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New Idea

Hi. I've read lots of stories of people who have made internet banking payments to the wrong account because they've mistyped the 8 digit UK account number. These incorrect payments are hard to retrieve because the banks regard them as 'correct' payments.


Why doesn't the NatWest website allow UK payments to be made using the IBAN as the account identifier (as an alternative to the 8 digit number). The IBAN is check-sum protected, which will allow incorrect account identifiers to be detected immediately. Users then have a choice: continue to use the 'old' number and risk payments going astray through keying errors, or use the IBAN and ensure that the identifier is never miskeyed.


I would have thought that the change to the website would be fairly simple, and NatWest could promote it as a safer way of making UK payments.

Hi I find the online banking useful for monitoring how much is in the account and planning a rough total amount of money required for the month.


I thought it might make it easier for people who have set paydays to be able to log in and within their main account to set money asside, for payments they know will be going out within the next month or two, so that they know they are able to meet that payment when it is taken. The avalable balance could then show what the person has available for the month without worrying about the direct debits ect. as they would be accounted for.


I feel this would also be useful to extend to cheques so that you can assign an amount in the same way as above to a cheque number on the online banking, this would mean you knew the amount was accounted for in your account incase the person recieving the cheque doesn't bank it for 3 weeks or so when it could have been used on something else without meaning to. If there was a discrepancy between the amount put asside and the amount on the cheque this could then be taken from the remaining amount not previously accounted for in the account.


I believe this would be benificial for everyone to manage their money more safely and efficiently


Thankyou for reading 



bank statements

Status: New Idea
by adib Monday

Make it possible to find out when next paper statement is due. Also, statement "go  paperless" screen does not allow you to set the status to its existing value. Instead,  it says that you should change the value. This means you are stuck on that screen.

When you click on ''View full statement'' under one of our accounts, what you want is to view your full statement for that account (as the button says). Why then are we interuppted by the screen ''View your transactions'' sceen which asks for which account and what period we want to see the transaction. IT should be defaulted to the current account the user was viewing and all historical transaction. The option to then select a different period could be at the top of the page. This would make everything much faster for everyone.


I would also suggest inverting the 'View full statement'' button and ''View account information'' button as I always end up clicking on view information when it is really a stement I want. I am sure the statement button is more useful and should come first.

Remove fixed-width styles

Status: Coming Soon
by Sonic on ‎30-01-2015 11:03 AM

The fixed-widths on the current design is absolutely horrific and makes things very awkward to look at across the entire site on a larger screen and makes the statements almost unuseable.


E.g. on my 1920x1200 screen the statement box is 533px wide, with the rest of the content having a fixed-width of 971px... This means only half the page is actually being used, and with it being left-aligned it looks rediculous. When you scroll down on a statement you just have a narrow box using 1/4 of the width of the page.


On a 27" imac screen the resolution is 2560x1400 meaning that the entire width of the page would only fill appox 1/3 of the screen with the rest being a nasty brown-colour and the statement would fill only 1/5 of the page.... that's completely crazy in the 21st centrury!


Ideally you should have a responsive design that changes the display, position and size of the content based upon the size of the browser that the user is viewing the page in... that's what the rest of the internet is trying to work towards.


That, or have a scalable design with percentages so that the content size scales to the user screen more effectively.


In its current state the new design is a massive step back in terms of usability because of this and i think id actually prefer to use paper statements again!

Status: Coming Soon

Thanks for the suggestion @Sonic Our Online Banking team have taken on board all the comments around this, and it's planned into one of the releases later this year so it will be fixed. We'll keep you posted on any firmer dates through the Community & Ideas Bank :smileyhappy:

This is a simple request to allow us to enter an invoice number at the time of making a payment.  


We do not want to go to another page and 'amend payee details'.


We simply want to enter an invoice number at the payment stage.  This is what barclays and HSBC and most other banks allow users to do.


Below are two images.  


Image 1 is a screen print of how barclays do it.

Image 2 is a screen print of Natwest can do it.


Image 1 



Image 2 



Please note this is not a request to amend payee reference details but a specific request to allow us to enter invoice numbers to assist businesses reconcile payments to invoice numbers


Thank you  

Status: We're looking into this, but need more time

I've fed this back to the Online Banking team, and they are aware that there are more improvements to make to the payments process, however eliminating the card reader was just one of the first small steps. The larger improvements to the payments process will take much longer to complete, but rest assured - they are being worked on.


