NatWest Bank Deals

NatWest Bank Deals & Discounts

6 hot deals
7% cashback at Jamie's Italian with Natwest Rewards
79°Expired
Found 22nd JulFound 22nd Jul
Spend 30 squids at Jamie's Italian and get 7% cashback with Natwest rewards 10% CASHBACK AT ASK -CAN BE US3D WITH ALL THE OTHER THOUSANDS OF ASK OFFERS - BONZA NATWEST CUSTOMER… Read more
Get dealGet deal

Original Poster

thomas011551 h, 43 m ago

You should leave Natwest and RBS they are propped up by government money. …You should leave Natwest and RBS they are propped up by government money. RBS is largely to blame for the UK financial crisis and now they constantly receive fines. Where do you think the money comes from?They received another $5.5 billion penalty this month.https://www.theguardian.com/business/2017/jul/12/rbs-fine-us-loan-misselling-scandal-federal-housing-finance-agency


Ok

You should leave Natwest and RBS they are propped up by government money. RBS is largely to blame for the UK financial crisis and now they constantly receive fines. Where do you think the money comes from?

They received another $5.5 billion penalty this month.
theguardian.com/bus…ncy

I have 10% cash back with my Halifax card. Worth checking if you have one.

Jamie is NOT Italian.


I think he wishes he was though...
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Natwest Savings Builder 1.5% Instant Access Saving Account
48°Expired
Found 7th JunFound 7th Jun
*Feeling brave, here goes...* I suspect this deal might go stone cold given that there aren't really any good savings deals at the moment, but this is the best and most flexible sa… Read more

only £5k...

Use as a last resort after you're maxed out on TSB, Halifax, Bank of Scotland, Santander, and multiple regular saver accounts that offer far more attractive returns.

Sharpharp1 h, 8 m ago

Brave at 1.5% ??? Waste of time if u ask me, plenty of options to get a …Brave at 1.5% ??? Waste of time if u ask me, plenty of options to get a better return for that amount. For starters the Santander 123 coupled with a reg saver beats this hands down.......and before someone says "oooh but you have to pay £5 a month fee with Santander 123, well think again, the reg saver interest negates it"


Sort of, but not quite. You can get the reg saver, and the bills cashback, by going for S123 lite, at just £1 per month. That £4 per month difference would be better banked and a different current account chosen for interest... IMO

If you knock £4 x 12 = £48 pa off the interest then the effective S123 rate is about 1.26% assuming you are using the personal savings allowance.

It gets worse if you don't put in the full £20k, or if the S123 is in addition to other current accounts, you've used up your PSA, and you are a higher rate taxpayer ... in the higher rate taxpayer scenario the £4 extra per month makes the effective interest rate before tax nearer 1.1%.
Edited by: "gwapenut" 7th Jun

You may wish to consider shares in the current interest rate climate (provided Corbyn and his incompetent economy wrecking mates don't get in tomorrow ) . Many large companies such as Lloyds, GSK , BP , Legal and General etc are paying 4% - 6% in dividends but obviously not suitable for short term savings.

Better than the interest I'm getting - just opened one, thanks OP

Great if you have used all of the other accounts and need one as a floater account, heat added
10% rewards (max £10 back) at Amazon.co.uk (Natwest Reward Credit Card)
323°Expired
Found 4th AprFound 4th Apr
I've just logged in to MyRewards on natwest and noticed they're offering 10% back (up to a max of £10) at Amazon.co.uk. If eligible, you should be able to get a £10 back on a £10… Read more

Original Poster

Jeffrey44

I don't see colour.


I'm sure if you ring the number on the back of your card they'll be able to share with you the colour of your card.

WillPS

I don't have a Black Mastercard, I have a Rewards (Blue) Mastercard. … I don't have a Black Mastercard, I have a Rewards (Blue) Mastercard. Shows on my account.


I don't see colour.

cutthroat_jake

Well spotted OP! Here's a screengrab from the My Rewards site........BTW … Well spotted OP! Here's a screengrab from the My Rewards site........BTW This is about the best cashback card out there just now. I've had hundreds of pounds back from just my usual monthly spend. If you haven't got one already, I would seriously consider it.



