To start with, I am not a frustrated customer, this one is just a review. I think Natwest is a scam, they are holding the power and charging people for every little transaction they make, in another country below are the things you can do from a cash machine 1. You are on the way to the airport, you need urgent cash exchange. You should be able to do from a cash machine, since Natwest cash machines are dated back to 1991 it does not work for you. 2.Your children need urgent cash, they lost their wallet, you should be able to send money to their mobile phone with a pin number, Natwest does not offer this service either. There is a service called send money to mobile which natwest does not offer. 3.You should be able to draw money using your mobile phone( this has been introduced recently as a big news ) but guess what in most countries you can take your money with QR codes without needing of a bank card. 4.There should be a cardless menu in the cash machine where you can pay your bills, traffic fines and other payments using your id number which natwest does not offer either. 5. Again you should be able to pay in money from a cash machine or pay your bills, cash machine should give you the change ( either in coins or notes) which natwest does not offer either 6.You need to top up your phone, you should be able to do from a cash machine 7 .There are 10 -15 more services that I can t remember at the moment that Natwest does not offer that you should be able to do from the mobile phone application. 8.In a bank you should be seated and wait not stand in a queue as if 1900 communist country. So Natwest service is, comparing to world standards, is a joke, but you have no other options to choose from so not sure what you can do about it. If Natwest offers any of these services they can't charge you for every little thing they do again this is bullying.