The paypal ones never look real to me as there from an email account in Romania or similar and they dont even know me real name. But if your getting one for first time you maybe fooled if your in a rush.
Thanks for heads up on nat west. Whether you have an account or not its defo spam. The email address is clearly not nat west domain and headers may show a gmail or Ru account or simlar. Allways log in to your account in the normal way to check for message's or new payers ect.
Bobb