Agreed - other than the limited time special offers with some of the Amex cards this seems to be the best out there now that the Capital One card has taken away their 1% on everything.

Was even better until the end of March with a bonus for using contactless

Original Poster

cutthroat_jake

Well spotted OP! Here's a screengrab from the My Rewards site........BTW … Well spotted OP! Here's a screengrab from the My Rewards site........BTW This is about the best cashback card out there just now. I've had hundreds of pounds back from just my usual monthly spend. If you haven't got one already, I would seriously consider it.


Agreed. Although it has lost a bit of its edge now that the extra 1% on contactless spending has gone, still for places that don't accept Amex it is brilliant. A no-brainer, along with the Rewards current account.

Well spotted OP! Here's a screengrab from the My Rewards site........
https://s1.postimg.org/h2ky85lq7/Capture.jpg

BTW This is about the best cashback card out there just now. I've had hundreds of pounds back from just my usual monthly spend. If you haven't got one already, I would seriously consider it.
Nat West rewards, from £3 pm easy money.
335°Expired
Found 6th FebFound 6th Feb
Been using this for 11 months now and already have £110 earned so tripled my money and it's based on certain direct debits so for me my council tax dd puts me in profit straight aw… Read more

katya1971

Im interested in this u have a woolwhich mortgage. I currently just pay … Im interested in this u have a woolwhich mortgage. I currently just pay my dd from first direct account, how does this work?


You don't get rewards on mortgage payments. You pay £3 fee and get 3% back on direct debits for Council Tax, mobile, landline, TV package, gas, electricity and broadband. If you spend more than £100 per month on these, you will receive rewards, though whether it's worth it depends on how much more than £100 you spend.

knack

The info about this account is but the comparisons to Santander, Halifax … The info about this account is but the comparisons to Santander, Halifax and TSB are out of date.



​Halifax, Santander & TSB have all reduced the incentives payable to customers since the turn of the year which makes the NatWest offering even more attractive.

:D:D Great!!! Just opened an account recently specifically for DD. So now applied to change to this. Make money for spending money... why not.

Not worth it for me as not spending enough on bills... not voting either way as I can see it would be a good deal for people with biger bills.
p.s. shouldn't this thread be in personal finance rather than Home and Garden ?

Im interested in this u have a woolwhich mortgage. I currently just pay my dd from first direct account, how does this work?
Any Size Hot Drink Free at Cafe Nero with Scan Code on 'Top Tips For A Cracking Christmas' email from Natwest Bank (Easily Missed!) and valid til 31st December
162°Expired
Found 19th Dec 2016Found 19th Dec 2016
Received an email from Natwest today titled 'Top Tips For A Cracking Christmas', assuming its national if opted in for emails and offers. If you scroll down towards the bottom ther… Read more
Get dealGet deal

dfurn

Worked for me this morning at about 0805h. So super thanks to Dan. The … Worked for me this morning at about 0805h. So super thanks to Dan. The code itself is similar to the O2 codes and they only work once. However worth a try for someone else certainly. I asked the staff in my Nero to try the code first before they made my drink; I might suggest that to whoever tries it next.



​glad it worked

I had the code on my email. the expiry is 31st December

Thanks for posting, Anyone know the expiry date
Edited by: "OwlEye" 24th Dec 2016

dansmith10588

let us know if someone uses it please



Worked for me this morning at about 0805h. So super thanks to Dan. The code itself is similar to the O2 codes and they only work once. However worth a try for someone else certainly. I asked the staff in my Nero to try the code first before they made my drink; I might suggest that to whoever tries it next.

let us know if someone uses it please
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Download & activate NatWest app and they will donate £2 to SPORTS RELIEF
240°Expired
Found 18th Mar 2016Found 18th Mar 2016
We're proud to be an official partner of Sport Relief. It's a fantastic chance to get active, raise money and change lives. Half the money they raise will be used to fund projects … Read more

Good to see a bank owned by the tax payer giving away money to charity, no wonder we are never going to get the money back.

breezerman123

who has a 3gs its the 21st century


Probably does the job nicely, still using my Nokia X6, so ya know.

