# NatWest ClearSpend

> Business spending control app for commercial card accounts. (iPhone/iPad app by National Westminster Bank plc.)

- Source: https://appshunter.io/ios/app/natwest-clearspend/id1227471926 (this page in markdown: same URL + `.md`)
- Developer: [National Westminster Bank plc](https://appshunter.io/developer/990584386)
- Category: Finance
- Price: Free
- Rating: 4.20/5 from 5 App Store ratings · 75 written reviews indexed
- Age rating: 4+
- Requires: iOS 15.0 · 59 MB
- Languages: American English
- Released: 2017-05-10
- Data updated: 2026-09-13
- Monetization: free
- User reviews in markdown: https://appshunter.io/ios/app/natwest-clearspend/id1227471926/reviews.md

## What is NatWest ClearSpend?

ClearSpend is the smarter way to control your business spending. The NatWest ClearSpend mobile app gives you complete control of your Commercial Card account.
- Real time balance information
- View transactions, including pending and declines
- View regular statements
- Set cardholder credit limits
- Set cardholder merchant category blockings
- Lock and unlock an employee’s card
- Receive transaction notifications
- Approve online purchases
- Create departments to segregate spend
- App for administrators and cardholders

Registration
It only takes a couple of minutes to get started on NatWest ClearSpend. Simply download the App and click ‘Need to register’ and then follow the onscreen instructions. Please note, the Business or Commercial Card account will need to be registered and activated before cardholder users can register.
NatWest ClearSpend is available to eligible NatWest Business and Commercial Card account customers with compatible iOS devices and a UK or international mobile number in specific countries. Over 18s only, other terms and conditions apply.

## Key features

- 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

## What do users think of NatWest ClearSpend?

Overall sentiment: negative

**Pros**

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

**Cons**

- 🐛 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

**Commonly reported bugs**

- App crashes
- App doesn't let you login
- Face ID integration only works once
- App won't even open
- App crashes on opening
- Unable to login
- App just crashes and won't work anymore
- Login issues after update
- Cannot login, don't receive one-time passcode
- Error has occurred with no info
- Registration doesn't work
- Online purchases not approved
- Cannot switch card to account
- Endless loop in terms and conditions
- No real-time updates
- No idea of current balance
- Incorrect or irrelevant account information
- Cannot download PDF statements
- Keyboard covers typing field
- One-time passcode function issues on iPhones
- App buffers/spins on login
- Frozen on welcome screen
- Update breaks app
- Cannot approve payments
- App displays spinning ring after logging in
- Update bricks the app
- App not recognising email and password
- App locks up and kicks user out
- App history shows financials when backgrounded
- Cannot paste in password on login screen
- Network timeout on login clears FaceID/TouchID password
- Upgrading from one version to another logs user out
- Too many steps to activate and log on
- App locks you out after x days
- Crashing on opening on iOS
- Reverts to current period when switching between cards
- App not recognising email and password
- App not allowing multiple accounts to save login details
- Facial recognition symbol spins and forgets password
- App refuses to remember login details
- Transactions timed at 12:00AM
- Cannot export CSV files
- Cannot pay into account from connected current business account
- Cannot pay from online banking app to card
- App forced update
- Login failures even when details are correct
- Not intuitive
- Cannot find obvious things
- Update 5.3.0 causes spinning icon
- App not fit for purpose
- Unable to authorise important transactions
- New update has killed it
- Updated and doesn’t even work now
- Spinning icon after Touch ID
- Cannot get into the App since the update
- Release an update that doesn’t allow access
- New version cannot log in
- 5.3.0 update spins on egg timer
- Statement history stops at November 2022
- Recent statements not present on the app
- Cannot download payment lists to Excel or PDF
- App crashing on opening
- App now not recognising email and password
- App refuses to remember login details
- Facial recognition symbol spins and forgets password
- App is unclear, confusing and messy

