So I had a right experience with NatWest. I did their switcher offer early in the year to take advantage of the offer and moved a joint account from another bank.
First real issue was that I couldn’t activate my card. After multiple attempts and calls, they issued a new card reader. That wasn’t the problem of course. Eventually they issued a new card because there was “some kind of problem” that worked until I reinstalled my phone.
Then I couldn’t reactive the account (I’d frozen the card on purpose). Because I hadn’t unlocked the card before trying to move devices I couldn’t activate. Their first answer, well we can’t help you if you can’t unlock it on the old device (completely missing the point I’d totally wiped and reset) when I explained I got “well why did you do that” because apparently I’m meant to know that their system to reactivate doesn’t work properly.
Their final answer, they’d send me a new card. My answer - I’ll switch away thank you. Too much bother.
I’d not recommend them at all, for anything. Useless app and systems. Only saving grace is that I got paid to use their account for those short 6 months!