MoneySavingExpert.com homepage
Cutting your costs, fighting your corner
Founder, Martin Lewis · Editor-in-Chief, Marcus Herbert
Search bar closed.
MSE News

NatWest customers locked out of their account... for using an apostrophe

natwestlogo
Megan French
Megan French
Assistant News & Features Editor
9 February 2018

More than 100 NatWest customers have been locked out of its online banking and mobile app because of a bizarre technical glitch which apparently penalises good grammar, MoneySavingExpert can reveal.

The bank says it's trying to fix a problem with its mobile app which occurs when a customer sets a 'nickname' for their account which includes a special character, such as an apostrophe.

Customers who've used anything other than letters or numbers in their account nickname have found they're unable to access their account either online or via the app - and haven't even been able to request their account is individually unlocked or re-register. Instead they've had to wait until NatWest has done a regular "sweep" of all affected accounts.

NatWest, which was alerted to the problem as early as last October, says it has been unlocking the affected customers' accounts every month, and those currently locked out will be able to re-register access their accounts on Wednesday. It says it will have fully fixed the problem early in March.

For tips on choosing the best bank account and are current top picks, see our Best Bank Accounts guide.

'Locked out for calling it "Jane's account"'

We first heard about the problem from MoneySaver Jane, who said: "There is an issue with their online banking. If you change the name of your account to something more friendly via the Edit Account Nickname option and include any non-alphanumeric characters - eg, an apostrophe, "Jane's Account" - the change is allowed.

"But you are then unable to log back in to internet banking either on the web or via the mobile app. So I and all the other customers are now unable to access our accounts to check we've been paid, pay bills etc."

Jane said she believes NatWest should be proactively warning customers of this issue.

We've seen a number of tweets from others affected by the problem, dating back to the start of January:

How can I avoid this happening?

Just make sure that if you set an account nickname in the mobile app, you only use letters or numbers. Avoid using any special characters such as apostrophes or commas - even if it's at the expense of good grammar.

I'm locked out - what should I do?

NatWest says it will do its next reset of affected accounts on Wednesday - after that, you'll be able to re-register to use the app and online banking.

NatWest said customers can use telephone banking or visit their nearest branch in the meantime.

We asked NatWest if it would consider paying affected customers who've been unable to access their account compensation, and it's said it will consider requests on a case-by-case basis.

What does NatWest say?

A spokesperson said: "We have over 5.6 million customers using our mobile app, and this issue is only affecting a very small minority of them and will be fixed."

MSE Forum

NatWest customers locked out of their account... for using an apostrophe

Forum image
Tools and calculators

Clever ways to calculate your finances

Find your odds of getting top cards
Find your odds for getting a cheap loan
Compare broadband, phone & TV deals
Compares thousands of mortgages
Eight calcs to help you work out the cost
We ensure you’re on the cheapest tariff