Compare these against whatever you were given. Scammers clone real firm names and reference numbers but use their own phone number and website, so a detail that does not match the register is the clearest warning sign there is.
In the full report: 3 background checks, 1 thing worth a closer look
When natwest.com first appeared online, and whether it can receive email
What kind of line 0345 788 8444 is
Whether EC2M 4AA is a shared office: 24 other firms give it
Other names(12)
If you were contacted under any of these names, it is this firm.
First Active Trading name: A name it trades under now.
Mentor Trading name: A name it trades under now.
Mettle Trading name: A name it trades under now.
NatWest Boxed Trading name: A name it trades under now.
NatWest Premier Trading name: A name it trades under now.
NatWest Rooster Money Trading name: A name it trades under now.
Payit Trading name: A name it trades under now.
Tyl Trading name: A name it trades under now.
Ulster Bank Trading name: A name it trades under now.
Bó Former trading name: A name it used to trade under.
Natwest Markets Former trading name: A name it used to trade under.
Williams & Glyn Former trading name: A name it used to trade under.
Warning
Scammers have impersonated this firm
Fraudsters have used this firm's name or details with their own contact
information to appear genuine. Check whatever you were given below, and
against the firm's real details above.
Arranging safeguarding and administration of assets
Assisting in the administration and performance of a contract of insurance
Causing dematerialised instructions to be sent
Credit Broking
Dealing in investments as agent
Dealing in investments as principal
Debt Administration
Debt-collecting
Debt-counselling
Entering into a regulated mortgage contract as lender
Entering into Regulated Consumer Hire Agreements as owner
Entering into regulated credit agreement as Lender (Excluding high-cost short-term credit, bill of sale agreement, and home collected credit agreement)
Exercising/having right to exercise lender's rights and duties under a regulated credit agreement (excluding high-cost short-term credit, bill of sale agreement, and home collected credit agreement)
Exercising or having the right to exercise the owner's rights and duties under a regulated consumer hire agreement
Issuing Electronic Money
Making arrangements with a view to regulated mortgage contracts
Making arrangements with a view to transactions in investments
Managing investments
Providing Credit Information Services
Safeguarding and administration of assets (without arranging)
Sending dematerialised instructions
Limits on what they may do
RFB Subgroup
TO: National Westminster Bank Plc (FRN 121878) Coutts & Company (FRN 122287) The Royal Bank of Scotland plc (FRN 114724) TAKE NOTICE: The Prudential Regulation Authority of 20 Moorgate, London, EC2R 6DA has decided to take the following action. 1. ACTION Following an application received from each firm pursuant to section 55M(5)(a) of FSMA for the imposition of the requirements, the PRA has decided to grant the application. 2. CONSTITUTION OF THE RFB SUB-GROUP The sub-consolidation group comprises the entities within the scope of consolidation referred to in paragraph 3(a) of this notice. 3. REQUIREMENTS UNDER S. 55M FSMA (a) Pursuant to Article 11(6) of the CRR, each firm must comply with Parts Two and Three of CRR, and CRD UK law which implemented Title 7, Chapter 4 of CRD on the basis of the consolidated situation of NatWest Holdings Limited. (b) The firm must read any reference to sub-consolidation group in data items RFB005, RFB006, RFB007, RFB008, and the accompanying instructions in Supervisory Statement 34/15, as including the other ring-fenced undertakings and the undertakings in the sub-consolidation group. (c) Each firm must immediately notify the PRA of: (i) any change proposed by the firm to the composition of the sub-consolidation group or to the composition of entities that are other ring-fenced undertakings; (ii) any sub-consolidation group member or other ring-fenced undertaking carrying on or intending to carry on a new activity or materially changing the nature or extent of an existing activity which, if the entity were a ring-fenced body, would be an excluded activity under section 142D of FSMA and the Excluded Activities Order or would contravene a prohibition under section 142E of FSMA and the Excluded Activities Order; (iii) any failure to meet the requirements; or (iv) any change in circumstances likely to affect the ability of the firm to meet the requirements. (d) Each firm must be capable of demonstrating to the PRA that the requirements are met. 4. INTERPRETATION Interpretative provisions (including definitions in the Glossary) of the PRA Rulebook apply to the requirements. 5. EFFECTIVE DATE This written notice takes effect from 1 January 2024 and ceases to have effect on 1 September 2028. 6. DECISION-MAKER The decision to give this notice was made by Anna Ghobadian-Grinham on behalf of the PRA. This application has been granted in consultation with the FCA. This notice will be published on the Financial Services Register. ANNEX Definitions Excluded Activities Order means the Financial Services and Markets Act 2000 (Excluded and Prohibited Activities) Order 2014. firm means each of National Westminster Bank Plc, Coutts & Company, and The Royal Bank of Scotland Plc. other ring-fenced undertakings means GWNW City Developments Limited, Land Options (West) Limited, NatWest Property Investments Limited, Pharos Estates Limited, Pollinate Networks Limited. requirements mean the requirements in paragraph 3 of this notice.
