One-to-one support

With Private Banking, relationships are everything

When it comes to your finances, personal understanding counts for a lot. That is why our Relationship Managers pride themselves on building long-term one-to-one relationships - really getting to know your personal circumstances, aspirations, likes and dislikes. All this translates into a professional service that always puts you first - and never takes you for granted.

Dr Hares' story

"I have known him for years, and he is like a friend. To have a friend with financial input is always useful."

Dr Alan Hares

NatWest Private Banking customer

Getting the complete picture

We look at you, not just the figures

From mortgages to pensions, savings income to inheritance tax planning - often the most effective solution requires a lateral approach. That’s where our Private Banking Relationship Managers really are invaluable. Rather than limit themselves to a standard approach or a tick list of products, they start by truly understanding what you'd like to achieve. That’s where the real solution starts to emerge - one which takes nothing for granted.

The dream property story

“My customer was looking to buy a property three months before he received his pension lump sum. With an offset mortgage and a Flexi Loan we were able to help, and the customer could buy the house of his dreams. He knows the loan can be paid off without penalty and the offset can be reduced over the next few years from further investments.”

Rose Wrench

NatWest Private Banking Relationship Manager

Your interests at heart

We'll create the financial solution you need

There's more to you than a list of your monthly income and expenditure - especially if, like many of our customers, your income tends to vary over the year. By looking carefully at your entire financial landscape, our Relationship Managers can make intelligent, well-considered decisions. It's about finding the solution, not simply asking our customers to fit a stereotype.

The re-financing story

"A client of mine was struggling to meet his monthly commitments. Following a full review, we carried out a re-mortgage and consolidation exercise. At the same time we fully restructured his mortgage to suit his needs - reducing his outgoings and making his life more comfortable financially."

Belinda Allinson

NatWest Private Banking Relationship Manager

A named contact

Reach your Relationship Manager directly

NatWest Private Banking revolves around your named Relationship Manager. It's hard to over-state the difference this can make - and how much easier it becomes to manage your finances when there’s one person to speak to - by email, mobile, direct dial or simply by popping into a branch. Then there are the little details - such as visiting you at home or your office.

Janice Cogdon’s story

"I am very satisfied. If I ever have any queries and I ring up, Matthew or his assistant sort it out and get straight back to me. It's just the small things that you wouldn't get with a normal bank account."

Janice Cogdon

NatWest Private Banking customer

We know your needs

People who understand you and your goals

We know how frustrating it can be to relay the same set of facts - to person after person. With Private Banking, we start with the premise that we should know as much as we can about your finances - and your broader aims in life. This gives us real insight into your needs, and can be a real advantage at times of particular pressure - perhaps due to changing circumstances in your personal life.

The ‘real relationship’ story

"Our clients require a knowledgeable individual who is able to deal with their needs efficiently and with the minimum of fuss. They are looking for someone they can build a relationship with over the longer term."

Fred Benham

NatWest Private Banking Relationship Manager

Streamlined banking

We help you cut through the red tape, to save you time

Nobody likes spending time filling out forms and reading through page after page of documentation - especially if it means cutting into your already busy schedule. At NatWest Private Banking, we do everything we can to remove the burden of unnecessary paperwork - presenting you only with the information you really need. And where it's inconvenient for you to come into a branch, we can meet where and when it suits you - perhaps at your home or office.

The 'time and place' story

"Sometimes it's the little things that clients really appreciate. For example, I often visit clients in their homes, where they have all the documents they need at hand. This can really speed up the process, and help them achieve their goals."

Chris James

NatWest Private Banking Relationship Manager

Fitting in with your plans

A service designed around your schedule

Why should your finances keep different hours from the rest of your life? At NatWest Private Banking, they don't have to. The key is flexibility - delivered by your Relationship Manager, backed up by Private Banking 24/7 - our dedicated telephone banking service. But our flexible approach really comes into its own when the stakes are particularly high - perhaps when you’re overseas, or in the middle of a complex property transaction. You always know that we will do our utmost to work around your schedule – and make everything as straightforward as possible.

Paul Fletcher's story

"I have an unconventional work schedule and NatWest always makes the effort to fit in with me and my wife rather than expect us to fit in with their work schedule."

Paul Fletcher

NatWest Private Banking customer

For the big and small things

From insurance claims to holiday bookings

Insurance cover for a family heirloom. Funding for that yacht you’ve always promised yourself. Or the best place to repair a laptop in Montevideo. With NatWest Private Banking, our service doesn’t start and end with the more traditional services - such as loans and savings accounts. Through our connections, we’re able to offer a huge range of expertise - from insurance cover to specialist finance. And thanks to the concierge service that comes with our Advantage Private Current Account, there’s almost no end to the help we can give you.