Decent enough deal anyways, I'll install it on the missus' phone just to take advantage.

who has a 3gs its the 21st century

Just like a bank to try to gain a marketing advantage on the back of a charity, yet they want us to believe they have mended their ways. Right.

Banned

I would but my 3GS only goes up to v6 and the app requires v7 (can't go any further because the phone's hacked to have the carriers unlocked).
NatWest current rewards account £3 per month
283°Expired
Found 6th Mar 2016Found 6th Mar 2016
Earn 3% on your household bills. Gas, electric, broadband, mobile phone, council tax etc. For most people council tax alone would outweigh the £3 charge.

brianp9

pretty simple really for mewas with RBS current paying direct debits = … pretty simple really for mewas with RBS current paying direct debits = nothing backSame direct debits through Natwest rewards = £10+ per month back ( minus fee ofcourse )



RBS Reward Account: personal.rbs.co.uk/per…tml

pretty simple really for me

was with RBS current paying direct debits = nothing back

Same direct debits through Natwest rewards = £10+ per month back ( minus fee ofcourse )







This is rubbish, 0% interest on any savings

[quote=kpearsoncj]supportcentre.natwest.com/app…%3F[quote=itm2][quote=Coffee100][quote=kpearsoncj]

Very amusing text from that link: "You may also be invited to web chat with us if we think you need assistance"

So it's by invitation only. Natwest pushing back the frontiers of customer service and technology once again ;0)

https://supportcentre.natwest.com/app/answers/detail/a_id/501/~/how-can-i-use-webchat%3F

itm2

Yes exactly. If you're lucky it'll pop up after you've been logged in for … Yes exactly. If you're lucky it'll pop up after you've been logged in for a while. Putting a "Contact Us" link on the page is obviously something that Natwest haven't thought of yet.

3% back on Natwest rewards when you fill up at BP when you spend £30 or more
-58°Expired
Found 12th Nov 2015Found 12th Nov 2015
3% back in rewards when you spend £30 or more on BP when you use your natwest debit card! Valid until 25th November

yas212

I'll be cancelling mine at the end of the year! Well it's free now plus … I'll be cancelling mine at the end of the year! Well it's free now plus you get bonus nectar points so I thought it was a good deal but, oh well!



i will pay the monthly £3 fee next year to continue as i get more than this as cashback. i get something like £15 a month.

Original Poster

mutley1

he is thinking of the account fee. I have this for free until end of this … he is thinking of the account fee. I have this for free until end of this year


I'll be cancelling mine at the end of the year! Well it's free now plus you get bonus nectar points so I thought it was a good deal but, oh well!

muddassarsardar

i voted Cold as bp is around 5p more than the cheapest place around my … i voted Cold as bp is around 5p more than the cheapest place around my area for petrol and Diesel per litre and 15p more for lpg so its no Good



you have a point there. depends on the bp station. ours used to be 3p more than our esso but i have noticed that bp price is getting closer to esso recently.

i voted Cold as bp is around 5p more than the cheapest place around my area for petrol and Diesel per litre and 15p more for lpg so its no Good

Ah okay. Thanks for info!! We have this account anyway so hot from me....thanks OP
New Natwest Reward Accounts
-108°Expired
Found 13th Oct 2015Found 13th Oct 2015
Natwest launched new Reward current accounts yesterday, with the basic one costing just £3 a month and giving you: - 3% cashback on household bills paid by direct debit. - 1% on c… Read more

I don't really understand why people have to post they are staying with Santander as they have £20K in their current accounts, good for them but bank customers with £20K in a current account must be in the minority.

If you are already a NatWest customer it's a good deal as you are now getting money for doing nothing, if you aren't you need to just weigh up which current account is giving the best perks.

binda

Ok I will leave it in a black bag behind the tree at the top of the … Ok I will leave it in a black bag behind the tree at the top of the street in the town of the county which is part of the country of the world where i left it. OK.



Not ok:, because I do not know how much effort do I need to put to hunt the treasure. How much money inside ....

