I have been with Natwest since I was 15 I am now 63. When I had no or little money in my account they were great to me over the years. My daughter recently passed away and unfortunately I am her beneficiary. Now I have a substantial amount of money they have suddenly become unbelievable difficult to deal with. After all this time I am on the verge of closing my account. Money under the mattress might be a better option. Interest rates are negligible anyway and at least I won't have to deal with incompetent uncommunicative bank staff.