NatWest | Select Account

Monthly fee: Free
AER: 0%
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NatWest | Select Account customer reviews

2.9 out of 5 from 168 reviews

Great bank

16:04 19-11-2017

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NatWest have always helped me with any problems I have had. I wouldn’t bank anywhere else

Allison cartwright

Ok but nothing special

11:04 19-11-2017

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The Select account is a good basic bank account. However there are a few frustrations with Natwest in general. I have found issues with the level of service in our local branch and opening hours are short. The security measures needed to transfer money are frustrating (need a card reader so difficult to do on the go). There have been recent modifications so you can now send small amounts but it doesn't save the payee. It also doesn't save payees that are created by the other joint account holder which is frustrating as you need to set them up twice.

Sam Swain

Natwest Select Current Account

11:46 13-11-2017

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I have had no problems with this account at all. One of it's best features is Emergency Cash which you can withdraw cash without your card.

Nicola Higgins

Great app and online banking facilities

21:01 08-11-2017

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local branch recently closed however superior app and online banking more than makes up for it.

Luke Frost

40 years still going strong

10:43 08-11-2017

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I have banked for over 40 years with Glasgow branch and never had a problem. Was concerned about the proposed closure of Scottish branches but that seems to have gone quiet !

Lorraine McColl

No Complaints

11:54 06-11-2017

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Good customer service. No complaints.

Marc Chivers

Select Account - easy simple, great service.

15:39 20-09-2017

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Customer service is ace great product works well on the online banking app.


Not as described

17:02 29-06-2017

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I had a Select account only to discover I was not entitled to some of the products, complained but just ignored, reverted to a basic account. been with them over 20 years looking for a new bank at the moment as really disappointed!

Khalik M

Best banking ever

18:56 30-05-2017

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I love my bank and the way they handle my needs. Very professional and always ready to help with a smile.

Neeraj Chandra

Always helpful

13:43 03-04-2017

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I never never had anything but great customer service from natwest, thats why I have been with them for so many years. Always friendly and helpful aswel as supportive and undrstanding

Michelle Lambley

Our review of NatWest | Select Account

Written by: Alex
Our review by Alex

The Select Account from NatWest is their free account option and so it comes with the bare minimum in terms of benefits. These cover the basics such as access to mobile banking, online banking and their 24 hour telephone team as well as being able to go into one of their many branches across the UK.

You can also use the mobile app to withdraw cash from selected ATMs, which means if you’ve popped out without your purse or wallet, or had it stolen, then you can take out up to £130 per day to tide you over until you can sort something out. The app can also give you control of your account whilst on the move so you can transfer money to anyone in your contacts as long as they also have the NatWest, RBS, Ulster, NatWest Offshore or Isle of Man mobile apps. Another added bonus is that you can link your NatWest Select Account to Apple Pay on your Apple device, which allows you to make contactless payments in shops, bars and restaurants.

NatWest have unfortunately received disappointing online reviews and they’ve been given a rating of ‘bad’ on TrustPilot. This takes into account all of their financial products and services, not just the Select Account. There seems to be regular complaints about not being able to reach anyone on the phone despite boasting 24 hour call centre. There are also mentions of expensive charges and a lack of communication during applications or fraud investigations.

Overall verdict: Even though the Select Account is free, as expected it does lack the benefits that come with the more premium NatWest accounts. If you are looking for an account that offers something extra like cashback or insurance, then it might be worth exploring other options.


  • Manage the account with online and mobile banking
  • 24 hour UK telephone banking
  • Get emergency cash
  • Switch in just 7 days

Minimum criteria

  • You must be aged over 18
  • You need to be a UK resident

About NatWest | Select Account

The Select Account has no monthly fee and is the basic account offered by NatWest. Account holders benefit from the essentials that make banking easy such as being able to control their account via the mobile app, by logging onto the website or by calling the 24 hour UK telephone banking line. Customers can also set up text alerts for regular balance enquiries or for when funds drop below a certain point. Via the mobile app, Select Account holders can check their balance, view their recent transactions and transfer money to friends and family with ease.

Customers of the NatWest Select Account can also request an arranged overdraft when completing the account application. This will have an interest-free threshold of £10, and anything spent over that will incur a charge of £6, plus the interest at 19.89% EAR. If the transaction takes you over the agreed limit by more than £10, you will be charged a usage fee of £6 for each day up to a limit of 15 days.