Child & Co RBS Branch to close

WillPS

gary1312 said:

WillPS said:

gary1312 said:

WillPS said:

I was similar, except I switched away my existing RBS Reward account and converted my Select in to a Reward. Then I opened another select (just via the app, no peculiar old form needed now as my default sort code was now 15-80-00 rather than the Greenock one I had before), added my fiancée to that and then turned that in to a Reward too. Finally my fiancée opened a Reward account in her own name (again just via the normal app route). Easy net £9/month between us.

Good tip, which I may well follow. I live in Liverpool so haven't even had a local branch for a few months. So I have a Reward account at Liverpool and (hopefully) a Child account - would my assigned sort code (not sure if that's even a term) automatically default to the Child one upon closure of the Reward?

It'll probably already do that, it defaults to the last opened account. Open a savings account and see which sort code they give you if you're not sure (after your new Select account is open).

Actually when my fiancée opened her account she was asked if she'd prefer her current branch (which was misformatted as "Child & Co, , , SW1A") or choose another - I've never seen that option before or since tho, perhaps a peculiarity of her only Current Account being a joint she was added to.

And were all your cards/chequebooks for your subsequent accounts Child branded, despite not using the odd form?

Yep. Statements for the savings accounts too. There's no override other than sort code, if your sort code is 15-80-00 (and you are eligible for an 'online and offline' debit card, maybe) then your debit card will be Child & Co branded. Appears to be the same story with Drummonds now too.

gary1312

WillPS said:

gary1312 said:

WillPS said:

gary1312 said:

WillPS said:

I was similar, except I switched away my existing RBS Reward account and converted my Select in to a Reward. Then I opened another select (just via the app, no peculiar old form needed now as my default sort code was now 15-80-00 rather than the Greenock one I had before), added my fiancée to that and then turned that in to a Reward too. Finally my fiancée opened a Reward account in her own name (again just via the normal app route). Easy net £9/month between us.

Good tip, which I may well follow. I live in Liverpool so haven't even had a local branch for a few months. So I have a Reward account at Liverpool and (hopefully) a Child account - would my assigned sort code (not sure if that's even a term) automatically default to the Child one upon closure of the Reward?

It'll probably already do that, it defaults to the last opened account. Open a savings account and see which sort code they give you if you're not sure (after your new Select account is open).

Actually when my fiancée opened her account she was asked if she'd prefer her current branch (which was misformatted as "Child & Co, , , SW1A") or choose another - I've never seen that option before or since tho, perhaps a peculiarity of her only Current Account being a joint she was added to.

And were all your cards/chequebooks for your subsequent accounts Child branded, despite not using the odd form?

Yep. Statements for the savings accounts too. There's no override other than sort code, if your sort code is 15-80-00 (and you are eligible for an 'online and offline' debit card, maybe) then your debit card will be Child & Co branded. Appears to be the same story with Drummonds now too.

I was thinking of doing Drummonds too, but I have to say the pics of the cards and stationery posted by other forumers didn't really impress me, so I may as well stick with Child as I do genuinely like the branding. Makes sense to switch my proper bills and spending current accounts over too as I've never had an issue with NatWest Group and I like the occasional switching offers too. Am I correct in  thinking that I will be able to service my RBS accounts at my local NatWest branch?

Confirmation email in my RBS app (account not showing yet mind):

PloughmansLunch

gary1312 said:

PloughmansLunch said:

Oh BTW, I opened an RBS regular saver at the weekend and that too has the Child & Co sort code, so I guess that's my permanent home sort code.

You don't fancy a Drummonds too?

No, not now that I've applied - I read somewhere way back in this thread that if you want both then the best option is Drummonds first. I prefer the Childs branding rather than the massive RBS logo on the Drummonds card background, so I wouldn't want to risk having the ugly sister of the two as my home sort code.

WillPS

gary1312 said:

WillPS said:

gary1312 said:

WillPS said:

gary1312 said:

WillPS said:

I was similar, except I switched away my existing RBS Reward account and converted my Select in to a Reward. Then I opened another select (just via the app, no peculiar old form needed now as my default sort code was now 15-80-00 rather than the Greenock one I had before), added my fiancée to that and then turned that in to a Reward too. Finally my fiancée opened a Reward account in her own name (again just via the normal app route). Easy net £9/month between us.

Good tip, which I may well follow. I live in Liverpool so haven't even had a local branch for a few months. So I have a Reward account at Liverpool and (hopefully) a Child account - would my assigned sort code (not sure if that's even a term) automatically default to the Child one upon closure of the Reward?

It'll probably already do that, it defaults to the last opened account. Open a savings account and see which sort code they give you if you're not sure (after your new Select account is open).

