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NatWest ClearSpend

NatWest ClearSpend

by National Westminster Bank plc

5 ratings
75 reviews
💰 Finance
Free

Details

Released
May 10, 2017
Updated
October 22, 2026

Features

Developer

National Westminster Bank plc
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NatWest ClearSpend screenshot #1 for iPhone
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About

Manage your business expenses with this app. It provides real-time balance, transaction details, credit limit settings, and card blocking. Administrators can also create departments and approve online purchases.

✓Real-time balance information
✓View transactions (pending and declined)
✓Set cardholder credit limits
✓Block/unblock employee cards
✓Approve online purchases
✓Create departments for spend segregation
Show original description

What users say about NatWest ClearSpend

Reviews of NatWest ClearSpend are mostly negative: the Finance app is rated 4.2/5 from 5 App Store ratings. What users like most: user-friendly (recent update), improved functionality (recent update). Top complaints: crashes frequently, app won't open. Summarized from real user reviews.

Positive things

  • 👍User-friendly (recent update)
  • 👍Improved functionality (recent update)
  • 👍Love the controls
  • 💡True innovation
  • 💡Intuitive and user friendly

Negative things

  • 🐛Crashes frequently
  • 🐛App won't open
  • 🐛Unable to login
  • 🐛Limited functionality
  • 🐛Misleading information
  • 🐛Dismissive customer service
  • 🐛Face ID issues
  • 🐛Difficult to manage accounts
  • 🐛No export/reporting
  • 🐛Setup issues on multiple devices
  • 🐛Basic app interface
  • 🐛Poor design for small screens
  • 🐛One-time passcode issues on iPhones
  • 🐛Error messages without explanation
  • 🐛Cannot verify details
  • 🐛Fails online purchase authentication
  • 🐛Endless loop in terms and conditions
  • 🐛No real-time updates
  • 🐛No idea of current balance
  • 🐛Incorrect/irrelevant account information
  • 🐛Cannot download PDF statements
  • 🐛Difficult to view credit card spend
  • 🐛Basic features
  • 🐛Complicated verification process
  • 🐛Buffers/spins on login
  • 🐛Frozen on welcome screen
  • 🐛Update breaks app
  • 🐛Cannot switch card to account
  • 🐛Cannot pay balance
  • 🐛Unintuitive interface
  • 🐛Transactions timed at 12:00AM
  • 🐛Cannot export CSV
  • 🐛Cannot pay into account from connected account
  • 🐛Cannot pay from online banking app
  • 🐛Splitting credit cards and current accounts
  • 🐛Difficult to log in
  • 🐛Takes a lifetime to show spending
  • 🐛Logs out after update
  • 🐛Does not remember login details
  • 🐛Poor security
  • 🐛Cannot paste password
  • 🐛No password auto-fill
  • 🐛Network timeout clears FaceID/TouchID password
  • 🐛Upgrading logs user out
  • 🐛Too many steps to activate/log on
  • 🐛Locks out after x days
  • 🐛No real features
  • 🐛Cannot download payment lists
  • 🐛Crashing on opening (iOS)
  • 🐛Reverts to current period when switching cards
  • 🐛App not recognising email and password
  • 🐛Unreliable
  • 🐛Kicked out and locked up
  • 🐛Omitting actual users from design process
  • 🐛Missing vital functionality
  • 🐛Nothing is obvious
  • 🐛Half-baked app
See all reviews

What's New in NatWest ClearSpend

10.4.0

October 22, 2026

We've implemented technical updates and infrastructure improvements to support the continued security and stability of the app.

User reviews

Most RecentHighest RatedLowest Rated

Crashes

Just useless
GGrief123

Doesn’t work

Pointless app, doesn’t let you login and when it does you are very limited with what you can do on there. Pointless, NatWest really need to sort out this app
SSav8t8

ClearUnsatisfactory

How did this get almost 2 stars? App gives misleading information. Beware!
HIHaven Iceday

Rubbish

This is a very poor app with limited functionality. It gives misleading information. When you identify an issue, they tell you that you don’t understand how to use it in a dismissive and patronizing fashion. Doesn’t compare in any way to the Barclaycard, MBNA, Lloyds, First Direct apps which are far superior.
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HIHaven Iceday

Anybody home

Been using this app for years for work card. The Face ID integration only works once next time you use app you have to set it up again and a 6 digit pin.

