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  • FIRST POST
    • Sconeyj
    • By Sconeyj 10th Jan 18, 1:56 PM
    • 7Posts
    • 45Thanks
    Sconeyj
    NatWest 125 switch incentive
    • #1
    • 10th Jan 18, 1:56 PM
    NatWest 125 switch incentive 10th Jan 18 at 1:56 PM
    Just as I thought I'd exhausted every bank...up pops NatWest with a switch offer! 125 for switching, and no direct debits required. All you need to do is:
    • switch a non-NatWest account
    • deposit 1,500
    • log into online or mobile banking
    All before 16 March (although you need to apply for the account by 16 February).


    Happy days!
Page 54
    • soulsaver
    • By soulsaver 8th Feb 18, 11:59 AM
    • 1,590 Posts
    • 594 Thanks
    soulsaver
    Have i made a error then by doing a partial switch. if i have is there no way to correct this
    Originally posted by roxy28
    Check the T&Cs and do a full switch now if it will qualify within time deadline.

    https://beta.natwest.com/content/dam/natwest/personal/current-accounts/documents/Switching_Offer_Terms_2018.pdf
    Last edited by soulsaver; 08-02-2018 at 12:01 PM. Reason: added link
    • SpiraliS
    • By SpiraliS 8th Feb 18, 12:02 PM
    • 10 Posts
    • 7 Thanks
    SpiraliS
    Been with Natwest since 1986 (National Westminster Bank back then)

    Set up another free current account with Santander and immediately switched it over into my existing Natwest current account... I already meet the 1,500 pay-in threshold so should be the easiest 125 I'll ever earn

    Not had a bad experience with Natwest really and their banking app is excellent.
    Feb 2018 diary:
    Debt: 13,169.83 (all on 0% CC til Sept 2018, repaying 333 a month)
    Mortgage: 193,535.06 (on Repayment, 5-yr fix @ 2.39%)

    Savings: 8,600 in various accounts all @ 5% interest (drops to 1% in March, after which will use total to pay off some of 0% CC)
    • 18cc
    • By 18cc 8th Feb 18, 12:18 PM
    • 244 Posts
    • 148 Thanks
    18cc
    Just got an email purporting to be from Natwest about the fact they are going to add two Factor authentication to internet banking logon details

    no idea if it is really from NatWest or if it is a phishing attempt anyway just a warning

    if anybody has some definitive information would like to know don't click on anything in the email
    • Gazza9999
    • By Gazza9999 8th Feb 18, 12:22 PM
    • 17 Posts
    • 6 Thanks
    Gazza9999
    Just got an email purporting to be from Natwest about the fact they are going to add two Factor authentication to internet banking logon details

    no idea if it is really from NatWest or if it is a phishing attempt anyway just a warning

    if anybody has some definitive information would like to know don't click on anything in the email
    Originally posted by 18cc
    Ring Natwest and ask. I would not click anything.
    • wallofbeans
    • By wallofbeans 8th Feb 18, 1:34 PM
    • 797 Posts
    • 29 Thanks
    wallofbeans
    This switch is hard work...

    Applied on Sunday, it didn't work - i got to the last page and shown an error message, tried again and same thing happened.

    Tried again on Monday (using a different browser - Safari and not Chrome) and it worked.

    And then got an email asking me to confirm ID with 'digidocs' - I checked this was legitimate and then logged in and found three pending applications...

    I uploaded scan of driving licence, exactly as requested, to the first of the three.

    The next day I got an email saying it wasn't good enough and could I upload different ID. I logged back in with a scan of my passport.

    Then I got an email saying that didn't work. So I called them.

    They couldn't see any uploads their end. But they could also only see one application. I asked which one. They didn't know, said try the third. I uploaded my driving licence images again and they said they could see them. Great. Sorted.

    But then today I get the email again, saying the ID wasn't good enough. But no sense of why... I've again, uploaded my passport as well. And am waiting to see what happens next.

    I thought this would be easy... But I'm guessing I'll have to call them again and they won't have any idea what is going on. I'll then have to go do it in a branch. I wish I'd just done that in the first place. Not happy with NatWest at all.

    Anyone else have these kind of issues? And can you offer any insight?

    Thanks.
    Last edited by wallofbeans; 08-02-2018 at 1:37 PM.
    • ValiantSon
    • By ValiantSon 8th Feb 18, 1:57 PM
    • 783 Posts
    • 643 Thanks
    ValiantSon
    This switch is hard work...

    Applied on Sunday, it didn't work - i got to the last page and shown an error message, tried again and same thing happened.

    Tried again on Monday (using a different browser - Safari and not Chrome) and it worked.

    And then got an email asking me to confirm ID with 'digidocs' - I checked this was legitimate and then logged in and found three pending applications...