Access to the electoral register
The firm shall access the full electoral register, where this is the most cost-effective way of verifying identity for anti-money laundering purposes and will not prejudice the interests of the customer, in order to carry out the current customer review exercise.
One supervisory condition set by the FCA
These are conditions the FCA places on the firm itself, covering things like
capital it must hold and what it must report. They do not change what the firm
may do for you.
Requirement to the IMM permission 1712881(Public)
Reporting requirements 1. The firm must collect, record, and report to the PRA the following information on a quarterly basis in each calendar year: 1.1. its counterparty credit risk (CCR) EAD and CCR RWAs at aggregate level, and divided by exposure type (OTC derivatives, listed derivatives, repurchase transactions, securities or commodities lending or borrowing transactions and margin lending transactions); 1.2. its exposures divided by exposure type, counterparty sector and by counterparty credit rating, showing both level and trend; 1.3. the composition of collateral for OTC derivatives, showing both average level of collateral types and trend by collateral type; 1.4. backtesting results on representative (actual or hypothetical) counterparty portfolios, including the results on the following: * 10, 20 or 40-day backtesting for collateralised transactions of OTC derivatives; * 5, 10 or 20-day backtesting for repurchase transactions, securities or commodities lending or borrowing transactions and margin lending transactions; and * backtesting over at least a year for all uncollateralised transactions; 1.5. where the model relies on mapping to proxy transactions, or on proxy market data, a list of the affected products showing both the level and trend of these products and the results of the analysis to estimate the appropriateness of proxies for counterparty credit risk exposure calculation; 1.6. the results and analysis performed to calculate all capital adjustments held where there are identified limitations in the firm's CCR models and processes. 2. The firm must inform the PRA of any event that may have a significant impact on its IMM Permission, including in particular: 2.1) changes to the list of asset classes, products or counterparties listed in Table 2 of Annex 1; 2.2) use of a different model for exposure calculations under the IMM Permission; 2.3) changes to governance or senior management arrangements in relation to the IMM Permission; and 2.4) changes to the volumes or trends of trading for assets classes, products or counterparties listed in Table 2 of Annex 1. 2.5) changes to the volumes or trends of trading for legal entities in the scope of the IMM Permission. Maintenance of the group 3. This permission applies to each firm for as long as they remain part of the Royal Bank of Scotland Group plc. 4. Note on disclosure 5. The PRA has decided not to publish the full text and annexes of the IMM Permission as it has been deemed inappropriate and unnecessary. In particular, to do so might prejudice, to an unreasonable degree, the commercial interests of the firm[s] concerned. However, in the interests of transparency, the PRA's policy is to publish an abridged version of the IMM Permission, as a record that the IMM Permission has been granted.
