I've banked with Natwest for over 20 years and had no problems with them. I've had hassle trying to set up a new payee on my account as this must be done using a key card, all of which have never worked, meaning this must be done over the phone or in branch. Other than this they've treated me pretty well. I've also banked with Barclays who regularly tried to defraud my account! Thankfully have now cut all ties to Barclays and will stay with Natwest.