I wonder if anyone here in this HUKD does not have any concern about money. Is it not true, we are all here mainly for that reason and you have been in HUKD for sometimes now ....

I have a proposal donate it to HUKD so they could serve us better to facilitate finding a bargain...... Email the Mod about your intention. How does it sound .......

Edited by: "pantaiema" 14th Oct 2015

Not sure why this is cold. For people relying on cashback from 1|2|3 Current Accounts these are a no brainer.

pantaiema

Money not real ?? Give me your money then ,..



Ok I will leave it in a black bag behind the tree at the top of the street in the town of the county which is part of the country of the world where i left it. OK.

mutley1

i got this free from August until end of this year and so far i have had … i got this free from August until end of this year and so far i have had £28 of cashback paidmoney for nothing as i have a current account with them anyway :)i will probably pay the £3pm as i get more than this from the cashback


I'm getting about the same as you too, if you've already got a NatWest account its a no brainer
natwest offering 3% cash back on utilities paid from silver account via direct debit
77°Expired
Found 20th Jul 2015Found 20th Jul 2015
Natwest offering 3% cash back on all utility bills that you pay by direct debit until the end of the year. Seems that this offer has no limit. Most utility companies included and a… Read more
Get dealGet deal

I'm looking forward to earning abit of cash back from my bills this runs up until the 31st December.

If I've worked it out right and all the bills coming out this account are eligible I should get around £50 for this.

Some of the trade up offers are good I'm currently saving what I have already earned I'm thinking of doubling it all up for currys/pcworld vouchers.

Original Poster

Terms and conditions look up around 14 and it gives the information it's quite hidden

Where's the info on 3% cashback ? I am sure there is user error, but I can't find it.

Mikey91

I'm already signed up to cashback plus - is that the scheme?


yes, yu will get an email within the next few days, you don't have to do anything

Original Poster

northerngal77

I have a platinum acc same applies with that



That's great, looks like it's all accounts but the basic that can qualify
Natwest Cashback Plus - cashback on your regular spending
63°Expired
Found 19th Feb 2014Found 19th Feb 2014
Natwest Cashback Plus offers cashback on your regular spending; in order to earn this cashback, you need to 'activate' your card. At the moment, you will earn the following rates … Read more

DUNOEboutTENG

I wouldnt say it "sucks", I mean most people need to buy food and … I wouldnt say it "sucks", I mean most people need to buy food and fuel.Depends who you're with I guess.yeah fair comment i spose. my husband is with natwest and he never buys food (my job) or fuel (work car) so he's going to santander instead.I dont disagree Santander's is better overall however.

emma1487

Yeah i gotta agree, this offer sucks compared to santander!



I wouldnt say it "sucks", I mean most people need to buy food and fuel.
Depends who you're with I guess.

I dont disagree Santander's is better overall however.

The range of places for cashback is so niche - agree with the comment of Santander offering cashback on things almost everyone needs to pay

Its been going a while, frankly i cant understand how this can be cold when its totally free? If your already with NatWest you may as well use it,

Banned

I would assume this is a start for Natwest, they will move on from here after feedback & research. Looking forward to the future of this, signed up.
NATWEST PIGBY money bank
298°Expired
Found 13th Dec 2013Found 13th Dec 2013
Remeber the 80's woody and family pigs?? well they're back and revamped by the maker of wallace and gromit. FREE to new first saver account openers

rarebit21

Not really free as you have to open an account and put some money in!



It is free and it doesn't cost you anything? Opening the account is free and you can take the money out later

kunjoosewala

0.8% interest rate!!!!!!!!!!!!!!!!!!So £100 in the account for a whole … 0.8% interest rate!!!!!!!!!!!!!!!!!!So £100 in the account for a whole year earns a huge 80p WTF**** poor rate better do this one 3% at lloydstsbhttp://www.lloydsbank.com/savings/young-saver.aspStuff the bloody piggy bank



You'd make more out of selling piggy bank than the lloyds account

0.8% interest rate!!!!!!!!!!!!!!!!!!

