NatWest | Select Account

254 reviews

Monthly fee: Free

AER: 0%

Representative example: Representative Example*: If you have a Select Account with an arranged overdraft limit of £1,200 and you use all of this, you will be charged arranged overdraft interest at 19.89% EAR (variable) and a monthly Arranged Overdraft Usage Fee of £6.

NatWest | Select Account customer reviews.

254 reviews

2.6 out of 5 stars

Inefficient and keep no notes
03:21 15-11-2018
ImageSmart Money People

Pass you around from department to department, despite having been with them for some time. When finally do get through to someone, they sometimes are helpful.

Luke Theobald

Great bank
19:55 08-11-2018
ImageSmart Money People

Always helpful when I go in store, lots of great advise and provide good information and banking options

Shivanie Patel

12:43 07-11-2018
ImageSmart Money People

great for the balances and transfers on the go

annmarie morrissey

Best app around
10:12 07-11-2018
ImageSmart Money People

As a customer who is constantly on the move, I don't have time to manage my money via online banking or visiting a branch. The NatWest app allows me to manage my money on the go effectively

Chris Goldsmith

Simple and effective
09:45 06-11-2018
ImageSmart Money People

Very rarely have issues with the app, so simple to use with an excellent interface. Get Cash feature has saved me a few times in the past!

Joe Bindza

Good basic account
07:19 06-11-2018
ImageSmart Money People

I have found my select account a very good basic account for depositing pay and doing everyday banking such as direct debit and card/cash payments. I have never had a problem with Natwest even after banking with them for many years.

Wendy Drake

Great Mobile App!
12:35 05-11-2018
ImageSmart Money People

The Natwest App means I can do my banking from home, love how easy it is to manage my select and other accounts


Top bank
12:12 05-11-2018
ImageSmart Money People

Natwest has always been there for me. It was easy to set up my account, easy to keep up to date with my account using the mobile banking app, and, on the off chance I need to call up, the advisers are always helpful and make life easier for me.


Banking app
11:25 05-11-2018
ImageSmart Money People

Use the banking app to manage my account and spending near everyday. It's really easy to send people money and see transactions in real time for my credit card.


Premier app
11:15 05-11-2018
ImageSmart Money People

As a Premier (private) customer, I enjoy being able to manage my receipts in the app. I also appreciate the fact I get my own Premier branding in the app too because it makes me feel valued to be banking with NatWest!

NatWest Premier

Our review of NatWest | Select Account

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.

Written by: Alex


  • 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


  • Maximum APR %
  • Arrangement fee: £0
  • Early repayment fee: £0
  • Late payment fee: £0

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.

Company information

Registration number: 929027


Customer Relations, Freepost Nat12685, Borehamwood, Hertfordshire, WD6 1BR

FCA registration

Reference No: 121878

Trading names: National Westminster Bank Plc, Natwest Markets, Williams & Glyn

Place of business: 135 Bishopsgate, London EC2M 3UR

Data protection registration

Registration No: Z4936258

Data controller: National Westminster Bank PLC

Address: 135 Bishopsgate, London EC2M 3UR

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