# NatWest ClearSpend — user reviews > 75 indexed App Store user reviews of NatWest ClearSpend by National Westminster Bank plc, rated 4.20/5 from 5 ratings. - Source: https://appshunter.io/ios/app/natwest-clearspend/id1227471926/reviews - App overview in markdown: https://appshunter.io/ios/app/natwest-clearspend/id1227471926.md - Rating breakdown: 5★ 4 · 4★ 0 · 3★ 0 · 2★ 0 · 1★ 1 ## 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 ## Newest reviews (20 of 75) ### 1/5 — Unable to login *2025-02-15, version 8.0.0* All was okay since week ago ehen try to login says problem occured. Tried everything no luck. Useless ### 1/5 — Does not work *2025-02-11, version 8.0.0* I used to use this app all the time and managed our company credit cards very easily from my phone. But about 2 months ago it stopped working, I have deleted and re-installed the app several times on my iPhone 13 but when I click on it just doesn’t open and goes back to the icon on my screen. V annoying it’s totally useless now. ### 1/5 — Keeps Crashing *2025-01-15, version 8.0.0* Worked previously, but now App will not open ### 1/5 — Worst app in history *2024-12-13, version 8.0.0* As the title says… useless, oblique, unnecessarily vague (especially for a banking app!), crashes and locks you out constantly - really unbelievably terrible!! ### 1/5 — Not even worth one star *2024-12-10, version 8.0.0* The most useless app I have had the misfortune to use… who knew the update could make it worse? ### 1/5 — Utterly pointless! *2024-08-11, version 6.6.3* Completely and utterly useless. Why can't BusinessCards be added to the NatWest Banking app? This was once possible many years ago. Cannot download PDF copies of statements, which is the only functionality that would actually be useful. Forced to scan paper statements. ### 1/5 — Useless dud *2024-07-13, version 6.5.5* Badly designed for small screens - keyboard covers the field into which you are typing. Can’t even log in. Functionally useless. ### 1/5 — Worst.app.ever *2024-05-22, version 6.5.2* Never found an app as bad as this one, complete let down from NatWest, just give us a simple, intuitive view in the main banking app to view our credit card spend statement style… sack the app developers, buy in a third party app developers from any of the major credit cards and it will be a vast improvement to the useless piece of memory stealing junki currently have… ### 1/5 — Can’t login - as I don’t receive one time passcode *2023-12-18* There seems to be an issue with the one time passcode function on iPhones which means I’m unable to login and do my job properly. It was working ok but has suddenly stopped for no reason. I put my SIM card in a different brand of phone and it works fine. This leads me to believe that the SIM card is ok and that the issue is iPhone/app related. Unfortunately I’ve had to return the other make of phone so I’m stuck without access. I’ve reinstalled the app and tried every fix suggested by customer service but still doesn’t work. Nobody seems able to help! ### 1/5 — Terrible app *2023-11-29, version 5.4.0* I am trying to login and it’s useless .. keeps saying an error has occurred with no info ..please sort this out .. ### 1/5 — Useless *2023-09-30, version 5.4.0* If I could give it no stars I would! You can’t even view your over balance or make changes to how much you want to pay. Absolute waste of time ### 1/5 — Can’t verify details *2023-09-04, version 5.3.1* Copying and pasting details from NatWest letter yet the registration doesn’t work. Now I must waste my time finding support. ### 1/5 — Useless *2023-09-01, version 5.3.1* It doesn’t work for online purchases. We are a business and perhaps one in ten transactions are authenticated . We are unable to place orders. Please can you sort out the glitches in your app as it’s causing problems . ### 1/5 — Waste of time *2023-07-31, version 5.3.1* Took 3 days to setup and now won’t approve any of online transactions. Rubbish not an app ### 1/5 — Appalling piece of junk *2023-07-06, version 5.3.1* Absolutely useless. Cannot switch card to my account, despite being the account owner. Card is still connected to ex-business partner’s email address and it cannot be changed. ### 1/5 — absolutely useless *2023-06-21* “in order to continue you must open the terms” and you can’t click forward unless you do this… but guess what, once you’ve opened this and read it, it sends you back to the beginning again, where you are greeted with a message that says: “in order to continue you must open the terms” It’s an endless loop of stupidity. all the while an ad pop up saying “why not use the app” rules the top of my screen. you idiots. Who checks this?! doesn’t natwest have any money for this?? It’s a joke. It’s so painfully stupid I’ll be thinking about switching banks soon… oh and by the way, the only reason I need to use clear spend is to “ok” a payment online for £0.00 what a life purgatory app. bin it and choose another better bank guys, it’s the only way they’ll listen. ### 1/5 — Worst banking app I’ve used *2023-05-27, version 5.3.1* Don’t think I’ll be keeping a NatWest Business Credit Card as this app is so bad. Nothing in real-time. No idea of current balance. Its