So £100 in the account for a whole year earns a huge 80p WTF

**** poor rate better do this one 3% at lloydstsb

http://www.lloydsbank.com/savings/young-saver.asp

Stuff the bloody piggy bank

Would this really be free??after all banks are renowned for taking money

Deal?
Natwest credit card offer - 0% on purchases and 0% interest on balances transferred both for 15 months - (low 0.9% fee) - 16.9% APR ***** £25 cash back also! *****
92°Expired
Found 22nd Nov 2013Found 22nd Nov 2013
** £25 cash back link below - Thanks to jacques** Seems to be the best around if your current card is running out of interest free months. Just in time for Christmas. 0.9% fee fo… Read more

Great offer will definitely use over the Xmas. Thanks

Original Poster

It's really frustrating when people vote cold and don't mention a reason. Fair enough if you feel it's not a good deal but at least say why.

Random cold voters do my head in!

Original Poster

superfamiking

I went through quidco.......hopefully going to get £20 from there.


Didn't think about Quidco. I wonder if there is Topcashback. You can switch your payout for Tesco vouchers and then x 4!!

Starr

You're welcome.Hope you went for the cash back!



I went through quidco.......hopefully going to get £20 from there.

Original Poster

superfamiking

Thanks for the advice, like you suggested i will probably pay the £800 … Thanks for the advice, like you suggested i will probably pay the £800 off over the next 12 months so I went for the natwest one!thanks



You're welcome.

Hope you went for the cash back!
Dual: Breakdown Cover, Mobile Insurance, Worldwide Family Travel Insurance, TasteCard and National Trust with Natwest Select Platinum
-90°Expired
Found 15th Nov 2013Found 15th Nov 2013
Not sure if everyone is aware of this, you don't need to bank with Natwest or RBS to use these benefits. You can open a single or joint Select Platinum Account with Natwest or RBS … Read more
Get dealGet deal

Original Poster

liamf12

Nationwide cover up to 5 gadgets, european breakdown, worldwide travel … Nationwide cover up to 5 gadgets, european breakdown, worldwide travel insurance, 1 year extended warranty on purchase and identity theft cover for £10 per month.



Not sure about the mobile cover, It's not gadget insurance anymore only mobile, Natwest's is via Car Phone Warehouse, so you can get your new phone delivered or pick it up from store.

Breakdown is via Britannia Rescue vs Natwest Green Flag, which it better?

I think I will have you use this website: Link


Edited by: "dr_genestealer" 20th Nov 2013

Original Poster

BritishDragon

I've got a packaged account with Co-Op bank. IIRC it's £10 per month. I … I've got a packaged account with Co-Op bank. IIRC it's £10 per month. I got it for the phone & gadget insurance:It covers 4 phones - so that's 2 iphones, a galaxy note &Bberry covered (£50 excess iirc)& upto £1000 of gadgets - so that's 2 iPad 4th gens coveredWorldwide family travel insuranceWorth it for me I worked out



Sorry to say but co-op no longer offer this.

Original Poster

Thanks everyone for the feedback, I will look into the other banks for their benefits.

misleading - £16 A MONTH , not annually!

I've got a packaged account with Co-Op bank. IIRC it's £10 per month. I got it for the phone & gadget insurance:

It covers 4 phones - so that's 2 iphones, a galaxy note &Bberry covered (£50 excess iirc)

& upto £1000 of gadgets - so that's 2 iPad 4th gens covered

Worldwide family travel insurance

Worth it for me I worked out
YourPoints World MasterCard - NATWEST Reward Credit Card
-67°Expired
Found 8th Sep 2013Found 8th Sep 2013
Hi, for those of you struggling to get the other deal (Natwest Platinum Balance Transfer & Purchase Credit Card - 0% interest for 15 months on all balances transferred within 3… Read more

Banned

this is one of the only reward cards that is even close to reach for the younger generation hence why im applying on tuesday

I think my little ones have quite a different Xmas to your big ones.Always fancied Xmas in the sun though :-)

Thanks OP!

witters21

Wish I could but £10 with two kids that's pretty harsh.Can't be much … Wish I could but £10 with two kids that's pretty harsh.Can't be much joy..... f4536 in your house.