FCA disciplinary action and Ombudsman complaints
FCA action
fines
5
in fines
£96.9m
most recent
February 2016
Fined £14m on 5 February 2016
On 19 November 2014, the PRA issued a Final Notice to the Royal Bank of Scotland Plc, National Westminster Bank Plc and Ulster Bank Ltd (together the “Banks”), which imposed on the Banks, pursuant to section 206 of the Financial Services and Markets Act 2000, a financial penalty of £14,000,000 for breach of Principle 3 of the FSA’s (and after 1 April 2013, the PRA’s) Principles for Businesses (now the PRA’s Fundamental Rule 6). The financial penalty was imposed on the basis that, during the period between 1 August 2010 and 10 July 2012, the Banks’ failed to meet their obligation to have adequate systems and controls to identify and manage their exposure to IT risks, in particular: i) the RBS Group’s Technology Services function (the centralised Group IT function which provides services to the Banks) did not manage and plan changes to the RBS Group’s IT systems adequately; ii) the Technology Services Risk, Business Services Risk and Group Internal Audit (together the “The Three Lines of Defence specific to IT for the Banks through the RBS Group), did not take sufficient care to control IT risks responsibly and effectively; and iii) the RBS Group had a limited understanding of IT operational risk. A copy of the Final Notice for NatWest can be found on the Bank of England website and can be accessed.
Fined £60m on 20 November 2014
The Financial Conduct Authority (FCA) imposed a fine on the Royal Bank of Scotland Plc, (RBS) National Westminster Bank Plc (NatWest) and Ulster Bank Ltd (Ulster Bank) (together the Banks) £42 million for IT failures which occurred in June 2012 and meant that the Banks' customers could not access banking services. The Banks breached Principle 3 of the FCA Principles for Business in that they failed to take reasonable care to organise and control their affairs responsibly and effectively, with adequate risk management systems. The Banks agreed to settle at an early stage of the Authority's investigation and therefore qualified for a 30% (Stage 1) discount under the FCA's executive settlement procedures. Were it not for this discount the FCA would have imposed a financial penalty of £60,000,000 on the Banks. The actual cause of the IT incident was a software compatibility problem with the underlying cause being the Banks' failure to put in place adequate systems and controls to identify and manage their exposure to IT risks. The IT failure affected over 6.5 million customers in the United Kingdom for several weeks. Over the course of that period customers could not use online banking facilities to access their accounts or obtain accurate account balances from ATMs; customers were unable to make timely mortgage payments; customers were left without cash in foreign countries; the Banks applied incorrect credit and debit interest to customers' accounts and produced inaccurate bank statements; and some organisations were unable to meet their payroll commitments or finalise their audited accounts.
Fined £14.47m on 27 August 2014
On 27 August 2014, the FCA imposed a penalty of £14,474,600 on the Firms for breaches of Principles 2 and 9 of the FCA's Principles for Businesses and MCOB rule 4.7. The breaches occurred between 1 June 2011 and 31 March 2013 (the Relevant Period). The Firms agreed to settle in Stage 1 and qualified for a 30% discount under the executive settlement procedures. Were it not for this discount, the penalty would have been £20,678,000. In the Relevant Period, the Firms failed to take reasonable care to ensure the suitability of mortgage advice to customers and thereafter failed to adequately remedy the failings when they were identified by the FSA in November 2011. When providing mortgage advice, firms must ensure that any recommendations they make are suitable for customers. The specific nature of the Firms' breaches was as follows: (1) the advised mortgage sales process was not fit for purpose In particular: (i) the Firms' process for assessing affordability was inadequate; (ii) they were not providing compliant advice to customers seeking to consolidate debt; and (iii) they were not advising on the appropriateness of a customer's preference regarding term. This led to an unacceptable risk that the Firms' customers would not receive suitable mortgage advice; (2) the monitoring of advised sales was inadequate and ineffective, as a result the Firms were not aware of the full extent of the issues; (3) no individual or team was properly accountable and responsible for the sales process and no-one ensured it was updated and compliant with regulatory requirements; and (4) their response to the issues raised by the FSA was seriously inadequate. They did not adequately assess the risks related to the issues and as a result customers were placed at prolonged and continued risk of receiving unsuitable advice. The Firms have agreed to conduct a customer contact exercise with the intention of identifying and addressing any detriment that may have resulted from the failings within the advised mortgage sales business during the Relevant Period. They will write to all customers who received advice during the Relevant Period and invite them to raise any concerns that they have about the advice received.
