, because they will only give me a certain percentage with my overdraft facility. I want to feel like my account is secured totally." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "No communication. Very slow [in] processing of requests." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "They're a typical high street bank, which is still struggling to recover from banking crises." Northern England; Professional, Scientific and Technical Activities
• "Don't go there because they're terrible. Money grabbing. Poor service. We did have an overdraft, and they want to cut that for no good reason. Just an atrociously bad run business." Southern England; Professional, Scientific and Technical Activities
• "A fair service. Nothing special." Southern England; Accommodation and Food Service Activities
• "Can do with improvements." Southern England; Real Estate Activities
• "I would say minimal. Well, there are a lot of things on offer. You see a lot of adverts on it. The reality is very different." Southern England; Manufacturing
• "Poor. They don't know what they're doing. We had a transaction that didn't go through well. We purchased a property and they stopped the cheques because they thought it was stolen. Absolutely useless. Took us three months to sort that out." Southern England; Construction
• "They ignore us. We get nothing from them." Southern England; Manufacturing
• "Over priced. Not very helpful. Loans wise, I'm actually paying a larger amount than what I was told. I've been with them since university about 30 years ago. They've no understanding of loyalty, so I don’t have loyalty for them either. Bank charges are greater. Loan interest rates are high. Not accommodating to my business because I needed to borrow more money and, basically, it was a very negative attitude towards lending, which is why I've now switched to Barclays." Southern England; Human Health and Social Work Activities
• "I don't need anything from them. I don't think I would get help if I needed it." Southern England; Financial and Insurance Activities
• "We find they are very slow to respond to queries and it takes ages to get things resolved." Southern England; Manufacturing
• "They are fairly non-existent. They don't make contact with their customers." Northern England; Information and Communication
• "Where I am located it is a very rural service, they are a nice group of people. They work hard and that is fine. One has to be wary of the banking system. Step out of line and you are in trouble. Apart from that if I open another business account, I would be very careful where I put it." Wales; Administrative and Support Service Activities
• "They are appalling and don't have a business operation. They rely on a call centre which is badly managed." Southern England; Real Estate Activities
• "They totally lack understanding and show no support for small businesses, and refuse to listen." Southern England; Professional, Scientific and Technical Activities
• "They are amateur and abysmal. Whenever I have required any assistance it hasn't been forthcoming. I didn't need them, but if you ever need them as an umbrella, there is no help available." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "The service is okay, but it's the bank charges which are extortionate." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Unfair business relationship. There's no leniency anymore. There's not enough contact for small business. I can't just phone to speak to somebody, it takes several days. The standard bank charges I think are a rip off, e.g. they forced me to pay off my arranged overdraft and then charged me nearly £40 to make that payment." Northern England; Accommodation and Food Service Activities
• "I think that NatWest is not very responsive to our business banking." Southern England; Construction
• "You pay for a facility that they don't use or help you with. They aren't helpful and they haven't done right by me as a customer. I am not receiving a service, I have no contact with my business manager. There is an error which I am paying for and all they seem to do is carry on this error. My credit has been destroyed. For the last 18 months I have been explaining this scenario, they haven't been able to help me." Southern England; Other Service Activities
• "It just doesn't care about you. The service is non-existent and their care level is non-existent." Southern England; Construction
• "I'm not impressed with their commission services, they're not very good with a card. With a customer's card." Southern England; Other Service Activities
• "It is pretty hands-off as long as we don't do anything extraordinary." Southern England; Professional, Scientific and Technical Activities
• "I think they're despicable, deceitful, money-grabbing, thieving people. They're not interested in my business. All they want to do is rip me off." Southern England; Professional, Scientific and Technical Activities
• "The service I get is very sparse and [im]personal because you can't see anyone face-to-face as it is all done by the telephone and that is only if you can get hold of your local business team." Southern England; Construction
• "Don't think I can print it." Northern England; Accommodation and Food Service Activities
• "They are unsympathetic. Like, it's a really small business, like, I am a micro business, so sometimes you have very little leeway with anything. I could do with more help from the bank without being charged huge amounts." Northern England; Manufacturing
• "Shocking." Wales; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Not very understanding and not very helpful. They just lack support from the bank to small businesses, there is no understanding. For example, the government investment team." Southern England; Administrative and Support Service Activities
• "Bad. Everything bad. They need to improve on everything. They do not care about small business, they are not interested in supporting small businesses at all." Southern England; Professional, Scientific and Technical Activities
• "A few little gremlins, but generally good. I think they should be more entrepreneurial for small businesses in the creative sector." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Minimal. They tell us they can offer us lots of services and they'll get in contact with us and they never contact us." Southern England; Manufacturing
• "Detached from the bank." Southern England; Information and Communication
• "NatWest needs more face-to-face contact." Northern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "I think in the good times we had an overdraft facility and then we had rather a large bad debt and they withdrew the overdraft facility. Up until the bad debt, we had the overdraft facility and they charged us for it, even though we hadn't used it and then they just withdrew the overdraft facility as soon as they saw the bad debt." Northern England; Construction
• "NatWest have been messing me around, charging me when I was supposed to have free banking." Wales; Accommodation and Food Service Activities
• "Poor, it doesn't do anything well, no support for businesses and can't get hold of anyone." Southern England; Transportation and storage
• "Only interested in selling their own products and services rather than helping small businesses, and don't give any leeway. Help very little." Northern England; Other Service Activities
• "Banks are there to rip businesses off." Northern England; Manufacturing
• "They are just a bank. They don't help you at all. They are all the same." Northern England; Manufacturing
• "I think their charges extortionate. Their overdraft facilities are extortionate." Northern England; Manufacturing
• "They are okay as a bank, but as far as if you need any help, for example, if you need money to expand or purchasing, they are not bothered." Southern England; Wholesale and retail trade, Repair of motor vehicles or motorcycles
• "Very out of touch. They don't understand small business. They need to nurture a small business in the same way as a child or a plant, otherwise it cannot grow, like everything in life." Northern England; Manufacturing
• "Could do with more personal service." Northern England; Administrative and Support Service Activities