    I uploaded scan of driving licence, exactly as requested, to the first of the three.

    The next day I got an email saying it wasn't good enough and could I upload different ID. I logged back in with a scan of my passport.

    Then I got an email saying that didn't work. So I called them.

    They couldn't see any uploads their end. But they could also only see one application. I asked which one. They didn't know, said try the third. I uploaded my driving licence images again and they said they could see them. Great. Sorted.

    But then today I get the email again, saying the ID wasn't good enough. But no sense of why... I've again, uploaded my passport as well. And am waiting to see what happens next.

    I thought this would be easy... But I'm guessing I'll have to call them again and they won't have any idea what is going on. I'll then have to go do it in a branch. I wish I'd just done that in the first place. Not happy with NatWest at all.

    Anyone else have these kind of issues? And can you offer any insight?

    Thanks.
    Originally posted by wallofbeans
    Your problem is that they won't accept scans. They don't tell anyone this unless you phone and complain. There is no logic to the refusal, but those are their arbitrary rules.

    To be honest, nothing makes sense about NatWest and their systems and procedures.

    You need to take a photograph of your ID with a camera.

    It's worth noting that they have told me that they don't really want to see my ID, they just want to scan my signature from it. Don't even get me started on how ridiculous this is, especially when they insist on you sending a picture of the back of your licence too! Why FFS? They've also told me that they will just scan my signature from the form they posted to me for return.

    NatWest are a shambles. When (if) it arrives, take your 125 and apply for the next switch.
    • wallofbeans
    • By wallofbeans 8th Feb 18, 2:00 PM
    • 797 Posts
    • 29 Thanks
    wallofbeans
    Your problem is that they won't accept scans. They don't tell anyone this unless you phone and complain. There is no logic to the refusal, but those are their arbitrary rules.

    To be honest, nothing makes sense about NatWest and their systems and procedures.

    You need to take a photograph of your ID with a camera.

    It's worth noting that they have told me that they don't really want to see my ID, they just want to scan my signature from it. Don't even get me started on how ridiculous this is, especially when they insist on you sending a picture of the back of your licence too! Why FFS? They've also told me that they will just scan my signature from the form they posted to me for return.

    NatWest are a shambles. When (if) it arrives, take your 125 and apply for the next switch.
    Originally posted by ValiantSon
    Ah. So it's the fact that it's a scan that is the issue? Why don't they just say this? I thought I was being more helpful by scanning it. And the example image they give is clearly not a photo. A scan is much better than a photo though so I'm baffled by this...
    • 18cc
    • By 18cc 8th Feb 18, 2:08 PM
    • 244 Posts
    • 148 Thanks
    18cc
    If it's a .jpg file how on earth could they tell if it's been taken by a scanner or a camera?
    • badger09
    • By badger09 8th Feb 18, 3:39 PM
    • 5,896 Posts
    • 5,232 Thanks
    badger09
    I have applied now and have been accepted, i am moving any money out of my switching account in readiness, but my account will not let me move out the last 1.04 of my balance?
    Will this have any effect on the switch as natwest will not be moving any money across (my choice).

    I do not have any charges owing on my switching account, very strange.
    Originally posted by roxy28
    .

    Yes thats the same as me but with choosing to move or settle the balance myself it may be classed as a partial switch according to a post just above by kim_13.

    No dd or so and only had the application accepted this afternoon, and only 1+ left in the account.
    Originally posted by roxy28
    Am I reading this properly?

    You've tried to empty your 'switch' account completely

    Your 'switch' account has no DDs or SOs set up on it

    FFS roxy28, what exactly were you expecting NatWest to switch?
    • tomthered
    • By tomthered 8th Feb 18, 3:41 PM
    • 211 Posts
    • 55 Thanks
    tomthered
    Well managed to switch my Flex account from Nationwide and received the card details very quickly. As I already have a new joint account with them this might have helped. Went online with the other account details and this is there waiting. Havent got a pin but it might allow me to transfer money out with same details, who know. Anyway all up and running now and had a switch letter so 125 her I come.
    • tempus_fugit
    • By tempus_fugit 8th Feb 18, 4:16 PM
    • 393 Posts
    • 354 Thanks
    tempus_fugit
    Definitely won't be using this bank for anything much at all after this.

    The card reader finally arrived today. However, getting it enabled is another thing entirely. This is not working because:

    1. I cannot get logged in on Chrome. I just get a page saying "site cannot be reached".
    2. So I switch to Safari, and this time I get a log in screen. I log in and enter the required digits from the passcode and password. All fine and dandy. However, then it tells me something about Williams and Glynn not going ahead so I have to log in AGAIN on another screen. It might have told me that before I logged in.
    3. Finally get logged in, go to the "enable card reader" page and do the necessary. The last step is to enter the code produced by the card reader and click "Confirm". But when I click it nothing happens at all.

