Child & Co RBS Branch to close

TheBanker

Se1Lad said:

[Deleted User] said:

WillPS said:

Deleted_User said:

WillPS said:

Deleted_User said:

It's an entire product, the point I was trying to raise to you in the Barclays thread, but seemed to go over your head. A bank account is a product, if it is a premium product, all aspects should reflect that. 

What is? Royal Bank of Scotland aren't marketing Child & Co at all, leave alone as some sort of premium product.

Even if they did, and having a fancy debit card/chequebook was part of that I very much doubt 'nicely printed statements' would be.

You (and the other two likers) have missed my point I'm afraid. I was speaking generally, a produce is a whole. In the old days they knew how to do it. Even the statement is part of it, like when banks used to give you cheque book holders. Indeed Child and Co did at some stage long ago.

Very obtuse people on these boards at times...

Obtuse might be expecting a "premium" service when none was offered. Natwest Group clearly do not consider printed statements an integral part of their product range, and in fact I suspect would prefer you didn't have one at all.

I have already told you I was speaking generally. We will have to agree to disagree on this matter. WillPS and Se1Lad. People have different ideas. I prefer the old days when a product was a whole. These days it doesn't happen anymore.

Out of interest did you find a premium account which offered higher quality statements?

Could always buy a printer and some premium paper from Staples and print them at home, if it matters that much

Personally I'd rather my bank spend their budgets on better interest rates/cashback incentives and customer service staff to answer the phone, rather than premium paper!

Se1Lad

TheBanker said:

Se1Lad said:

[Deleted User] said:

WillPS said:

Deleted_User said:

WillPS said:

Deleted_User said:

It's an entire product, the point I was trying to raise to you in the Barclays thread, but seemed to go over your head. A bank account is a product, if it is a premium product, all aspects should reflect that. 

What is? Royal Bank of Scotland aren't marketing Child & Co at all, leave alone as some sort of premium product.

Even if they did, and having a fancy debit card/chequebook was part of that I very much doubt 'nicely printed statements' would be.

You (and the other two likers) have missed my point I'm afraid. I was speaking generally, a produce is a whole. In the old days they knew how to do it. Even the statement is part of it, like when banks used to give you cheque book holders. Indeed Child and Co did at some stage long ago.

Very obtuse people on these boards at times...

Obtuse might be expecting a "premium" service when none was offered. Natwest Group clearly do not consider printed statements an integral part of their product range, and in fact I suspect would prefer you didn't have one at all.

I have already told you I was speaking generally. We will have to agree to disagree on this matter. WillPS and Se1Lad. People have different ideas. I prefer the old days when a product was a whole. These days it doesn't happen anymore.

Out of interest did you find a premium account which offered higher quality statements?

Could always buy a printer and some premium paper from Staples and print them at home, if it matters that much

Personally I'd rather my bank spend their budgets on better interest rates/cashback incentives and customer service staff to answer the phone, rather than premium paper!

I’m not bothered either, I was just curious if any bank still provided them!

TheBanker

Se1Lad said:

TheBanker said:

Se1Lad said:

[Deleted User] said:

WillPS said:

Deleted_User said:

WillPS said:

Deleted_User said:

It's an entire product, the point I was trying to raise to you in the Barclays thread, but seemed to go over your head. A bank account is a product, if it is a premium product, all aspects should reflect that. 

What is? Royal Bank of Scotland aren't marketing Child & Co at all, leave alone as some sort of premium product.

Even if they did, and having a fancy debit card/chequebook was part of that I very much doubt 'nicely printed statements' would be.

You (and the other two likers) have missed my point I'm afraid. I was speaking generally, a produce is a whole. In the old days they knew how to do it. Even the statement is part of it, like when banks used to give you cheque book holders. Indeed Child and Co did at some stage long ago.

Very obtuse people on these boards at times...

Obtuse might be expecting a "premium" service when none was offered. Natwest Group clearly do not consider printed statements an integral part of their product range, and in fact I suspect would prefer you didn't have one at all.

I have already told you I was speaking generally. We will have to agree to disagree on this matter. WillPS and Se1Lad. People have different ideas. I prefer the old days when a product was a whole. These days it doesn't happen anymore.

Out of interest did you find a premium account which offered higher quality statements?

Could always buy a printer and some premium paper from Staples and print them at home, if it matters that much

Personally I'd rather my bank spend their budgets on better interest rates/cashback incentives and customer service staff to answer the phone, rather than premium paper!

I’m not bothered either, I was just curious if any bank still provided them!

I know you're not, but clearly someone is! 

I wonder if Coutts still use special paper, or if they go through the standard Natwest printing process too?

