NatWest — UK retail bank within NatWest Group, regulated by the FCA and PRA, with a flagship retail and SME franchise across England and Wales.
- HQ
- London / Edinburgh
- Customers
- 19M+ across NatWest Group
- Connection
- Open Banking (read-only)
Current accounts and salary inflows
Your NatWest current account, with salary credits tagged and outflows auto-categorised on the same taxonomy as your other banks.
Savings, deposits and pots
Easy-access savings, fixed-term deposits and goal-based pots offered by NatWest are read alongside the current account so the full balance is never split.
Cards and recurring spend
Debit-card and credit-card transactions are auto-categorised, with card-on-file subscriptions detected as recurring monthly spend.
Standing orders and direct debits
Mortgage payments, rent, utilities and SEPA direct debits hitting your NatWest account are detected so non-discretionary outflows are clear month-on-month.
Current accounts
Read by Bank AIRead-only view of your daily spending account: balance, transactions, IBAN. Bank AI never moves the money - it stays in the bank.
Savings accounts
Read by Bank AIEasy-access savings, vaults, fixed-term deposits and pots are read alongside the current account so the full balance picture is never split.
Joint accounts
Read by Bank AIJoint accounts are read for every co-holder who connects the bank under their own consent - each member sees the same balances and transactions.
Business accounts
Read by Bank AIWhere the bank exposes business / SME / freelancer accounts via PSD2, they are read alongside personal accounts and tagged separately for clean reporting.
Multi-currency balances
Not yet supportedMulti-currency wallets surface every currency you hold separately, with FX rates applied so home-currency net worth stays accurate.
Debit and credit cards
Read by Bank AICard-only products without a full IBAN account are read for spend, statements and standing orders just like a current account.
Auto-classified merchants
- Tesco
- Sainsbury's
- Asda
- Morrisons
- TfL
- Amazon UK
- Uber
- Costa Coffee
Detected subscriptions
- Netflix
- Spotify
- Disney+
- Now TV
- Sky UK
- Vodafone UK
- How much sits across my NatWest current account, Cash ISA and Reward Black?
- Compare my NatWest card spend at Tesco and Morrisons with last quarter.
- List every recurring Sky UK, BT and Vodafone payment on my NatWest account.
- What's the next direct debit due on my NatWest account?
- Bank
Revolut
Pan-European neobank with a Lithuanian banking licence; multi-currency pockets surfaced in Bank AI.
→ - Bank
Wise
LSE-listed money-transfer specialist; multi-currency balances surfaced in Bank AI.
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Monzo
UK challenger bank with FCA / PRA authorisation; Pots and salary surfaced in Bank AI.
→ - Country
🇬🇧 United Kingdom
The UK runs the most-mature Open Banking regime in the world, mandated by the CMA in 2017 and implemented by the Open Banking Implementation Entity. CMA-9 banks are required to offer free access to account data via standardised APIs.
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Does Bank AI move money on my NatWest account?
No. Bank AI is read-only by design. Transfers, payments and standing orders continue to happen inside NatWest. Bank AI surfaces balances, transactions and recurring totals; every action remains under your control inside the NatWest app.
How does Bank AI connect to NatWest?
NatWest exposes account data via PSD2. Bank AI uses licensed Account Information Service Providers (AISPs) to read balances, transactions and standing orders; Strong Customer Authentication is enforced every 90 days as the rules require.
Are RBS and Ulster Bank read under the same NatWest connection?
RBS (Royal Bank of Scotland) and Ulster Bank are sister brands within NatWest Group. Bank AI reads each one as its own connection so the brands remain distinct.
Does Bank AI surface my NatWest Cash ISA and Stocks & Shares ISA?
Yes. Cash ISA balances are read as distinct sub-balances under your NatWest connection. Where NatWest exposes Stocks & Shares ISA holdings via Open Banking, positions are surfaced alongside the cash leg.
What about my NatWest Reward and Premier accounts?
The connection is at account level - Reward, Reward Black and Premier accounts are read identically. The plan-specific monthly fees and rewards are detected as recurring outflows / inflows.
What happens if NatWest raises a connectivity error?
PSD2 connections occasionally require re-authentication (the 90-day SCA refresh) or fail because of a NatWest-side maintenance window. Bank AI shows a clear status pill on the connection and prompts you to re-authenticate without losing any of your data.
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