A bigger firm gets more complaints simply because it has more customers.
Customer compensation schemes
The FCA has ordered this firm to review past sales and pay back customers who lost out.
January 2015To address possible selling issues affecting customers who purchased Card Security Products provided by Affinion International Limited, where the sale (or renewal) of such products was on or after 14 January 2005 and…
August 2013Following a finding of mis-selling against Card Protection Plan Limited ('CPPL'), in respect of those customers who were mis-sold policies.
The FCA's wording
Amendment to a consumer redress exercise
The Requirements became effective on 27 January 2015 and were supplemented on 15 May 2015. The Requirements shall be supplemented as follows: The definition of 'Scheme of Arrangement' at paragraph 1.33 of the Requirements shall mean the solvent scheme of arrangement under Part 26 of the Companies Act 2006 described more particularly in Annex 1 hereto and all references in the Requirements to ”Scheme Document shall be references to the Scheme of Arrangement in Annex 1 hereto. Changes to the Scheme of Arrangement originally appended to the Requirements are highlighted through underlined or struck through text. Paragraph 5.1 of Part 3 of Annex B of the Requirements shall be amended so as to read as follows: If a Scheme Creditor disagrees with the amount of compensation payable to him, he may initiate the Dispute Resolution Procedure to refer the dispute to the Scheme Adjudicator, provided he does so within the time limits specified in Clauses 4.6 and 4.9 of the Scheme Document. If a Scheme Creditor disagrees with the rejection of his Claim Form by the Scheme Administrators, and provided that the Claim Form was received on or before 15 November 2016, he may initiate the Dispute Resolution Procedure to refer the dispute to the Scheme Adjudicator, provided he does so within the time limits specified in Clauses 4.8 to 4.10 of the Scheme Document.
Amendment to a consumer redress exercise
The Requirements became effective on 13 August 2013. The Requirements shall be supplemented as follows: The definition of 'Scheme of Arrangement' at paragraph 1.28 of the Requirements shall mean the solvent scheme of arrangement under Part 26 of the Companies Act 2006 as sanctioned by the Court on 14 January 2014 (as subsequently modified in accordance with its terms) and as described more particularly in Annex 1 to this Supplemental Requirement. Changes to the Scheme of Arrangement as appended to Part 1 of Annex C to the Requirements are highlighted through underlined or struck through text. All references in the Requirements to ”Scheme Document shall be references to the Scheme of Arrangement described more particularly in Annex 1 hereto. Paragraph 5.1 of Part 3 of Annex C of the Requirements shall be amended so as to read as follows: If a Scheme Creditor disagrees with the amount of compensation payable to him, he may initiate the Dispute Resolution Procedure to refer the dispute to the Scheme Adjudicator, provided he does so within the time limits specified in Clauses 4.5 and 4.8 of the Scheme Document. If a Scheme Creditor disagrees with the rejection of his Claim Form by the Scheme Administrators, and provided that the Claim Form was received on or before 22 July 2016, he may initiate the Dispute Resolution Procedure to refer the dispute to the Scheme Adjudicator, provided he does so within the time limits specified in Clauses 4.7 to 4.9 of the Scheme Document.
Amendment to a consumer redress exercise.
