I would absolutely not rate Natwest any stars. Seriously who employs the customer service team and what criteria is needed to work in their customer service? My 3 year old son has more common sense and logic than these people. They all are extremely rude and ignorant! None of them understand what customer service is and they have no clue what their product is nor the knowledge to be able to communicate with customers and resolve any issues or answer a basic question. It is absurd! Throughout stressful times related to money matters you need a good customer service team who try to understand the situation and resolve the matter best they can. What you do get, is a rude, abrupt agent on the phone with no knowledge of anything. They are quick to put the phone down on you, have to initiative to ask if they dont know and are simply just completely and utterly careless of the job. Why these people have a job when they clearly dont care for it is mistery. I would not recommend this business to anyone. Try calling customer service, you will need to be able to speak in a aggressive manner for them to understand what you are trying to say. Complete idiots!