natwest step to basic account/ first reserve question

knewbold

Hi
i had a natwest step account

this changed to a basic account and i couldnt get cash out anywhere


i was going to upgrade to the silver so i could use travel insurance, but i dont actually need it, as i already have it

ive applied and got a first reserve account....about 5 min ago


can i use the card anywhere, and has anyone tried this

skintdad

my 1st reserve card works in any link atm. it doesnt work at pay at pump petrol stations etc as it needs a live authorisation for card payments to go through. i used this account as a current acc when i got a ccj and my bank closed my accounts. had wages paid in and dd's and so's go out without a problem although it says in terms and conditions that this acc doesnt allow them

skintdad

about 3 years later (2008) when ccj was satisfied natwest accepted me for a normal current account with cheque book and blue visa debit card

knewbold

thanks

sounds perfect to be honest, i just need something to get cash out in a hurry,

also hoping i can use it abroad - but thats less of a problem, as i can work around that

guesswho2000

It's quite a weird account, as it's actually a savings account which acts almost like a current account. I've got one, and the debit card was replaced from a solo to blue Visa Debit a while ago, still works everywhere.

That said, I rarely use it as I have 2x Current Plus accounts with offline auth purple Visa Debit cards, which work worldwide in every ATM and on planes/trains/pay @ pump, couldn't you apply for one of these instead? (They're the Select account now, but essentially the same from what I've read).

knewbold

i got turned down for the "free account" some time ago, I have no idea what a select account is - so its time to head to google!

jalexa

knewbold wrote: »

this changed to a basic account and i couldnt get cash out anywhere

Anywhere? You can get cash out at Natwest, RBS and Tesco ATMs, at Post Offices (use them or lose them), or by cashback.

knewbold

i meant locally,

the local supermarket (co-op) doesnt even register the card, which makes cashback impossible

its not caused any problems recently, but it has the potential too...hense the savings account

jalexa

knewbold wrote: »

the local supermarket (co-op) doesnt even register the card,

That might be a co-op fault (link down or terminal not updated?). Did you try on more than one occasion?

knewbold

yep i sure did - i cant remember the HHT response - but it was short, and it was before i could put the pin in

as though the card type wasnt allowed.

jalexa

knewbold wrote: »

yep i sure did - i cant remember the HHT response - but it was short, and it was before i could put the pin in

as though the card type wasnt allowed.

I think that Natwest/RBS has behaved in a very petty (and discriminatory) way but although I appreciate it is leaving you without local access to cash, I don't think it should be judged on poor update process affecting one (or more) Co-operative stores. Can't say I'm surprised.