Child & Co RBS Branch to close

WillPS

[Deleted User] said:

WillPS said:

[Deleted User] said:

WillPS said:

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.

I’m afraid the Drummond has nothing to do with the Mastercard switch. I received a standard rbs card since the switch, but have always received child cards at child and Co. I was thinking of applying for a second Drummond account but decided against it.

Perhaps that wasn't the cause but I signed up in December and got the Drummond's card, as did someone else I know of, off the back of reading reports of them being issued. I didn't believe it was happening at first and almost did it to prove I wouldn't get it, yet I did...

When did you sign up? The Drummond's Mastercard wasn't available until late Summer '22 I don't think...

July or August. Dare I apply again! I doubt ordering a new card would work?

Honestly don't know. It'd be interesting to discover.

[Deleted User]

WillPS said:

[Deleted User] said:

WillPS said:

[Deleted User] said:

WillPS said:

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.

I’m afraid the Drummond has nothing to do with the Mastercard switch. I received a standard rbs card since the switch, but have always received child cards at child and Co. I was thinking of applying for a second Drummond account but decided against it.

Perhaps that wasn't the cause but I signed up in December and got the Drummond's card, as did someone else I know of, off the back of reading reports of them being issued. I didn't believe it was happening at first and almost did it to prove I wouldn't get it, yet I did...

When did you sign up? The Drummond's Mastercard wasn't available until late Summer '22 I don't think...

July or August. Dare I apply again! I doubt ordering a new card would work?

Honestly don't know. It'd be interesting to discover.

I have ordered a new card, I will report back soon. Highly unlikely it will work but worth a try! 

ForumUser7

[Deleted User] said:

Great to see they are keeping the brand going.

For Drummonds, I applied for an account post Child closure and received the hut card. Standard RBS.

@willps re hut card 22nd Oct

ForumUser7

WillPS said:

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.

That's a good point - I think I just got irrationally concerned when I saw about the group accounts potentially being closed, but even that now seems unlikely - I would just argue the point that they left the form available and I did nothing wrong.

I've never had a credit product from RBS, or anywhere in fact. I only really use the Digital Regular Saver product. Perhaps I should start using my Revolve current account a little more to show I can spend, but still top up, idk. I guess the main thing that would negatively affect RBS' internal score would be an RBS default, large overdraft, missed payment etc - none of which I have.

The Drummond's card looks worse than the Child's card imo, so I might give that a miss - unless I fail to secure a Child's card. It still is the nice Navy Blue colour, but it's a shame they had to put a big RBS logo on the front.

I think I'd misremembered the RBS Premier Card bit, seems it may have just been the standard beach hut.

Ah right - I've got a few different current accounts with different providers and all my cards are online and offline - hopefully RBS see fit to give me that for Child's too

ForumUser7

[Deleted User] said:

Ordering a new card might work if that’s the default now. Otherwise applying again might work, and if your last account was at Drummonds you wouldn’t need to use the form since your home branch is now Drummonds. 

I think I’m the person @WillPS knows of who got the Drummonds card in December. That said I believe online vs offline cards are still a thing. I vaguely recall someone getting a beach hut. 

I have a standard RBS sort code as my current account and savings account sort code. If I applied for the Select account through the old form, should it give me the Child's sort code please? I.e. is the difference between old and new that the old allows you to choose your own sort code? Thanks

[Deleted User]

ForumUser7 said:

[Deleted User] said:

Great to see they are keeping the brand going.

For Drummonds, I applied for an account post Child closure and received the hut card. Standard RBS.

@willps re hut card 22nd Oct

Please explain?

ForumUser7

Deleted_User said:

ForumUser7 said:

Deleted_User said:

Great to see they are keeping the brand going.

For Drummonds, I applied for an account post Child closure and received the hut card. Standard RBS.

@willps re hut card 22nd Oct

Please explain?

I meant to tag @[Deleted User], in the post at 9:35 they mention vaguely recalling someone getting a beach hut card - it was you they were referring to I think

WillPS

ForumUser7 said:

ndrw said:

Ordering a new card might work if that’s the default now. Otherwise applying again might work, and if your last account was at Drummonds you wouldn’t need to use the form since your home branch is now Drummonds. 

I think I’m the person @WillPS knows of who got the Drummonds card in December. That said I believe online vs offline cards are still a thing. I vaguely recall someone getting a beach hut. 

I have a standard RBS sort code as my current account and savings account sort code. If I applied for the Select account through the old form, should it give me the Child's sort code please? I.e. is the difference between old and new that the old allows you to choose your own sort code? Thanks

If you use the standard application form as an existing customer you are normally (but not always!) not given a choice about branch, and thus your sort code is the same as the last account you opened (regardless of whether that branch is open physically).

If you use the old/'rbos' form, you are always given a choice. Whether or not Child's still shows on there I do not know; 15-80-00 is the sort code you want.

ForumUser7

WillPS said:

If you use the standard application form as an existing customer you are normally (but not always!) not given a choice about branch, and thus your sort code is the same as the last account you opened (regardless of whether that branch is open physically).

If you use the old/'rbos' form, you are always given a choice. Whether or not Child's still shows on there I do not know; 15-80-00 is the sort code you want.

Thank you - I’ll make sure to use that form then.

You mentioned RBS uses an internal credit score - does this mean they are unlikely to carry out a hard search unless I apply for an arranged overdraft please? Just want to make sure I won’t tank my credit score!

Thanks

WillPS

ForumUser7 said:

WillPS said:

If you use the standard application form as an existing customer you are normally (but not always!) not given a choice about branch, and thus your sort code is the same as the last account you opened (regardless of whether that branch is open physically).

If you use the old/'rbos' form, you are always given a choice. Whether or not Child's still shows on there I do not know; 15-80-00 is the sort code you want.

Thank you - I’ll make sure to use that form then.

You mentioned RBS uses an internal credit score - does this mean they are unlikely to carry out a hard search unless I apply for an arranged overdraft please? Just want to make sure I won’t tank my credit score!

Thanks

You submit to a full hard search as part of the application, I can see one in December for my Drummond's application on my Equifax report.

RBS will likely use the data they collect from that search as well as any data they already hold for you to generate some kind of internal score which informs whether or not to allow or decline the application, as well as some other parameters (random example which RBS may or may not actually do - encourage you to apply for an overdraft). 

You don't have "a credit score" so you don't need to worry about "tanking it".