Child & Co RBS Branch to close

[Deleted User]

Child and Co branch still appears under the sort code when applying for an account, so it seems it is very much still accepting business. I just got a new card also for my current account.

The Drummond card still escapes me.

ForumUser7

[Deleted User] said:

Saver101101 said:

Hi, Quick Question how do you open the account online and choose the Childs branch ?, I have a RBS account and when I go to open another account it just allocates the new account to the same branch sort code ?.

@Saver101101
 You need to use the old link:

https://www.cao.rbos.com/cao/external/rbs/launchChannelHandler.do?PF=CAC&PI=ZJ&BRD=RBS&CID=INT&CS=N&devicemode=null&subbrand=responsive_rbs_personal&CCF=Y

Be quick!

Has anyone successfully used this link recently, and got a child’s and co branded debit card etc. without having the so called ‘application verification unit’ close all their group accounts please? Thank you

[Deleted User]

Not brave enough to try!

[Deleted User]

ForumUser7 said:

Has anyone successfully used this link recently, and got a child’s and co branded debit card etc. without having the so called ‘application verification unit’ close all their group accounts please? Thank you

Has that happened to you, or someone you know recently (or at all)? 

ForumUser7

ndrw said:

ForumUser7 said:

Has anyone successfully used this link recently, and got a child’s and co branded debit card etc. without having the so called ‘application verification unit’ close all their group accounts please? Thank you

Has that happened to you, or someone you know recently (or at all)? 

Not happened to me or anyone I know, just I’ll soon be 18 and therefore select eligible. I was looking through this forum thread about getting the childs and co card and saw a bit about how someone apparently had all of their NatWest group accounts closed by the ‘application verification unit’ after using the old application link. I’m just trying to gauge if this is actually likely, as if it is, I of course won’t use the link. With just one report, it’s highly possible other factors were at play

[Deleted User]

Well, there certainly are reports of people being called and questioned. There’s always a chance that something will flag, and the old form might certainly be a line of enquiry. 

That said many others have done it without such issues. 

If you’re new with a thin credit file I’d wager there is a higher likelihood of any applications being looked closer but whether that’ll be an issue nobody can say. 

Whether it’s a risk worth taking for a bog standard RBS account with slightly fancy stationery (that likely nobody else will see/know) is a decision you have to make. 

[Deleted User]

My friend was going to make
an application and doesn’t have any RBS accounts. If she does I will post an update with the outcome. 

WillPS

ForumUser7 said:

Deleted_User said:

Saver101101 said:

Hi, Quick Question how do you open the account online and choose the Childs branch ?, I have a RBS account and when I go to open another account it just allocates the new account to the same branch sort code ?.

@Saver101101
 You need to use the old link:

https://www.cao.rbos.com/cao/external/rbs/launchChannelHandler.do?PF=CAC&PI=ZJ&BRD=RBS&CID=INT&CS=N&devicemode=null&subbrand=responsive_rbs_personal&CCF=Y

Be quick!

Has anyone successfully used this link recently, and got a child’s and co branded debit card etc. without having the so called ‘application verification unit’ close all their group accounts please? Thank you

Not for Childs, but I did this for Drummonds last month. If Child's is there, I'm pretty sure you'll get Child's stationary (unless you're only deemed worth of an 'online only' debit card).

Don't lie on your application form would be my protip for not getting investigated. If you don't lie, you've nothing to worry about. Using an official form, available on the internet, is not in any way naughty.

ForumUser7

WillPS said:

ForumUser7 said:

[Deleted User] said:

Saver101101 said:

Hi, Quick Question how do you open the account online and choose the Childs branch ?, I have a RBS account and when I go to open another account it just allocates the new account to the same branch sort code ?.

@Saver101101
 You need to use the old link:

https://www.cao.rbos.com/cao/external/rbs/launchChannelHandler.do?PF=CAC&PI=ZJ&BRD=RBS&CID=INT&CS=N&devicemode=null&subbrand=responsive_rbs_personal&CCF=Y

Be quick!

Has anyone successfully used this link recently, and got a child’s and co branded debit card etc. without having the so called ‘application verification unit’ close all their group accounts please? Thank you

Not for Child's, but I did this for Drummonds last month.

Don't lie on your application form would be my protip for not getting investigated.

@strictgold5208 - thank you! I am currently an RBS customer (Digital RS and Revolve), hence why I’d prefer to avoid them closing my accounts! 😂

@WillPS - I’m not going to lie on it, not worth it at all and CIFAS markers sound like a nightmare. When you applied for Drummond’s, did you get the Drummond’s branded card, or just the RBS premier beach hut please?

From what I’ve read on here it seems new Child’s customers get Child’s cards, but new Drummond’s customers get RBS premier cards

15-80-00 - Child’s
16-00-38 - Drummond’s

*EDIT - just seen your edits - what would the online only debit card be please? Never come across one of those before. My favourite colour is navy blue, so chase and child’s will be must gets for me.

WillPS

ForumUser7 said:

WillPS said:

ForumUser7 said:

[Deleted User] said:

Saver101101 said:

Hi, Quick Question how do you open the account online and choose the Childs branch ?, I have a RBS account and when I go to open another account it just allocates the new account to the same branch sort code ?.

@Saver101101
 You need to use the old link:

https://www.cao.rbos.com/cao/external/rbs/launchChannelHandler.do?PF=CAC&PI=ZJ&BRD=RBS&CID=INT&CS=N&devicemode=null&subbrand=responsive_rbs_personal&CCF=Y

Be quick!

Has anyone successfully used this link recently, and got a child’s and co branded debit card etc. without having the so called ‘application verification unit’ close all their group accounts please? Thank you

Not for Child's, but I did this for Drummonds last month.

Don't lie on your application form would be my protip for not getting investigated.

@strictgold5208 - thank you! I am currently an RBS customer (Digital RS and Revolve), hence why I’d prefer to avoid them closing my accounts! 😂

@WillPS - I’m not going to lie on it, not worth it at all and CIFAS markers sound like a nightmare. When you applied for Drummond’s, did you get the Drummond’s branded card, or just the RBS premier beach hut please?

From what I’ve read on here it seems new Child’s customers get Child’s cards, but new Drummond’s customers get RBS premier cards

15-80-00 - Child’s
16-00-38 - Drummond’s

*EDIT - just seen your edits - what would the online only debit card be please? Never come across one of those before. My favourite colour is navy blue, so chase and child’s will be must gets for me.

Why would you end up with CIFAS markers? Which category would "attempted to open a bank account using a form we left available on the internet with legitimate details" fall under?

In the past, the only customers who haven't received Child's branded cards have been those who scored lower (on RBS' internal credit scoring, not any made up credit score from Experian or whatnot), who would receive an 'online only' RBS debit card. I don't know if these are a thing any more, it's been years since I've known of somebody not getting a Child's card - every recent example I can recall has resulted in a Child's card being issued.

On the contrary - hardly anyone used to receive a Drummond's branded card on 16-00-38, however it seems since the switch to Mastercard something has changed and now (it seems) you will receive a Drummond's branded Mastercard.

The only way to receive an RBS Premier card is to be eligible for RBS Premier.

YMMV of curse.

'Online Only' means the debit card can only be authorised with an online connection. 'Online and offline' means the debit card can be used in situations where no online connection is possible - these use cases are extremely limited nowadays, on board trains and planes used to be the example given but in the case of trains I believe even these are all online now.