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Our businesses

Retail Banking

Through the NatWest and Royal Bank of Scotland brands we provide a comprehensive range of banking products and related financial services including current accounts, mortgages, personal unsecured lending and personal deposits. We’re here for customers whenever and wherever they need us – from our mobile app and online banking, through to our contact centres and high street and mobile branches.

Commercial & Institutional

We’re here to help businesses of all sizes grow with confidence, and to support the next generation of businesses to get started and thrive. We do this by providing the services and insights you need to achieve your business’s ambitions.

Our Commercial & Institutional franchise draws together all of the capabilities from across our business to serve yours better.

Whether it’s traditional loans, asset finance and payments solutions, more complex and innovative risk and financing solutions, or climate support and sustainable finance tools, we’re there to support your business every step of the way. Add to this our constantly evolving digital, data and technology capabilities designed to offer an easier banking experience, and you’ll probably have everything you need to grow your business confidently, quickly, and sustainably.


Find out how we can support you:

  • Smaller businesses: we help our 1 million customers to grow with confidence, with experts dedicated to giving you the smart tools, skills and specialist support you need to grow sustainably from concept, to start-up, to thriving business.
  • Commercial customers: for larger, more established mid-market customers, our teams of sectors specialists deliver a high-quality sales and service experience, connecting you with the innovative products and services that could help you achieve your growth, environmental and social ambitions.

And our proposition for corporate and institutional customers:

  • We help you navigate change and manage financial risks safely and achieve your short- and long-term financial goals by offering global market access and trading, financing, risk management, transaction banking services, and unrivalled expertise.
  • We are one of the largest full-service banks operating across the local and institutional banking sectors in the Channel Islands, Isle of Man and Gibraltar. Our International Banking business also has wholesale branches and fund depositary services businesses in both the UK and Luxembourg, and operates under these six brands: RBS International; NatWest International; Isle of Man Bank; Coutts Crown Dependencies; NatWest Trustee and Depositary Services and RBS International Depositary Services.

Private Banking

Private Banking is the Investment Centre of Expertise for NatWest Group, servicing all client segments across Retail, Premier & Private Banking. We provide private banking and wealth management services to UK-connected high-net-worth individuals and their business interests through the Coutts & Co brand. We continue to focus on delivering the best client experience through a proactive engagement model which supports clients across both sides of their balance sheet – improving returns by deepening client relationships and enhancing our digital banking capabilities to make it easier for clients to deal with us.

Ulster Bank RoI

Since the end of July 2021 (apart from the UBIDAC asset finance business which remains fully open), commercial banking has been closed to new customers, remaining open for existing customers only. Since the end of October 2021, we have stopped accepting applications from new personal customers, but continue to consider applications on a reduced number of products from existing personal customers, mainly mortgages. We continue to support our existing customers pending further decisions on the phased withdrawal.