Supplemental Requirements 6. The Requirements shall be supplemented as follows: 6.1 A new paragraph 1.21(A) be inserted as follows: 'Extreme Distressed Suppression Population' means Scheme Creditors in respect of whom Schemeco and/or the Scheme Administrators receive a direct communication, in writing or otherwise, from: 1.21(A).1 that Scheme Creditor expressly requesting that no further communication be sent to that Scheme Creditor in connection with the Scheme of Arrangement; or 1.21(A).2 a third party on behalf of a Scheme Creditor stating that the Scheme Creditor is deceased and requesting that no further communication be sent to that Scheme Creditor in connection with the Scheme of Arrangement (provided that the Scheme Administrators are reasonably satisfied that the third party is authorised by law to make such a request on behalf of the Scheme Creditor), and in each case the Scheme Administrators reasonably determine at their discretion on the information available to them that the sending of further communications in connection with the Scheme to the Scheme Creditor will or will be reasonably likely to cause distress or harm.. 6.2 The definition of 'Scheme of Arrangement' at paragraph 1.33 shall mean the solvent scheme of arrangement under Part 26 of the Companies Act 2006 described more particularly in Annex 1 hereto and all references in the Requirements to Scheme Document shall be references to the scheme of arrangement in Annex 1 hereto. Scheme Claims Decisioning Procedures 7. The requirements set out in Annex B to the Requirements be supplemented by inserting a new paragraph 5.2 at Part 3 of Annex B as follows: 5.2 Certain time limits apply where Scheme Creditors wish to initiate the Dispute Resolution Procedure or (as part of the Dispute Resolution Procedure) to refer a dispute to the Scheme Adjudicator. These are set out in Clauses 4.6, 4.8, 4.9 and 7.1 of the Scheme of Arrangement.
Firm must undertake a consumer redress exercise
The firm is required to establish and operate a consumer redress scheme following a finding of mis-selling against Card Protection Plan Limited ('CPPL'), in respect of those customers who were mis-sold policies. 'Policies' (or 'policy') means CPPL's Card Protection Product, where the sale (or renewal) was on or after 14 January 2005 and was before the relevant Amendment Date (as defined in the scheme documentation); and/or CPPL's Identity Protection Product, where the sale (or renewal) was on or after 14 January 2005 and the sale was by telephone. The amount of redress may be calculated to off-set any claims made under the policy. This customer redress scheme must be implemented no later than 30 April 2014. Such consumer redress scheme shall be binding on the Financial Ombudsman Service. Further details are available on the FCA website: www.fca.org.uk
Firm must undertake a consumer redress exercise
The firm is required to establish and operate a consumer redress scheme scheme to address possible selling issues affecting customers who purchased Card Security Products provided by Affinion International Limited, where the sale (or renewal) of such products was on or after 14 January 2005 and was before the relevant Amendment Date (as defined in the scheme documentation). For full terms see the scheme documentation: www.aischeme.co.uk. The amount of redress may be calculated to off-set any insurance claims made under the Card Security Products. This consumer redress scheme must be implemented no later than 31 October 2015. This consumer redress scheme shall be binding on the Financial Ombudsman Service.
Companies House record
The company behind the firm: its status, age, registered office and directors.
A firm is run by people, and their other companies are their track record:
what they built, what closed, and anything that failed. It is the check most
people never think to make.
other companies
17
closed down
4
are FCA-registered
3
Lorem Ipsum Holdings LtdDirector · 2014 to 2019Dissolved
Dolor Sit LtdDirector · since 2016FCA-registeredActive
Amet Consectetur Property Services LtdDirector · 2011 to 2015In liquidation
Adipiscing Elit Group LLPSecretary · since 2020Active
In the full report: all 17 companies, named
What each company does, and whether it is still trading
Which of these 16 directors sit on each board, and since when
Any that went into liquidation or administration
The 3 on the FCA register
The 4 companies these 16 directors run together
All 109 people who have ever been directors, with their dates
Key dates in its history
This firm’s history from the FCA register and Companies House, newest first.