Wouldn't know, we spend Xmas away in the sun, the £10 just covers the Xmassy nominal presents. the kids get basically nowt.
If they want to leave home in anger we won't stand in their way!

Wish I could but £10 with two kids that's pretty harsh.Can't be much joy..... f4536 in your house.
Edited by: "witters21" 8th Sep 2013
Natwest Platinum Balance Transfer & Purchase Credit Card - 0% interest for 15 months on all balances transferred  within 3 months  (0.9% fee, min £5) 0% interest for 15 months on purchases
1235°Expired
Found 7th Sep 2013Found 7th Sep 2013
Platinum Balance Transfer & Purchase Credit Card From account opening get: 0% interest for 15 months on all balances transferred within 3 months (0.9% fee, min £5) 0% intere… Read more

can someone tell me what happens after you get the "do you want to do a balance transfer" page?
I said no to both then I clicked on a button and got the press close button or press x button.

did I click cancel? Im sure I would have clicked next or something

edit: applied for the 27 month bt card
Edited by: "gezza" 7th Oct 2013

delusion

I've never had a credit card before. Never been in debt other than an … I've never had a credit card before. Never been in debt other than an affordable mortgage. Earn a reasonable wage. Was offered £450 limit.. LOL. Didn't bother proceeding.



Counter-intuitive as this might sounds, taking out a CC and using it is good for building up your credit rating. Your lack of CC history is probably the reason for the low limit offered.

Just signed up.

Does anyone know if it's easy to set up a Direct Debit for the minimum payment ?

Also, I couldn't BT my American Express card.

Good offer.

hapless

My card arrived today. Pin arrived Saturday.You can transfer money into a … My card arrived today. Pin arrived Saturday.You can transfer money into a bank account, which is the same thing. This is charged at 16.95% pa with no introductory rate, and a 3% transfer fee.Just say no to cash advances



Better way to do this is simply to make all normal purchases that would have used your current account for using the 0% credit card instead. And instead of paying off the CC in full, you pay down your overdraft. Within a month or 2 you will effectively have transferred the overdraft to the CC. Just make sure you pay the minimum required for the CC every month.
Cashback with Natwest on Debit Card, extra 1% with Tesco
76°Expired
Found 3rd Sep 2013Found 3rd Sep 2013
Just got this on an email Introducing Cashback Plus, a new free benefit with your current account. It gives you at least 1% of your everyday spend back in Rewards, just for using … Read more

Thanks OP!

How long after the purchase do you have to wait for the casback?

alg

I don't understand -- why does this one end up as lukewarm, while the RBS … I don't understand -- why does this one end up as lukewarm, while the RBS offer (which is identical, aiui), is currently sitting at -98?



Because different people voted on both deals... Odds are that by tonight both will be similar.

Isn't this similar to the Santander Credit card cash back? The credit card cash back is in cash and is valid for all supermarkets not only tesco.

Still 1% is better than nothing if you use Natwest, now I just need to find myself £500 and get my £5 voucher

Not available on basic, step or cash accounts. The retailers you can earn cashback with with are - BP, Cineworld, H Samuel, Cafe Nero, Ernest Jones, Multiyork, Charles Tyrwitt, Loch Fyne, New Look, American Golf, feather & black and Hungry Horse.
Thanks for posting but I can't use this as I have a basic account.
Tastecard with student account at Natwest
-55°Expired
Found 20th Aug 2013Found 20th Aug 2013
Seems like you get a taste card for the duration of your course, usually about £80 a year. Btw this is my first post, sorry if anything is wrong.
Get dealGet deal

Anyone remember when a year sub was £3 on eBay. God bless ex Carphone warehouse employees

ace101

I don't think new customers get the railcard?

Ah right. Yeah I'm better of with my railcard every year.

Banned

Not bad for free. Got my Tastecard through an iSubscribe promotion (12 issues of Conde Nast for £18 inc' free Tastecard) a while back. Paid for the promotion (and therefore itself) the very first time I used it.