**Most requested features**

- Integrate BusinessCards into NatWest Banking app
- Allow downloading PDF copies of statements
- Improve Face ID integration
- Allow login for multiple business accounts
- Show credit card balances in main NatWest banking app
- Allow making debit card payments to account
- Improve transaction visibility
- Add dark mode option
- Add advanced analytics dashboard
- Allow pasting passwords
- Support password auto-fill
- Fix Face ID/Touch ID password clearing on network timeout
- Allow exporting data to Excel or CSV
- Allow paying into account from connected current business account
- Allow paying from online banking app to card
- Fix transaction timing to differentiate same-day transactions
- Improve inbox/outbox message functionality
- Allow users to switch cards without reverting selected period

## Recent user reviews (10 of 75)

All indexed reviews: https://appshunter.io/ios/app/natwest-clearspend/id1227471926/reviews.md

### 1/5 — Crashes

*2026-05-27, version 10.1.0*

Just useless

### 1/5 — Doesn’t work

*2026-04-28, version 10.1.0*

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

### 1/5 — ClearUnsatisfactory

*2026-03-18, version 10.1.0*

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

### 1/5 — Rubbish

*2026-02-27, version 10.0.0*

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.

### 1/5 — Anybody home

*2025-12-04, version 10.0.0*

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

### 1/5 — Worst App Ever

*2025-07-11, version 8.0.0*

I have a few business accounts and this is the worst. Can’t work out how to pay into it or move money. Awful.

### 1/5 — Worst finance app ever

*2025-06-07, version 8.0.0*

What can I say? It’s impossible to set up on multiple devices. Thanks n the one device I managed to get working the app is so basic and useless. There is no export, reporting, no ability to make payments or any other way to administer the account. Totally useless.

### 1/5 — Won’t even open

*2025-05-26, version 8.0.0*

Used to work, now the app won’t even open?! Running iOS 18.5, so what’s the issue?!

### 1/5 — No longer working

*2025-05-07, version 8.0.0*

This app just crashes and won’t work anymore

### 1/5 — Worked for a bit now crashes on opening.

*2025-04-12, version 8.0.0*

Worked for a bit now crashes on opening.

## Frequently asked questions about NatWest ClearSpend

### 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.

## Version history (last 5 releases)

### 10.2.0 — 2026-06-11

Security and performance update. We’ve improved sign in protection, including email guidance if you’re locked out and stronger passwords when you reset. You may also see extra verification during registration. Plus accessibility improvements, reporting capped to 3 years, and general technical performance fixes.

### 10.1.0 — 2026-03-03

When you’re checking out in a participating merchant’s app, we’ll now take you straight to ClearSpend to verify your purchase and bring you back when you’re done, making checkout quicker and easier.

### 10.0.0 — 2025-10-22

We’ve enhanced your statement access. You can now view and download up to 36 months of historic credit card statements directly within the app - an increase from the previous 12-month limit. This update supports improved financial record-keeping and easier access to your transaction history.

### 9.0.0 — 2025-08-21

We’ve made it even easier to start using your credit card!
With our latest update, you can now instantly add your card to your phone’s digital wallet—right from the ClearSpend app. No more switching apps or manual entry. Just tap, add, and go!
Enjoy faster, more secure payments with in-app wallet provisioning.

### 8.0.0 — 2024-11-21

In our latest update, we've made some bug fixes and technical changes behind the scenes.

## Apps similar to NatWest ClearSpend

| App | Rating | Price | Category |
| --- | --- | --- | --- |
| [Halifax Mobile Banking](https://appshunter.io/ios/app/halifax-mobile-banking/id486355738) | 4.9 (7,352) | Free | Finance |
| [Royal Bank ClearSpend](https://appshunter.io/ios/app/royal-bank-clearspend/id1397509095) | — | Free | Finance |
| [NatWest International](https://appshunter.io/ios/app/natwest-international/id451464914) | 4.7 (240) | Free | Finance |
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| [Sterling Bank Online-Personal](https://appshunter.io/ios/app/sterling-bank-online-personal/id1225810096) | 2.8 (5) | Free | Finance |
| [Ulster Bank NI ClearSpend](https://appshunter.io/ios/app/ulster-bank-ni-clearspend/id1392236539) | — | Free | Finance |

## More apps by National Westminster Bank plc

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All apps by National Westminster Bank plc: https://appshunter.io/developer/990584386

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-09-13.*