The 'anything you need' story

"In the role I have done everything from fix a vacuum cleaner for an 80 year-old client, to saving my clients considerable amounts of inheritance tax"

Graham Austin

NatWest Private Banking Relationship Manager

Proactive banking

Helping you in unexpected ways

When life and work keep you busy, it’s easy to get side-tracked - and not give your finances the time they deserve. That’s where your Relationship Manager comes in - keeping an eye on new products, opportunities and changes in the market. Because they know your broader financial goals, they can filter out the options that won’t appeal - and simply present you with ones which will help you meet your needs. They also work hard to guide you towards the best solution – not just the most obvious one. It really could make all the difference.

The expert opinion story

"I went to see a client recently regarding savings rates - she was going to give some money to her son as he is getting divorced. I advised that she should delay this until after the divorce as the funds would form part of his assets."

Karen Perry

NatWest Private Banking Relationship Manager

Simplifying your finances

From inheritance planning to your tax return

We've yet to meet anyone who actually relishes dealing with their taxes. However, with some expert support, we're able to cut through the complexities, and help you plan ahead with confidence. Perhaps that means making full use of your personal allowances, reclaiming overpayments - or establishing trusts to hold your assets and provide for your family as time goes on. Whatever the solution, you can relax knowing that this complex matter is being handled by the experts.

The 'cake and eat' it story

"I have recently introduced a couple to a product which enabled them to continue to derive income whilst also saving on inheritance tax - they didn't realise that this could be done."

Graham Austin

NatWest Private Banking Relationship Manager

People who make a difference

Helping you to realise your dreams

When you've worked hard to achieve something in life, there's nothing more crushing than being beaten by circumstance. From a property sale that falls through, to a delayed bonus payment from your employer, we realise that life's twists and turns can get in the way of your goals. However, fate hasn't reckoned on the NatWest Private Banking Relationship Manager. They take huge pride in rescuing the un-rescuable - fixing the un-fixable. When things don't go precisely to plan, it's reassuring to know they're on your side.

The ‘saving the day’ story

"A customer was purchasing the property of his dreams but at the last minute, his buyer fell through. I was able to arrange an open-ended bridging loan so he could still complete on his purchase. Twelve months later he finally sold his old property and repaid the bridging loan. He was delighted we were able to 'rescue' the purchase."

Tony Lippett

NatWest Private Banking Relationship Manager

Access to the experts

Trusted advice, from pensions to trusts

Your Relationship Manager might be your main point of contact, but they're far from the only expert you'll have access to. Through them, you can dip in to a wide range of Private Banking services and knowledge - from preparing your will to planning for your retirement. All the while, your Relationship Manager will make sure everyone you deal with has the information they need - making for a seamless process, whatever you’re looking to achieve.

The trusted expertise story

"We have a great team of experts at our disposal, so that we can help our clients - whatever their needs"

Karen Perry

NatWest Private Banking Relationship Manager

How they help

It’s hard to over-state the difference our Relationship Managers make. Everything they do is designed to make managing your finances as smooth, simple and rewarding as possible. Think of a Relationship Manager as your guide through the world of banking and finance – someone you can always rely on. And just like our customers, our Relationship Managers are spread throughout the whole of the United Kingdom, so not only are they conveniently located for contact but they bring with them excellent local knowledge. However, if this is your first experience of a Relationship Manager, the best way to truly appreciate the difference is to choose a Private Banking account.

With a Relationship Manager, you will enjoy:

Direct contact - by phone, mobile or face-to-face Understanding - someone that knows you and your finances Expertise - deal with a highly qualified person, often with many years of experience

Belinda Allinson

Relationship Manager, Beverely

Belinda has worked for NatWest since 1999, and joined NatWest Private Banking in 2003.

"I relish the relationship I am able to build with my clients and their families - and being able to help them through the different stages of their lives." "I help them to find a solution, and follow up all conversations or applications through to completion."

Fred Benham

Relationship Manager, Bournemouth

With over 35 years' experience within the RBS Group, Fred has worked within NatWest Private Banking since 2005.

"For me, the best part of the role is meeting with my clients - giving them a personal service through one point of contact." "My clients look for someone who can deal with all their needs efficiently, and with the minimum of fuss - someone they can build a relationship with over time."

Janet Gordon

Relationship Manager, Edinburgh

With experience of private banking which stretches back to 2003, Janet has worked for NatWest Private Banking since 2006.

"I enjoy meeting and chatting with my customers, and being able to offer a first-class service helping with even the smallest of requests." "Sometimes my clients just want to know I'm there to listen to their needs, help them achieve their goals and, where appropriate, pass them on to a fully qualified expert in any field they require advice on."

Jackie Gallop

Relationship Manager, Isle of Wight

Bringing 32 years’ experience with NatWest, Jackie has worked in NatWest Private Banking since 1997.

"For me, it's vital to keep in touch with clients - I always answer my phone if I am in the office, and avoid going to voicemail at all costs. It's hard, but believe me, it is worth it." "The personal service is vital - I'm there for clients at all times, taking time to know what they are doing and what makes them tick."