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NatWest is the United Kingdom's largest retail and commercial bank. As such, it's a major provider of loans and other credit sources to the UK population.

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About NatWest

The National Westminster Bank, or NatWest as it’s commonly known, is the United Kingdom’s largest retail and commercial bank. As such, it’s a major provider of loans and other credit sources to the UK population.

It has been part of the Royal Bank of Scotland group since 2010, and ranked by assets, it’s one of the ten largest banks in the world. As of 2014, it has more than 7.5 million personal customers, as well as 850,000 business customers, who have access to around 1,600 branches. In Northern Ireland, its banks are run under the name of Ulster Bank, one of its subsidiaries.

NatWest, as it is now, has its headquarters in London, but its origins are in Nottingham, dating back to the founding of Smith’s Bank in the city in 1658. This is often considered to be the first English bank outside of London. Smith’s Bank expanded through a series of acquisitions before, in 1902, it merged with the Union Bank of London.

In turn, this was acquired by what we know as the National Westminster Bank today, although it didn’t assume this name until 1970. It was one of the four banks responsible for the introduction of the Access card, now known as MasterCard, and was also one of the introducers of the Switch, now Maestro, debit card system.

As the country’s largest bank, customers of the NatWest have access to a wide range of borrowing options, including credit cards and mortgages.

Their many unsecured loans include home improvement loans, debt consolidation loans, car loans, and holiday loans. Interest rates and terms vary depending upon how much is borrowed, and what the loan is to be used for.

This allows customers to find a loan that’s suitable for them. Potential applicants can get a quote online, without it showing as a search that could affect their credit rating.