We will be tracking and reporting the feedback to the team, to help it's prioritisation on the development list, so feel free to add your votes and comments :smileyhappy:

Is it possible to have an editable line in the description on statements so that customers can add their own description to help remind them who/what the transaction was for?

As of late, I've been searching fairly regularly for a budgeting tool to manage my finances but the ones I've come across are either riddled with adverts or unnecessarily complicated.


I'd love to see a tool/app created by Natwest for Natwest customers that can be connected to my bank account(s) for hassle free management of my money. Maybe it could be an addition to the existing app so available on mobile devices.


I think it would be a great help to be able to buy something on my card and have the transaction (or figure, at least) automatically entered into a monthly budget so I can keep a better track of what's going out, when and how much I have available afterwards.


Hopefully I'm not alone in this. :smileytongue:



Status: We're looking into this, but need more time

Hi @Jaffs You're definitely not alone with that suggestion! Sounds like a great idea and would help a lot of people get organised with their pennies :smileyvery-happy: It's something our development teams are looking into, so we'll reveal any updates as soon as we know more - watch this space...

Arrange a customer vote on the new online banking site

Status: New Idea
by RG ‎17-02-2015 12:43 PM - edited ‎17-02-2015 12:47 PM

I am sure we would all like to know what everyone thinks of the new design for online banking.


Yes, the feedback is all negative, but people don't rush to give good feedback.


Can you arrange an online vote or survey to capture a balanced view of user opinion?


Oh, and yes, this would be very useful information for NatWest to have:smileyhappy:



Support for Apple Pay?

Status: Sorry, we can't do this right now
by BenWoodford ‎10-09-2014 10:25 AM - edited ‎10-09-2014 10:28 AM

Seeing as this was just announced yesterday, I imagine it's not been discussed internally in large amounts yet. But seeing as it seems the banks need to support the payment system for you to be able to add your card to Passbook, I'd really like to see Natwest do it. And as it uses TouchID, can we please not have the £20 max spend when using Apple Pay as it's more secure than contactless cards?


It may well be supported out of the box because of VISA with no work from Natwest needed, but best put the idea through sooner rather than later.

Status: Sorry, we can't do this right now

This is a really cool suggestion guys :smileyhappy: Unfortunately the Mobile Team don’t have any plans for Apple Pay at the moment, it's something they will keep reviewing though for the future. Keep your comments and votes coming though, we will feed these back to keep the team updated on your thoughts!

Uncleared Transactions

Status: New Idea
by nidO on ‎31-01-2015 09:45 PM

Leaving aside people's opinions on the look/layout of the updated online banking system, a feature that appears to have been removed from this is the highlighting of uncleared transactions from the account summary screen.


On the old online banking system when viewing a list of transactions from either the summary screen or the account's full statements, any transactions which had not yet fully cleared would have a dark blue/purple background rather than white.

On the new online banking system this highlighting of uncleared transactions now only displays on the account's full statement not the summary page, and there appears to be no good reason for the feature to have been removed from here.


Could it be returned please, as it was useful to be able to check at a glance across multiple accounts from the summary page whether transactions had cleared, and this is no longer possible.

Payee reference editable for each payment

Status: This is Live!
by davss on ‎02-04-2014 11:45 AM - last edited on ‎19-05-2014 02:21 PM by Community Manager

I have a payee that make periodical payments to and it's very time consuming to have to go to payee in order to change reference each time I make payment. It should be an editable field during payment allowing you for example to put a new invoice number that changed.

Status: This is Live!

We're really pleased to announce that this is now live in Online Banking! We've had lots of feedback from you about wanting to be able to change a payment reference without needing to use a card reader.

So can amend the payee reference in the 'Payments & Transfers' area, whenever you need to - without the card reader :smileyvery-happy:


You can see more about this announcement here, and we'd love to hear your feedback and thoughts :smileyhappy:

What with iOS8 coming out very soon, I'd love to see TouchID become a login method for the mobile banking app now that 3rd party apps can use it. It's far more secure to be touching the home button than typing in a passcode that someone could view over your shoulder, and way more convenient.

