Is NatWest or 3S Money better for your small business?
Below we look at both NatWest and 3S Money reviews on Trustpilot along with their App reviews from Apple and Google.
We then look at typical fees, business savings rates, foreign currency options and a whole bunch of other account features to help you make up your mind.
NatWest vs 3S Money Trustpilot Reviews
| NatWest | 3S Money | |
| Trustpilot Review Score (out of 5) | 1.4 | 4.7 |
| Percent 5-Star Reviews | 8% | 93% |
| Percent 1- Star Reviews | 86% | 5% |
| Total Number of Reviews | 5,984 | 730 |
https://www.trustpilot.com/review/www.natwest.com
https://www.trustpilot.com/review/3s.money
NatWest vs 3S Money App Reviews
| NatWest | 3S Money | |
| iPhone Review Score (out of 5) | 4.8 | No Rating |
| Number of iPhone Reviews | 456,700 | No Reviews |
| Android Review Score (out of 5) | 4.4 | No Rating |
| Number of Android Reviews | 349,000 | No Reviews |
https://apps.apple.com/gb/app/natwest-mobile-banking/id334855322
https://www.apple.com/uk/app-store/
NatWest vs 3S Money Account Fees & Charges
| NatWest | 3S Money | |
| Free Business Bank Account | Yes | No |
| Free Business Account Term Length | 24 Months | NA |
| Cheapest Monthly Account Fee | Free | $100 |
| Most Expensive Monthly Account Fee | Free | $100 |
| Electronic Payment Cost (in/out) | 35p | Free + 60p |
| Cash Payments Cost (in/out) | 70p per £100 | Free |
| Cheques (in/out) | 70p per item | £1 |
| CHAPS Payments Cost | £20 | £20 |
| SEPA Payments Cost | 45p | €1 |
NatWest vs 3S Money Business Savings Rates
| NatWest | 3S Money | |
| Types of Business Savings Accounts | Instant access, notice and fixed-term savings accounts | None |
| Lowest Savings Rate (AER) | 1.46% | NA |
| Maximum Savings Rate (AER) | 4.25% | NA |
| Minimum Savings Amount | No | NA |
| Interest Paid On Foreign Currencies | Yes | No |
NatWest vs 3S Money Account Opening Times
| NatWest | 3S Money | |
| Can You Apply Online? | Yes | Yes |
| How Long Does Opening An Account Typically Take? | 10 Working days | 15 minutes |
| Do They Check Your Credit? | Yes | Yes |
| Current Account Switch Service | Yes | Yes |
NatWest vs 3S Money Features & Account Types
| NatWest | 3S Money | |
| Business Current Account | Yes | Yes |
| Business Savings Account | Yes | No |
| Business Credit Card | Yes | No |
| Business Overdraft | Yes | No |
| Accounts For Startups | Yes | Yes |
| Accounts For Charities | Yes | Yes |
| Accounts For Sole Traders | Yes | Yes |
| Joint Business Accounts Available | Yes | Yes |
| Card Type | Mastercard | Mastercard |
| Online Banking | Yes | Yes |
| Mobile Banking | Yes | No |
| In Person/Branch Banking | Yes | No |
| Branch Locations | UK-wide including the ability to use some RBS locations | None, online only |
NatWest vs 3S Money Customer Support Options
| NatWest | 3S Money | |
| Phone Support Available | Yes | Yes |
| Email Support Available | Yes | Yes |
| App Based Support | Yes | No |
| Web Based Support | Yes | Yes |
| In person Customer Support | Yes | No |
NatWest vs 3S Money Foreign Currency Accounts
| NatWest | 3S Money | |
| US Dollar (USD) Bank Accounts | Yes | Yes |
| Euro (EUR) Bank Accounts | Yes | Yes |
| Other Currencies Available: |
| No |
Other Business Services From NatWest and 3S Money
| NatWest | 3S Money | |
| Business Loans | Yes | No |
| Commercial Mortgages | Yes | No |
| Invoice Financing | Yes | No |
| International Payments | Yes | Yes |
| Merchant Payment Services | Yes | Yes |
| Card Machines | Yes | No |
| Free Accounting Software | Yes | Yes |
NatWest vs 3S Money Banking Basics
| NatWest | 3S Money | |
| Bank Type | High Street | Challenger |
| FSCS Protection | Yes, up to £85,000 | No |
| FCA Number | 121882 | 900918 |
| Website | NatWest Website | 3S Money Website |
Common Comparison Questions
Does NatWest or 3S Money have better customer reviews?
NatWest scores 1.4 out of 5 based 5,984 Trustpilot reviews. Of these reviews 8% are 5-star and 86% are 1-star.
Whereas, 3S Money scores 4.7 out of 5 based 730 Trustpilot reviews. Of which 93% are 5-star and 5% are 1-star.
Does NatWest or 3S Money have a better App?
NatWest’s iPhone App is rated 4.8 out of 5 based on 456,700 reviews. And it’s Android App is rated 4.4 out of 5 based on 349,000 reviews.
In comparison, 3S Money’s iPhone App is rated No Rating out of 5 based on No Reviews reviews. And it’s Android App is rated No Rating out of 5 based on No Reviews reviews.
Does NatWest or 3S Money have better business savings rates?
NatWest offers the following types of business savings accounts: Instant access, notice and fixed-term savings accounts with interest rates ranging from 1.46% to 4.25%. (AER)
In contrast, 3S Money offers None accounts with interest rates ranging from NA to NA (AER).
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For other business bank accounts see our guide here.