Coutts
NatWest Group. Everything below is from the bank's own pages, its regulators or the league table publishers, numbered to the Sources page.
The facts
- Coutts states that, within three months of becoming a client, a client needs at least £3 million across investments and/or savings with Coutts and must maintain it (page read 1 November 2026).1
- Coutts states that a fully bespoke portfolio service is offered to clients investing £10 million or more who have more complex requirements (page read 1 November 2026).296
- Coutts states that its business exit programme is for entrepreneurs planning to sell within 18 months and likely to achieve an enterprise value of at least £10 million (page read 1 November 2026).297
- Coutts states on its Join Coutts form that applicants who do not meet its criteria can apply to NatWest International if a minimum deposit of £100,000 is paid in at account opening (page read 1 November 2026).298
- Coutts states on its Join Coutts form that applicants who do not meet its criteria can apply to NatWest International if a £75,000 mandated salary is paid in every year (page read 1 November 2026).299
- The FCA's firm-level complaints data for 2026 H1 gives a 'Context (Provision)' figure of 4.98 for Coutts (Coutts & Company, group NATWEST GROUP) in the Banking and credit cards product group between 1 January 2026 and 30 June 2026, which the FCA describes as complaints opened per 1,000 policies, balances, accounts or agreements in force; this is an entity-wide figure.18
What it publishes
| Desk | Item | Published | As read |
|---|---|---|---|
| private banking | fee schedule | Partly | Our Relationship Fee for UK based clients Sole Relationship £100* per month Joint Relationship £100* per month |
| private banking | minimum investable assets | Yes | Within three months of becoming a Coutts client, you’ll need to have at least one of the following with us, and maintain it from that point onwards: £3 million |
| private banking | eligibility criteria | Yes | Within three months of becoming a Coutts client, you’ll need to have at least one of the following with us, and maintain it from that point onwards: £3 million |
| private banking | indicative fee range | No | |
| private banking | retainer terms | No |
The Secret Banker's view
The Coutts join form asks for £3 million in investments or savings, or £3 million of borrowing, held with Coutts and kept there. The relationship fee is £100 a month, waived at £500,000 of holdings, which sits comfortably below the entry test. Applicants who fall short are pointed, on the same form, to NatWest International with a £100,000 deposit. I think that is the most courteous rejection in British banking. No portfolio management fee is published. A fully bespoke portfolio starts at £10 million.
Opinion, based on the facts above. Corrections through the contact page; a credible one gets a sourced fix within a week.
No firm named here has been consulted, and none should feel left out.