    Now going to try it on Firefox but I am running out of browsers!
    Retired at age 56 after having "light bulb moment" due to reading MSE and its forums. Have been converted to the "budget to zero" concept and use YNAB for all monthly budgeting and long term goals.
    • schiff
    • By schiff 8th Feb 18, 4:50 PM
    • 17,838 Posts
    • 9,187 Thanks
    schiff
    Tempus really is fugitting!
    • stehouk
    • By stehouk 8th Feb 18, 4:54 PM
    • 19 Posts
    • 8 Thanks
    stehouk
    i applied for the select account yesterday (wednesday), appoved online in minutes, downloaded the app today (thursday), got the activation code by text, activated account, deposited 1500 all done and dusted in 2 days,
    Last edited by stehouk; 08-02-2018 at 4:58 PM.
    • roxy28
    • By roxy28 8th Feb 18, 5:48 PM
    • 654 Posts
    • 59 Thanks
    roxy28
    Am I reading this properly?

    You've tried to empty your 'switch' account completely

    Your 'switch' account has no DDs or SOs set up on it

    FFS roxy28, what exactly were you expecting NatWest to switch?
    Originally posted by badger09
    Not so sure everyone who switches has dd or so's setup, some say they are using old accounts hardly used in these bank witches.
    • bioboybill
    • By bioboybill 8th Feb 18, 6:21 PM
    • 2,968 Posts
    • 1,337 Thanks
    bioboybill
    My account had no direct debits or SOs. It had 63p in and I got text and email today saying switch complete and my 63p is there.
    • YorkshireBoy
    • By YorkshireBoy 8th Feb 18, 6:31 PM
    • 29,902 Posts
    • 17,777 Thanks
    YorkshireBoy
    Not so sure everyone who switches has dd or so's setup, some say they are using old accounts hardly used in these bank witches.
    Originally posted by roxy28
    You're not comparing like for like. They're switching 'something'. You are not! My father has no standing orders on his current account, and only one direct debit. But, crucially he has a c.3K balance. He would appear to NatWest to be a genuine switcher. You are not*.

    I did wonder (based on your other post asking whether they stored your passport/signature or destroyed it after checking it) if there was an element of paranoia to your decision to also extract every last penny before initiating the switch? Is there? What other reasonable excuse could there be?


    * Here's a scenario for you...you switch nothing, credit 1,500, withdraw 1,500, sit back for 8 weeks, and then there's a genuine oversight on their part (lets say a computer glitch) and your 125 isn't paid by 13th April. You ring up asking where it is. That would be an awkward conversation wouldn't it?
    • ValiantSon
    • By ValiantSon 8th Feb 18, 7:58 PM
    • 783 Posts
    • 643 Thanks
    ValiantSon
    Ah. So it's the fact that it's a scan that is the issue? Why don't they just say this? I thought I was being more helpful by scanning it. And the example image they give is clearly not a photo. A scan is much better than a photo though so I'm baffled by this...
    Originally posted by wallofbeans
    Yes a scan is better quality. I pointed this out to them and they said that they couldn't always see the details on a scan. I questioned this and pointed out that the scan I had sent them was razor sharp. They had no response. Clearly some idiot has come up with this rule.

    If it's a .jpg file how on earth could they tell if it's been taken by a scanner or a camera?
    Originally posted by 18cc
    You'd think that, but they can tell from the border around the document.
    • Hazzanet
    • By Hazzanet 8th Feb 18, 8:11 PM
    • 1,631 Posts
    • 914 Thanks
    Hazzanet
    They accepted a scan from me...
    4358
    • ValiantSon
    • By ValiantSon 8th Feb 18, 8:18 PM
    • 783 Posts
    • 643 Thanks
    ValiantSon
    They accepted a scan from me...
    Originally posted by Hazzanet
    I'm not surprised. They are so chaotic in every other aspect of the account switching, why should this rule be any more rigidly applied?

    Glad to hear you haven't had problems.
    • Katiehound
    • By Katiehound 8th Feb 18, 8:32 PM
    • 4,261 Posts
    • 38,585 Thanks
    Katiehound
    Not so sure everyone who switches has dd or so's setup, some say they are using old accounts hardly used in these bank witches.
    Originally posted by roxy28
    I like it bank witches!- yes, I realise it is a typo, but some of the banks do cast their evil charms over us!

    I might not be switching DDs but I am switching a SO and a balance of around 500.
    When I am switching I 'groom' that account so that it looks reasonable and has some activity and a balance.... after all I want that nice little welcome handshake.....
    Being polite and pleasant doesn't cost anything!
    If you found my posting helpful please hit the "Thanks" button!
    Many thanks

    2018 Wombling : Entrant 8 ...840MM (84p) + RK 7p= 91pence
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