FCA warned the public about a scam impersonating this firm
FCA warning list
1 January 2024
FCA imposed a requirement (RFB Subgroup)
FCA register
2017
1 January 2017
Natwest Holdings Limited took control (75–100% of shares)
Companies House
2016
5 February 2016
Fined £14m by the PRA
FCA register
2015
27 January 2015
FCA ordered a customer compensation scheme
FCA register
2014
20 November 2014
Fined £60m by the FCA
FCA register
27 August 2014
Fined £14.47m by the FCA
FCA register
3 January 2014
FCA imposed a requirement (Requirement to the IMM permission 1712881(Public))
FCA register
2013
22 August 2013
FCA ordered a customer compensation scheme
FCA register
1 April 2013
Regulated by the FCA from this date
Regulated by the Prudential Regulation Authority from this date
FCA register
2003
28 August 2003
FCA imposed a requirement (Access to the electoral register)
FCA register
2001
1 December 2001
Regulated by the Financial Services Authority from this date
Became authorised by the FCA
FCA register
1995
1 October 1995
Regulated by the Securities and Futures Authority from this date
FCA register
1968
18 March 1968
Incorporated at Companies House
Companies House
In the full report: all 221 events
All 221 events in its history (16 shown here)
Every director appointment and resignation: 183
Connected firms
Other FCA-listed firms that share a director, phone number or address with this firm. A link shows who the firm is tied to, not whether either can be trusted.
connected firm
1
share a director
1
past links
2
Lorem Ipsum Finance LtdAuthorisedShared director
Dolor Sit LtdNo longer authorisedSame phone number
Amet Consectetur Capital Partners LtdAppointed representativeSame postcode
Adipiscing LLPAuthorisedShared director
In the full report: the connected firm, named
How it is linked: shared directors (1)
Who links it to this firm: the named directors, with dates
2 past links through former directors
Similar firms
Other firms of the same type (bank or building society), nearest first.
Firms are listed by type and location, best known first. Being listed is not a recommendation: check any firm before you deal with it.
Get the full report on this firm
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
17 other companies its directors have run, named
3 background checks on its contact details, 1 flagged
All 221 events in its history
1 connected firm, named, and who links them
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FirmSearch Report
National Westminster Bank Public Limited Company
Reference 121878 21 October 2026
Frequently asked questions about this firm
Is National Westminster Bank Public Limited Company FCA authorised?
Yes, National Westminster Bank Public Limited Company (FRN 121878) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since December 2001 and works as a bank or building society. The FCA has placed 2 limits on what it may do.
What is National Westminster Bank Public Limited Company’s phone number and website?
The FCA register lists the phone number 0345 788 8444 and the website natwest.com for National Westminster Bank Public Limited Company. If you were given different contact details, use these to check with the firm before going any further.
Is National Westminster Bank Public Limited Company a scam or clone?
Scammers have impersonated National Westminster Bank Public Limited Company: the FCA has published 2 warnings about fake versions of it, using contact details that are not the firm's. Only trust the details the FCA register gives for National Westminster Bank Public Limited Company, shown on this page.
Is my money safe with National Westminster Bank Public Limited Company?
It depends on the product, but eligible claims may be protected by the FSCS. You can also refer complaints about National Westminster Bank Public Limited Company to the Financial Ombudsman Service, free of charge.
Who owns National Westminster Bank Public Limited Company?
National Westminster Bank Public Limited Company is owned by Natwest Holdings Limited, which holds 75–100% of shares and 75–100% of votes, since 1 January 2017.
Who runs National Westminster Bank Public Limited Company?
Companies House lists 16 directors of National Westminster Bank Public Limited Company: Lena Cooper Wilson, Francesca Barnes, Patrick Gerard Flynn, Katie Murray, Roisin Jane Catherine Donnelly, Stuart Wilson Lewis and 10 more.
How long has National Westminster Bank Public Limited Company been in business?
The company was formed on 18 March 1968, and has held its current FCA authorisation since December 2001.
Has the FCA taken action against National Westminster Bank Public Limited Company?
Yes. The FCA register records 5 fines between 2010 and 2016, £96.87m in total. The details are in the disciplinary section above, with links to the FCA's notices.
How many complaints does National Westminster Bank Public Limited Company get?
In January–June 2025, the Financial Ombudsman Service received 3,051 new complaints about National Westminster Bank Public Limited Company, and upheld 31% of those it decided.
Does National Westminster Bank Public Limited Company use any other names?
It trades as First Active, Mentor, Mettle, NatWest Boxed and NatWest Premier, and 4 more names. It has previously used 3 other names: Bó, Natwest Markets and Williams & Glyn.