Comparison

NatWest Mobile Banking vs True Potential

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

NatWest Mobile Banking

Manage your finances with ease and security. Apply for accounts, track spending, send and receive money, and access banking support. Features include card management, budgeting tools, and savings features.

Highlights
  • Apply for current, savings, and teen accounts
  • Freeze/unfreeze cards
  • Send money via QR code or link
  • Split bills
  • Track spending and set budgets
  • Save spare change with Round Ups
  • Get credit score updates
Features
Read full description

Join over 11 million customers and download our NatWest mobile banking app today to make your day-to-day banking easy, quick and secure. Why the NatWest app? Manage your money easily and securely: • Apply for current, savings, child, teen, Premier, and student accounts quickly. Eligibility criteria apply. • See all your bank accounts straight from your Home screen. • Freeze and unfreeze your card at any time (Mastercard only). • Use pots to set money aside from your main account for everyday needs and to stay in control of your spending. • Set up fingerprint, voice or facial recognition for better security and to send high value payments in-app, amend payment limits and more. Fingerprint, voice or facial recognition are only available on selected devices. Send, receive and access money quickly: • Request money via a QR code or link. • Send money faster with a personalised list of favourite payees. • Split a bill up to £500 by sharing a payment request link with multiple people at once. (Eligible current accounts only. Payment requests can be sent to anyone with an eligible account with a participating UK bank and uses online or mobile banking. Paying bank criteria and limits may apply.) • iPhone only: Get Cash in emergencies with a unique code without using your card. You can withdraw up to £130 every 24 hours at our branded ATMs. You must have at least £10 available in your account and an active debit card (locked or unlocked). Stay on top of your spending and saving: • Keep track of payments all in one place. • Save your spare change with Round Ups if you have an eligible current account and instant access savings account. Round Ups can only be made on debit card and contactless payments in Sterling. • Budget easily by managing your monthly spending and set categories. • Turn on push notifications to get alerted when money reaches or leaves your account. Get support for every life event: • Spend abroad in Euros and US Dollars without fees or charges by applying for a Travel account. You must have enough money in your travel account. To apply for a Travel account, you need an eligible sole current account and to be over 18. Other terms and fees may apply. • Get updates on your credit score and insight on how to improve it. Your credit score data is provided by TransUnion and is only available to customers over 18, with a UK address. • Discover our additional products and services, including mortgages, home and life insurance and loans, in one place. • Fast track your money goals with the help of our handy plans, tools and tips. Important info: Please note, the app contains images when logging in that may cause a reaction in individuals who are photosensitive. You can switch these off for your device by visiting the settings menu and the accessibility menu, where you will be able to find motion and visual control settings within the menu (note this is not within our app, but in the settings of your device itself). Our app is available to customers aged 11+ with a UK or international mobile number in specific countries. Be aware that some features and products have age restrictions and are only available if you’re over 16 or 18. By downloading this app, you’re accepting our Terms and Conditions, which can be viewed at natwest.com/mobileterms. Please save or print a copy along with the Privacy Policy for your record.

About

True Potential

Access your finances and investments anytime, anywhere with award-winning technology. Track performance, add to investments with innovative features, and monitor your net wealth. Secure messaging keeps you connected.

Highlights
  • 24/7 investment viewing
  • Performance tracking against goals
  • Add to investments from £1
  • Link assets and investments
  • Track net wealth
  • Secure messaging
Features
Read full description

Our award-winning technology gives you unrivalled access to your finances on-the-go, wherever you are. Use the app to: - View your investments 24/7 - Track performance against your goals - Add to your investments from £1 with world-first impulseSave® technology - Link your assets and investments to track your net wealth - Get in touch through secure messaging

Screenshots

NatWest Mobile Banking4 screens
True Potential4 screens

Verdict

The call

NatWest Mobile Banking and True Potential both sit at 4.8 stars, but that hides the real split: 65% of NatWest Mobile Banking's written reviews are positive against 21% of True Potential's. NatWest Mobile Banking also leads on ratings volume (6.5K vs 5). True Potential's advantage is monetization model (free vs free with in-app purchases) and update cadence (every 2 weeks vs monthly). On price, rating, ads and in-app purchases there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

ReceptionRating · Positive reviews · Number of ratings

True Potential holds the better App Store score, 5.0 against 4.8. That said, the two scores are not equally well evidenced: NatWest Mobile Banking has 6.5K ratings behind it against 5, so its average is the more settled of the two. Written reviews complicate that: 65% of NatWest Mobile Banking's written reviews are positive against 21% of True Potential's, so the app with the better star average is not the one people write more warmly about.

UpkeepUpdate frequency

NatWest Mobile Banking ships an update monthly, True Potential every 2 weeks. Both last shipped on October 23, 2026.

Scorecard6 real differences · 4 level
NatWest Mobile Banking versus True Potential: the parameters behind the verdict, then further details
ParameterNatWest Mobile BankingTrue Potential
PriceFreeFree
Rating4.8 (6.5K ratings)5.0 (5 ratings) — better
Positive reviews65.0% of reviews — better20.7% of reviews
Number of ratings6.5K — better5
Update frequencyMonthlyEvery 2 weeks — better
AdsNoNo
In-app purchasesNoNo
MonetizationFree with in-app purchasesFree — better
DevicesiPhone, iPadiPhone, iPad, iPod, Apple Watch, Vision Pro — better
Requires iOS16.013.0 — better
Further details — not scored
Size678 MB208 MB
Age rating4+4+
DeveloperNational Westminster Bank plcTrue Potential LLP

Customer experience

NatWest Mobile Banking

All ratings6,465 ratings
Positive96.4%
Neutral1.5%
Negative2.2%
Written reviews2,506 reviews
Positive65.0%
Neutral6.1%
Negative28.9%

True Potential

All ratings5 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews92 reviews
Positive20.7%
Neutral10.9%
Negative68.5%

Bugs and requests

NatWest Mobile Banking

Reported bugs

5 issues
  • Face recognition not working consistently
  • App freezes when trying to pay by bank
  • Unable to deposit cheques through the app
  • Incorrect account balance displayed after updates
  • Biometric approval not working on certain devices

Requested features

5 requests
  • Add option to view and download bank statements
  • Improve search and filtering for transactions
  • Introduce customizable notification settings
  • Allow users to add notes to transactions
  • Provide more detailed budgeting and spending analysis tools

True Potential

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

NatWest Mobile Banking

No in-app purchases

None

True Potential

No in-app purchases

Questions

Is NatWest Mobile Banking free?
NatWest Mobile Banking is free to download, with no in-app purchases.
Is True Potential free?
True Potential is free to download, with no in-app purchases.
Which has better reviews, NatWest Mobile Banking or True Potential?
True Potential is rated higher. NatWest Mobile Banking averages 4.8 out of 5 from 6.5K ratings, while True Potential averages 5.0 from 5 ratings.
Do NatWest Mobile Banking or True Potential have ads?
Neither NatWest Mobile Banking nor True Potential shows ads.
Which is updated more often, NatWest Mobile Banking or True Potential?
NatWest Mobile Banking ships an update monthly, and True Potential every 2 weeks. Most recently, NatWest Mobile Banking was updated on October 23, 2026 and True Potential on October 23, 2026.

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