Status: This is Live!

We're really pleased to announce that this has gone live today! Thank you so much for your feedback and votes on this one guys, we hope you like the new feature :smileyvery-happy: 

You can find out how to set this up here, and feel free to leave your feedback on that post too!



Following the response to today's new online banking screens, I suggest that NatWest adds an option for customers to revert to the online banking screens that we had yesterday.

Status: Sorry, we can't do this right now

Thanks for the suggestion @RG :smileyhappy: As we've said in the main Online Banking changes discussion we are working on making suggested improvements and amendments to the updates, rather than reverting back to any previous versions. If anything changes, we will keep everyone posted!


Long service awards

Status: Duplicate Idea
by Isle_c_u_again on ‎15-12-2014 03:01 PM

I've been a current account holder with Nat West (or Westminster Bank as it was called then, prior to amalgamation with the National Provincial and District Banks) since September 1966.


As we're approaching my "golden" anniversary (subject to health and welfare developments of course)  I thought I would enquire as to the intention of the bank to recognise such long service.


I don't know if I am in a small group who achieve such a pinnacle as I hope to attain in 2016, or whether there are thousands of us.


Perhaps there could be a nice thank you for customers who display such unswerving devotion - just a thought - actually that's the first one I've had since I retired!


I'm so distracted now by this damned dribbling. Hope I get a new cardigan for Xmas from somebody.


Grasping old codger.




Status: Duplicate Idea

Thanks for the idea @Isle_c_u_again and hope you have a happy golden anniversary with us :smileyhappy: Thank you for sticking around, it's lovely to hear from you! 

We've got a similar post about rewarding long-term loyalty over here, so keep an eye (whether it's glass or not :smileywink: ) on that post for updates, and feel free to add on your votes and thoughts.

Would you be able to put a list of all NatWest phone numbers on the NatWest website in the support section?


Numerous posters on this site have questioned the validity of numbers they have been asked to phone. Therefore to see the number on your website would ensure that callers would know that the number was legitimate.


An example of this is the NatWest Secure debit card number. 0870 010 4542. I cannot find this number anywhere on the website but having phoned it I know it is a valid number.


I have also seen this number discussed on internet sites with many posters advising that this number is a scam.

Status: Under Review

NatWest calls the customer

Status: New Idea
by MW on ‎11-12-2014 05:30 PM

It would be good to have two way security verification. When NatWest calls they ask for identification verification but how do we know it is a genuine call?


Could customers log a number, word or phrase on their account profile from which two random characters would be displayed to the NatWest caller who would give these to the customer they are calling.


This way both parties can verify the other is genuine.

Loyalty Bonuses For Existing Customers Set At 10 Year Intervals

Status: New Idea
by bjumoja ‎10-12-2014 04:24 PM - edited ‎11-12-2014 02:02 PM

Loyalty Bonuses For Existing Customers Set At 10 Year Intervals


Why Not?


1: Loyalty Bonuses could include rate reductions or special rate reductions that you keep (on top of the standard amount)

2: Special rates for savings, rates that you keep on top of the normal interest rate.

3: Have lists of gifts to choose from with reward thankyou cards? IE: Aftershave, Tablets, shop tokens, a years free insurance.


Im sure other people have many other gift ideas. Maybe they gift should improve/get better for ever 10 years you have been with the bank?


Im sure the bank is making money of us all, give a bit back.

It would be very useful if online statements showed the payment references that you assign to the payments and not just a 'call reference' which means nothing to the payer.


This is particularly frustrating when making multiple payments to the same person and trying to re-trace what each payment was for. Other banks show the payment reference in the payers statement as well as the payees statement. Why are Natwest so behind the times?

I think it would be a great idea to show NatWest charges and fees as morning entries along with all other pending debits thus giving customers an opportunity to transfer funds into their accounts. At present only pending debits are reflected on our account summaries each morning Natwest charges or fees are not.


So if you recieve an email telling you to correct your account and move back within your agreed limit before 2pm you could think you have corrected your account with a credit transfer only to find out the the banks charges and fees (no shown anywhere until after they have been debited) have put you back over your agreed limit.


Natwest need to sort this out. 



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