NatWest review
Updated September 28, 2026 · HodlCue Editorial Team · Facts checked September 26, 2026
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Our verdict
NatWest suits everyday spenders who want a plain debit card and a current account rather than crypto features. Its monthly fee is £0, in line with €0 at Bitpanda, $0 at BMW Card von American Express and €0 at bunq. The card type is debit.
Key facts
- Best for
- A debit card for banking basics, with no crypto attached
- Monthly fee
- £0↗
- Card type
- Debit↗
- Audience
- Students, Kids
- Official website
- natwest.com
Facts checked September 26, 2026, 1 source
Pros and cons
Pros
- Monthly fee of £0 matches the group median of €0 for this kind of card
- A debit card, the most common card type among ranked cards at 74.7%
- Headline cost sits level with €0 at bunq and €0 at Bitpanda
- Aimed at student and kids households, a grouping the wider group puts at 37.8%
Cons
- A debit card draws on an account balance, so the taker fee median of 0.35% for ranked crypto cards has no bearing here
- Among ranked crypto cards, business features lead at 69.6%, while student and kids is the stated audience
- The card is a debit card, not a crypto card, so coin coverage of 50 on median does not apply
Who it suits
- Anyone after a debit card with a monthly fee of £0 and little else
- Households serving student and kids
- Readers who pay bills in sterling and want a current account rather than a crypto balance
Who should look elsewhere
- Bitpanda, if you want spending tied to a crypto balance rather than a debit card
- bunq, if you want a digital bank account rather than a branch bank current account
- BMW Card von American Express, if a $0 credit card suits your spend better than a debit card
How NatWest compares
Frequently asked questions
What does NatWest charge each month for the card?+
The monthly fee is £0, which puts it at the €0 median for the group and matches €0 and €0. The upper end of the group sits at €99, so most cards in this set carry no standing charge at all.
Is the NatWest card a debit or prepaid card?+
It is a debit card, the type that 73.4% of the brands in the group fall under. Prepaid cards account for 21.2% and virtual cards for 5.4%, so a debit card is the mainstream choice here.
Who is the NatWest card aimed at?+
The stated audience covers student and kids. Across the group, student accounts account for 17.1% and kids accounts for 37.8%, while business features lead at 64.6%.
Does the NatWest card let me spend crypto?+
Not from what is stated. The card is a debit card for an account balance, and the taker fee median for ranked crypto cards is 0.35%, with 1,589 brands ranked there to compare.
How do the costs compare with the alternatives here?+
NatWest's monthly fee of £0 matches €0 at bunq and €0 at Bitpanda, so cost alone does not separate them. On the monthly fee ranking NatWest sits at 1 of 379 brands.
Which card type should a shopper pick here?+
A debit card is the mainstream pick, since 73.4% of the group falls into that type. NatWest is one, and prepaid at 21.2% or virtual at 5.4% covers the rest.
Sources
- natwest.com checked September 26, 2026
Backs: Audience
“Student bank account”
- natwest.com/current-accounts/select_account.html checked September 26, 2026
Backs: Card type, Monthly fee
“Everyday bank account”
Compiled from 2 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Currency conversion fee, Free ATM withdrawals, Protection.