really odd. Who designed this? Sack them. ### 1/5 — Worst banking app ever *2023-05-05, version 5.3.1* I’m going to be switching my credit card provider because honestly this app is a comical lesson in how not to do it. You have no facility to pay your balance, the display of transactions is so bad it’s hilarious. The account information displayed is incorrect or irrelevant. ### 1/5 — Poor *2023-05-05* It works ok for confirming payments, but generally a pretty lousy interface when it works, currently it is just hanging saying I have no statements. We used to have them posted to us, but now have to jump through lots of hoops to access them online. Contemplating switching banks because NatWest has been very under par for a while, they are no longer a high street bank, so they’ve lost the advantage they had over other online only offerings. ### 1/5 — Compete junk *2023-04-13, version 5.3.1* This app is pointless, save your time ## Most critical reviews (10 lowest-rated) ### 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. ## Most praised reviews (10 highest-rated) ### 5/5 — No problem with the app despite the recent comments *2023-04-09, version 5.3.0* No problem with the app despite the recent comments ### 5/5 — Love the controls *2022-11-26* Better layout than before and use the card controls all the time to keep those pesky employees in check **Developer response:** Thanks for the feedback! We're glad you like the app. ### 5/5 — Works well *2022-08-05* I’m quite happy with the new update. The functionality has improved. **Developer response:** Thanks for the feedback! We're glad you like the app. ### 5/5 — Great new update! *2022-07-31* Recent update is so much better! Much more user friendly. **Developer response:** Thank you for your feedback. We really appreciate it. ### 5/5 — True innovation *2018-03-13* A trully stunning app, very intuitive and user friendly. Enables us to have lots more control and visibility on the way we use our cards in the business and certainly comfort to give cards to more employees. Definitely recommend! ### 3/5 — Broken *2023-04-07, version 5.3.0* Was okay, but update has broken it. Plus no achieve, here or online. Apparently due to lack of server capacity!! ### 3/5 — Will not log in. Stuck on spinning icon. *2023-04-06, version 5.3.0* Since the last update on 5th April 2023, all over is the Touch ID and then a spinning icon. Cannot log in. ### 3/5 — Not working since update *2023-04-06* Have used this app for the last 12 months or so but since updating yesterday to current version (5.3.0) it just displays a spinning ring after logging in! Unable to do anything at all. Need it fixing to use company credit card. **Developer response:** We're extremely sorry for the inconvenience this has caused you. The problem has now been resolved in the latest update. ### 3/5 — Poor security *2020-07-20* UPDATE: With v3.0.1 you can now finally paste in a password 🎉. Will update again when I have (re)tested the rest. — ClearSpend is far better to use than what it replaces (Cards Online), but what is going on with the apps security?!? - After using and backgrounding the app the state you left it (ie, financials viewable) is in app history rather than being obscured - You cannot paste in a password on login screen - No support for password auto-fill - To make the password situation worse... a network timeout on login clears the FaceID/TouchID password - Upgrading from one version to another logs you out Is this the next generation of ‘security’ as the banks see it?!? Feel free to get in touch if you want me to fix these issues for you. ### 2/5 — Not great *2022-01-22* The app is very basic. All you can do really is check balance and transactions, and even those are not the easiest. Other functions like making payments into the card, authorising transaction, etc, are missing. I don’t understand why the natwest banking app can’t simply integrate credit card. Why have two separate apps and no interface between the two? **Developer response:** Thank you for your review. We use our customer feedback to prioritise our backlog of features so your feedback is much appreciated. Online shopping transaction authorisation has been added in our update this week. Integrating business credit card accounts into our NatWest Mobile Banking app is something that is on our product backlog. Unfortunately it can take some time to develop these new items as there is a backlog of features that have been prioritised to be developed first. You can use the NatWest Mobile Banking app now though to send a payment to your business credit card account from your NatWest business current account. Select Payments, Make a Payment, Choose who to pay, Pay someone new. Then select Business under Account type, and type in the first 6 digits of your business credit card number under Business name. You’ll then be able to select the full Business name for the type of card you have from a list of choices at which point the Account number and Sort code will pre populate for you. Then enter your full 16 digit business credit card number under Reference without dashes, letters or spaces. --- *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 2026-08-15.*