# NatWest Mobile Banking vs MyFluent

NatWest Mobile Banking and MyFluent both sit at 4.8 stars, but that hides the real split: 92% of MyFluent's written reviews are positive against 65% of NatWest Mobile Banking's. MyFluent also leads on monetization model (free vs free with in-app purchases). NatWest Mobile Banking's advantage is ratings volume (6.5K vs 2). On price, rating, update cadence and ads there is nothing between them.

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

MyFluent 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 2, so its average is the more settled of the two. Written reviews point the same way: 65% of NatWest Mobile Banking's written reviews are positive against 92% of MyFluent's.

NatWest Mobile Banking ships an update monthly, MyFluent every 3 weeks. The most recent releases landed on October 24, 2026 and October 21, 2026 respectively.

## The numbers

| Metric | NatWest Mobile Banking | MyFluent |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.8 (6.5K ratings)](https://appshunter.io/ios/app/natwest-mobile-banking/id334855322/reviews) | **[5.0 (2 ratings)](https://appshunter.io/ios/app/myfluent/id576793105/reviews)** |
| Number of ratings | **6.5K** | 2 |
| Positive reviews | 65.0% of reviews | **92.0% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Monthly | **Every 3 weeks** |
| Monetization | Free with in-app purchases | **Free** |
| Size | 678 MB | 51 MB |
| Requires iOS | **16.0** | 17.0 |
| Devices | iPhone, iPad | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [National Westminster Bank plc](https://appshunter.io/developer/990584386) | [Fluent Money](https://appshunter.io/developer/576793108) |

## What reviewers say

### NatWest Mobile Banking

[App page](https://appshunter.io/ios/app/natwest-mobile-banking/id334855322)

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:** Apple Wallet, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 🚀 Easy to use
- 🔒 Secure banking
- 👍 Comprehensive features
- 🚀 Quick transactions
- 👍 Organized layout

**What reviewers complain about**

- 🐛 Biometric approval issues
- 🐛 Frequent app crashes
- 🐛 Notifications not working properly
- 🐛 Difficult to find certain features
- 🐛 Inconsistent user experience

**Reported bugs**

- 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**

- 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


### MyFluent

[App page](https://appshunter.io/ios/app/myfluent/id576793105)

Track your loan application's progress in real time and communicate directly with your dedicated case manager. Upload necessary documents and receive immediate status updates throughout the process.

**Highlights:** Real-time application progress tracking, Direct communication with Case Manager, View lender details, Immediate status updates, Document upload (P45, P60, payslips), Identity verification via phone camera

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 👍 Easy to use
- 👍 User-friendly interface
- 👍 Keeps users informed
- 👍 Good for tracking progress
- 👍 Allows communication with case worker/advisor

**What reviewers complain about**

- 🐛 Does not upload correctly
- 🐛 Email bounces back
- 🐛 Makes life more complicated
- 🐛 UX really awful
- 🐛 App doesn’t update in line with changes

**Reported bugs**

- Does not upload correctly
- Email bounces back
- Document tab doesn't work
- App doesn't update in line with changes
- New messages slow to appear

**Requested features**

- Ability to complete forms online
- Touch ID login


## Frequently asked questions

### Is NatWest Mobile Banking free?

NatWest Mobile Banking is free to download, with no in-app purchases.

### Is MyFluent free?

MyFluent is free to download, with no in-app purchases.

### Which has better reviews, NatWest Mobile Banking or MyFluent?

MyFluent is rated higher. NatWest Mobile Banking averages 4.8 out of 5 from 6.5K ratings, while MyFluent averages 5.0 from 2 ratings.

### Do NatWest Mobile Banking or MyFluent have ads?

Neither NatWest Mobile Banking nor MyFluent shows ads.

### Which is updated more often, NatWest Mobile Banking or MyFluent?

NatWest Mobile Banking ships an update monthly, and MyFluent every 3 weeks. Most recently, NatWest Mobile Banking was updated on October 24, 2026 and MyFluent on October 21, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*