Very poor work by developer, if they can’t get basics right it’s fairly safe to assume the rest of the apps security is substandard
BGBen Geeham
See 70 more reviews

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User experience

🐞

Reported Bugs

66 issues

App crashes

Bug

App doesn't let you login

Bug

Face ID integration only works once

Bug

App won't even open

Bug

App crashes on opening

Bug

Unable to login

Bug

App just crashes and won't work anymore

Bug

Login issues after update

Bug

Cannot login, don't receive one-time passcode

Bug

Error has occurred with no info

Bug

Registration doesn't work

Bug

Online purchases not approved

Bug

Cannot switch card to account

Bug

Endless loop in terms and conditions

Bug

No real-time updates

Bug

No idea of current balance

Bug

Incorrect or irrelevant account information

Bug

Cannot download PDF statements

Bug

Keyboard covers typing field

Bug

One-time passcode function issues on iPhones

Bug

App buffers/spins on login

Bug

Frozen on welcome screen

Bug

Update breaks app

Bug

Cannot approve payments

Bug

App displays spinning ring after logging in

Bug

Update bricks the app

Bug

App not recognising email and password

Bug

App locks up and kicks user out

Bug

App history shows financials when backgrounded

Bug

Cannot paste in password on login screen

Bug

Network timeout on login clears FaceID/TouchID password

Bug

Upgrading from one version to another logs user out

Bug

Too many steps to activate and log on

Bug

App locks you out after x days

Bug

Crashing on opening on iOS

Bug

Reverts to current period when switching between cards

Bug

App not recognising email and password

Bug

App not allowing multiple accounts to save login details

Bug

Facial recognition symbol spins and forgets password

Bug

App refuses to remember login details

Bug

Transactions timed at 12:00AM

Bug

Cannot export CSV files

Bug

Cannot pay into account from connected current business account

Bug

Cannot pay from online banking app to card

Bug

App forced update

Bug

Login failures even when details are correct

Bug

Not intuitive

Bug

Cannot find obvious things

Bug

Update 5.3.0 causes spinning icon

Bug

App not fit for purpose

Bug

Unable to authorise important transactions

Bug

New update has killed it

Bug

Updated and doesn’t even work now

Bug

Spinning icon after Touch ID

Bug

Cannot get into the App since the update

Bug

Release an update that doesn’t allow access

Bug

New version cannot log in

Bug

5.3.0 update spins on egg timer

Bug

Statement history stops at November 2022

Bug

Recent statements not present on the app

Bug

Cannot download payment lists to Excel or PDF

Bug

App crashing on opening

Bug

App now not recognising email and password

Bug

App refuses to remember login details

Bug

Facial recognition symbol spins and forgets password

Bug

App is unclear, confusing and messy

Bug
✨

Requested Features

18 requests

Integrate BusinessCards into NatWest Banking app

Feature

Allow downloading PDF copies of statements

Feature

Improve Face ID integration

Feature

Allow login for multiple business accounts

Feature

Show credit card balances in main NatWest banking app

Feature

Allow making debit card payments to account

Feature

Improve transaction visibility

Feature

Add dark mode option

Feature

Add advanced analytics dashboard

Feature

Allow pasting passwords

Feature

Support password auto-fill

Feature

Fix Face ID/Touch ID password clearing on network timeout

Feature

Allow exporting data to Excel or CSV

Feature

Allow paying into account from connected current business account

Feature

Allow paying from online banking app to card

Feature

Fix transaction timing to differentiate same-day transactions

Feature

Improve inbox/outbox message functionality

Feature

Allow users to switch cards without reverting selected period

Feature

FAQ

What does the NatWest ClearSpend app do?

The NatWest ClearSpend app is designed to help businesses control their spending on commercial card accounts. It offers features like real-time balance checks, transaction viewing, setting credit limits, blocking cards, and approving online purchases.

What are the key features of this app?

Key features include real-time balance information, viewing all transactions (including pending and declined ones), setting cardholder credit limits, blocking and unblocking employee cards, receiving transaction notifications, approving online purchases, and creating departments to segregate spend.

Is this app free to use?

Based on the provided information, the app is free to download and use. There are no mentions of in-app purchases or subscription fees associated with its core functionality.

Who is this app for?

This app is intended for eligible NatWest Business and Commercial Card account customers. It serves both administrators who manage the overall account and cardholders who use the cards for business expenses.

How do I register for the app?

Registration is straightforward. After downloading the app, click 'Need to register' and follow the on-screen instructions. It's important to note that the Business or Commercial Card account must be registered and activated before cardholder users can register.