Natwest step account closing

stclair

Hank_Marvin wrote: »

cheers jen. What do this AVU mean as i see it's getting mentioned in this thread??

Application Verification Unit.

They dig deeper into your credit history etc.

cap102x

stclair wrote: »

The card will be programmed to use said machines

Sorry to be thick - but which said machines? The bank says I have a Select Silver Acc. Thereforfe, I think I should be able to withdraw from any ATM. However, Jen and others beleive that I am infact being offered a basic account with added benefits and not a Select account. Does this mean that I still will only be able to withdraw cash from NW/RBS ATM's?

Anyone?

stclair

cap102x wrote: »

Sorry to be thick - but which said machines? The bank says I have a Select Silver Acc. Thereforfe, I think I should be able to withdraw from any ATM. However, Jen and others beleive that I am infact being offered a basic account with added benefits and not a Select account. Does this mean that I still will only be able to withdraw cash from NW/RBS ATM's?

Anyone?

If you have a select account you can use any ATM.

Its only the basic accounts which will be restricted.

jen245

cap102x wrote: »

Sorry to be thick - but which said machines? The bank says I have a Select Silver Acc. Thereforfe, I think I should be able to withdraw from any ATM. However, Jen and others beleive that I am infact being offered a basic account with added benefits and not a Select account. Does this mean that I still will only be able to withdraw cash from NW/RBS ATM's?

Anyone?

No I think you misunderstood what I meant. You currently have a Step account yes? Then you still have the facility to use all atms, and with the upgrade to Select Silver, that wont change, you will still be able to use all ATMS. What I was saying, is that with the credit restricted version of the Select Silver, is that it is basically like your Step account, as you cant have overdrafts etc on it. Its not the Basic which is restricted.

cap102x

stclair wrote: »

If you have a select account you can use any ATM.

Its only the basic accounts which will be restricted.

Many thanks but I remain unconvinced. Why am i able to get a Select Silver acc and not not qualify for a Silver. I have to say I believe Jen - I think I have a Select account in name only. In reality I'm still a Basic acc holder.

cap102x

jen245 wrote: »

No I think you misunderstood what I meant. You currently have a Step account yes? Then you still have the facility to use all atms, and with the upgrade to Select Silver, that wont change, you will still be able to use all ATMS. What I was saying, is that with the credit restricted version of the Select Silver, is that it is basically like your Step account, as you cant have overdrafts etc on it. Its not the Basic which is restricted.

Oh sorry - thanks Jen. Please ignore previous post. Am happy once more. C x :j

jalexa

cap102x wrote: »

...The bank says I have a Select Silver Acc. Thereforfe, I think I should be able to withdraw from any ATM. However, Jen and others beleive that I am infact being offered a basic account with added benefits and not a Select account. Does this mean that I still will only be able to withdraw cash from NW/RBS ATM's?

Anyone?

My understanding is that the basic so-called "Select Silver" Visa debit card allows Link ATM access, but according to posts here (but not any Natwest/RBS point of sale or online product information) the card you will receive will NOT work "on train" or at Pay@Pump. For that functionality you need the "purple" Visa debit card.

Be warned.

cap102x

jalexa wrote: »

My understanding is that the basic so-called "Select Silver" Visa debit card allows Link ATM access, but according to posts here (but not any Natwest/RBS point of sale or online product information) the card you will receive will NOT work "on train" or at Pay@Pump. For that functionality you need the "purple" Visa Debit.

Be warned.

For crying out loud... It's not very straight forward is it?

jen245

The card is the same as what you have at the moment, the blue one, so dont worry

stclair

cap102x wrote: »

Many thanks but I remain unconvinced. Why am i able to get a Select Silver acc and not not qualify for a Silver. I have to say I believe Jen - I think I have a Select account in name only. In reality I'm still a Basic acc holder.

I dont work in a branch im sorry to say. I can only give you information on my own personal understanding. If I was you or anyone else in this thread affected by such changes maybe consider moving to Barclays they offer a great basic bank account.