Actually when my fiancée opened her account she was asked if she'd prefer her current branch (which was misformatted as "Child & Co, , , SW1A") or choose another - I've never seen that option before or since tho, perhaps a peculiarity of her only Current Account being a joint she was added to.

And were all your cards/chequebooks for your subsequent accounts Child branded, despite not using the odd form?

Yep. Statements for the savings accounts too. There's no override other than sort code, if your sort code is 15-80-00 (and you are eligible for an 'online and offline' debit card, maybe) then your debit card will be Child & Co branded. Appears to be the same story with Drummonds now too.

 Am I correct in  thinking that I will be able to service my RBS accounts at my local NatWest branch?

Yep. I paid in some cash in to mine at the Natwest in Nottingham on Saturday. 

PloughmansLunch said:

gary1312 said:

PloughmansLunch said:

Oh BTW, I opened an RBS regular saver at the weekend and that too has the Child & Co sort code, so I guess that's my permanent home sort code.

You don't fancy a Drummonds too?

No, not now that I've applied - I read somewhere way back in this thread that if you want both then the best option is Drummonds first. I prefer the Childs branding rather than the massive RBS logo on the Drummonds card background, so I wouldn't want to risk having the ugly sister of the two as my home sort code.

Your 'home branch' only makes a difference when opening accounts in future. It doesn't change the stationary you receive for any accounts already opened with the 15-80-00 sort code.

PloughmansLunch

Your 'home branch' only makes a difference when opening accounts in future. It doesn't change the stationary you receive for any accounts already opened with the 15-80-00 sort code.

I am now officially  with Child, as it were, and am happy to stay that way but I am curious. If in a few months time (when my credit score doesn’t have a sad face due to opening accounts willy-nilly) could I apply via the form for a Drummonds account as well, and it wouldn’t affect me being able to get a replacement Child & Co card at a later date, or does the form override and move my home branch to Charing Cross? Would they both appear on the app, and would I be able to have two concurrent regular savers?

Marchitiello

Sort codes do not change, not only for RBS but I am guessing for any other banks (I have several accounts with Barclays, current, joint, joint mortgage, savings of various type and they all have different sort codes from the branch near work where I had visited to open those at the time). 

Both accounts will show in the app with their own sort code and each will have his own debit card issued, however your first/oldest account is the one that is used as default when opening new products needing a sort code, unless is a  product linked to a specific account. 

trient

Marchitiello said:

Both accounts will show in the app with their own sort code and each will have his own debit card issued, however your first/oldest account is the one that is used as default when opening new products needing a sort code, unless is a  product linked to a specific account. 

@[Deleted User] on page 27 seemed to suggest the home sort code was determined by the most recent account opened rather than the first/oldest. Even then, presumably you could open Child/Drummonds/Child through the form (I don't remember seeing anywhere a limit on current accounts per customer).

[Deleted User]

Yes, it is my understanding that your home sort code changes to the most recently opened account. I already have a DRS so can’t check but maybe someone @WillPS? can?

gary1312

trient said:

Marchitiello said:

Both accounts will show in the app with their own sort code and each will have his own debit card issued, however your first/oldest account is the one that is used as default when opening new products needing a sort code, unless is a  product linked to a specific account. 

@[Deleted User] on page 27 seemed to suggest the home sort code was determined by the most recent account opened rather than the first/oldest. Even then, presumably you could open Child/Drummonds/Child through the form (I don't remember seeing anywhere a limit on current accounts per customer).

I've held a Foundation, Select and Reward simultaneously.........not sure if there are any limits on how many Select accounts can be held.

 I may just switch my punter-class Reward account out, switch the first Child account to Reward and hen open a new Child Select via the odd form. I did fancy a Drummonds too but seeing the debit card put me off. 

Marchitiello

trient said:

Marchitiello said:

Both accounts will show in the app with their own sort code and each will have his own debit card issued, however your first/oldest account is the one that is used as default when opening new products needing a sort code, unless is a  product linked to a specific account. 

@[Deleted User] on page 27 seemed to suggest the home sort code was determined by the most recent account opened rather than the first/oldest. Even then, presumably you could open Child/Drummonds/Child through the form (I don't remember seeing anywhere a limit on current accounts per customer).

Unless you use the form, your new account sort code is determined by your oldest account with RBS. For me is Child, and although not only I also have a Drummonds account (I think I was the first one to post a Drummonds card on this forum) but also actively bank in branch, know the branch manager and few of the personal bankers there, I recently opened a first saver for my youngest daughter and it defaulted to Child & Co. Interestingly, when I opened the same for my middle child 2.5 years ago, you were still able to select the branch within the regular application process, and thus we got Drummonds as I had already moved my branch visit to that branch by then. For my eldest, we opened it in branch at Child just over 7 years ago, when again I would visit quite often.