I have been with Natwest for 11 years which started off as a student account, then graduate, and now a current account and my main issue is with their overdraft charges. I saw the bank manager for my local branch in 2019, and I was told that the charges on my account would be cheaper. At the time, they were between £11 - £21. They were cheaper for a very short time, and went as low as around £8 - £11. Around 3-6 months later, the bank charges were going up and up and recently went as high as £27.60. The funniest thing was that despite swimming around in an overdraft for the past 8 years or so, I was told my account was in good health. That I found hard to believe.