Unfortunately, now being single, I can no longer use it as I look like a tight ars* if I do!

DrAnonyman

What about existing customers?


I don't think new customers get the railcard?

What about existing customers?
Natwest & RBS 1% Cashback All Personal Customers
-44°Expired
Found 6th Aug 2013Found 6th Aug 2013
Hi everyone a heads up for Natwest & RBS customers as they are offering all personal customers 1% cashback on qualifying purchases starting 12AUG13. The links will not work unt… Read more

Original Poster

Its live now

Same as your points on the natwest card, but for debit cards.

Considering you get 1 point per pound, I'm not sure whether this is a good thing or not lol

You have 22,929 points

Original Poster

mtc1

That's not what Natwest say - 'CashbackPlus is an ‘invitation only’ rew … That's not what Natwest say - 'CashbackPlus is an ‘invitation only’ reward programme.'



Because it is not live yet, post clearly states 12aug13

Tucool4u

This is not invitational only, and yes private account only, exclusion is … This is not invitational only, and yes private account only, exclusion is basic accounts



That's not what Natwest say - 'CashbackPlus is an ‘invitation only’ reward programme.'

why is this in groceries ?
Free 4 year 16-25 Railcard @ Natwest with a student account
64°Expired
Found 15th Sep 2012Found 15th Sep 2012
Self explanitory really Sign up fr the student account this year, and get a free 4 year rail card :D

JohnR5319

My daughter opened a 'standard' account (had to in order to meet the … My daughter opened a 'standard' account (had to in order to meet the deadlines of the Uni financing arrangements, as the student accounts weren't available at that time - mid-Aug) then upgraded it a week or so later to a student account, when they were. Presumably that can still be done?

Good luck with that , worth a try as they have a student officer from a local branch to the university. My experience with them for the 30 years is that over the years they have "streamlined" their retail banking into a factory production process interfaced to a sales and target driven engine driving additional revenue. So I had difficulty with them as you can see in my other post to encourage them out of process (my son received an e-mail reminder to apply for a railcard before a deadline which he complied with by the day but the email was wrong as the official deadline was one week earlier.) Would they listen to reasoning, YES, but would they do act on it , NO, it was the official deadline and the email was wrong! I showed the student officer the e-mail too! But why have a deadline and a process which needs management, isn't the purpose of the sales and target driven engine is to attract a new future clients and make money from them in future in return for some reward in the shape of a rail card?!
Edited by: "splender" 15th Sep 2012

ebrianh45

I've had GOOD service from my NatWest university branch in Reading, and … I've had GOOD service from my NatWest university branch in Reading, and it is the QUICKEST at processing cheques (3 days)though I use it for little else.

you should know that 3 days is not the quickest. It is the slowest worse case! Read this. In fact the cheque payment was so slow that the EU stepped in a few years ago and the UK banks put in the Faster Payment System which means that money is transferred as quickly as minutes to no more than 4 hours in most cases between the major banks. The EU had stepped in again so in Jan 2012 many overseas payments are within one working day.

Natwest has this offer for students for many many years. The business purpose is clearly to bring future cutsomer in with an offer. However the management has imposed a deadline for this offer which makes no sense. After opening an account If deadline is missed by a few days you get no free railcard! If offer is on every year why not just simplify the process to save labour effort in managing annual deadlines and make its no deadline at all so that it is an ongoing offer until withdrawn. But are they a listening bank.. NO! They lost two customers: one gone to Barclays and one gone to Santander (not that they offer better customer service of course because they don't, don't have to or can't afford it - the clinch deal for Barclays was you can have named persons to administer your account but for information only without power of changing the account , clinch deal for Santander at the time was the Abbey Zero credit card which has since stopped from issue to new customers).
Edited by: "splender" 16th Sep 2012

I've had GOOD service from my NatWest university branch in Reading, and it is the QUICKEST at processing cheques (3 days)
though I use it for little else.

My daughter opened a 'standard' account (had to in order to meet the deadlines of the Uni financing arrangements, as the student accounts weren't available at that time - mid-Aug) then upgraded it a week or so later to a student account, when they were. Presumably that can still be done?