Very Worried Student! {Natwest}

radmuffin

I was interested in opening a student account with Natwest so, I phoned my local branch (in the west midlands). The lady I spoke to said I could fill out most of my application on the phone, and then she put me through to some representative in Leicester who took down all my details from name; address; previous banks I've been with (no bank details, though); phone number; and other things. He said I would get some paper work within the next week, which I should bring into my local branch.

There were also a lot of terms&conditions to accept, although I did not listen/understand most of them, but I accepted, anyway

I am very new to opening banks by myself, and my guardian said it was very strange that I had to enclose so much information over the phone.

I wanted to ask: is this normal? Sorry, if it sounds silly, I'm just so worried!

Freddie_85

If I remember correctly, my Natwest Student account came as a result of a long-winded terms and conditions speech too.

I could barely understand what the person was saying... something to the tune of "If you spend 1p more than the agreed overdraft amount, we'll be 'round to collect your soul."

I switched my account on the Natwest website before speaking to anyone though. Have you checked your account online? My regular current account changed it's name to STUDENT/GRADUATE when I clicked on the account details, this happened a few days after applying for the new account.

Hope this helps.

radmuffin

Freddie_85 wrote: »

If I remember correctly, my Natwest Student account came as a result of a long-winded terms and conditions speech too.

I could barely understand what the person was saying... something to the tune of "If you spend 1p more than the agreed overdraft amount, we'll be 'round to collect your soul."

I switched my account on the Natwest website before speaking to anyone though. Have you checked your account online? My regular current account changed it's name to STUDENT/GRADUATE when I clicked on the account details, this happened a few days after applying for the new account.

Hope this helps.

Thanks for the reply Well, I don't have an account with them yet. They said I'll get some paperwork within the next week, which I should fill out and bring into my nearest branch, and then everything will be completed.

But, at the end of the conversation, it just seemed like I had given out all my personal information to a random person on the phone. And was wondering whether these "application over the phone," are real? No fraud, or anything. Hopefully, I'm just being paranoid.

scottishblondie

Applications over the phone are perfectly real, yes, as long as you phoned the bank (i.e. it was a legit number) you have nothing to worry about.

Freddie_85

Oh yes, sorry I misread the first sentence.

I know how you feel, when ever I call up my credit card companies I freeze when the automated voice asks me to tap in every single detail. For me, banking over the phone feels very dodgy.

I must say Natwest made the application process very straight forward.

I applied for my 16-25 railcard via the Natwest website after I was sent the passcode. I uploaded my photo and received the card in a few days.