Se1Lad

TheBanker said:

Se1Lad said:

TheBanker said:

Se1Lad said:

[Deleted User] said:

WillPS said:

Deleted_User said:

WillPS said:

Deleted_User said:

It's an entire product, the point I was trying to raise to you in the Barclays thread, but seemed to go over your head. A bank account is a product, if it is a premium product, all aspects should reflect that. 

What is? Royal Bank of Scotland aren't marketing Child & Co at all, leave alone as some sort of premium product.

Even if they did, and having a fancy debit card/chequebook was part of that I very much doubt 'nicely printed statements' would be.

You (and the other two likers) have missed my point I'm afraid. I was speaking generally, a produce is a whole. In the old days they knew how to do it. Even the statement is part of it, like when banks used to give you cheque book holders. Indeed Child and Co did at some stage long ago.

Very obtuse people on these boards at times...

Obtuse might be expecting a "premium" service when none was offered. Natwest Group clearly do not consider printed statements an integral part of their product range, and in fact I suspect would prefer you didn't have one at all.

I have already told you I was speaking generally. We will have to agree to disagree on this matter. WillPS and Se1Lad. People have different ideas. I prefer the old days when a product was a whole. These days it doesn't happen anymore.

Out of interest did you find a premium account which offered higher quality statements?

Could always buy a printer and some premium paper from Staples and print them at home, if it matters that much

Personally I'd rather my bank spend their budgets on better interest rates/cashback incentives and customer service staff to answer the phone, rather than premium paper!

I’m not bothered either, I was just curious if any bank still provided them!

I know you're not, but clearly someone is! 

I wonder if Coutts still use special paper, or if they go through the standard Natwest printing process too?

I can confirm that Barclays Wealth Management use the same paper (and format) as Premier and regular.  No idea about Coutts though!

trient

Cater Allen use special paper.

Edit: FWIW, some building societies do it too.  Family BS (nothing premier there) have the thickest heavy weight paper I've ever seen.

GenieBoy

TheBanker said:

Se1Lad said:

Deleted_User said:

WillPS said:

Deleted_User said:

WillPS said:

Deleted_User said:

It's an entire product, the point I was trying to raise to you in the Barclays thread, but seemed to go over your head. A bank account is a product, if it is a premium product, all aspects should reflect that. 

What is? Royal Bank of Scotland aren't marketing Child & Co at all, leave alone as some sort of premium product.

Even if they did, and having a fancy debit card/chequebook was part of that I very much doubt 'nicely printed statements' would be.

You (and the other two likers) have missed my point I'm afraid. I was speaking generally, a produce is a whole. In the old days they knew how to do it. Even the statement is part of it, like when banks used to give you cheque book holders. Indeed Child and Co did at some stage long ago.

Very obtuse people on these boards at times...

Obtuse might be expecting a "premium" service when none was offered. Natwest Group clearly do not consider printed statements an integral part of their product range, and in fact I suspect would prefer you didn't have one at all.

I have already told you I was speaking generally. We will have to agree to disagree on this matter. WillPS and Se1Lad. People have different ideas. I prefer the old days when a product was a whole. These days it doesn't happen anymore.

Out of interest did you find a premium account which offered higher quality statements?

Could always buy a printer and some premium paper from Staples and print them at home, if it matters that much

Personally I'd rather my bank spend their budgets on better interest rates/cashback incentives and customer service staff to answer the phone, rather than premium paper!

That's not how business works, any savings is added to profit which then goes to shareholders. 

TheBanker

GenieBoy said:

TheBanker said:

Se1Lad said:

Deleted_User said:

WillPS said:

Deleted_User said:

WillPS said:

Deleted_User said:

It's an entire product, the point I was trying to raise to you in the Barclays thread, but seemed to go over your head. A bank account is a product, if it is a premium product, all aspects should reflect that. 

What is? Royal Bank of Scotland aren't marketing Child & Co at all, leave alone as some sort of premium product.

Even if they did, and having a fancy debit card/chequebook was part of that I very much doubt 'nicely printed statements' would be.

You (and the other two likers) have missed my point I'm afraid. I was speaking generally, a produce is a whole. In the old days they knew how to do it. Even the statement is part of it, like when banks used to give you cheque book holders. Indeed Child and Co did at some stage long ago.

Very obtuse people on these boards at times...

Obtuse might be expecting a "premium" service when none was offered. Natwest Group clearly do not consider printed statements an integral part of their product range, and in fact I suspect would prefer you didn't have one at all.

I have already told you I was speaking generally. We will have to agree to disagree on this matter. WillPS and Se1Lad. People have different ideas. I prefer the old days when a product was a whole. These days it doesn't happen anymore.

Out of interest did you find a premium account which offered higher quality statements?

Could always buy a printer and some premium paper from Staples and print them at home, if it matters that much

Personally I'd rather my bank spend their budgets on better interest rates/cashback incentives and customer service staff to answer the phone, rather than premium paper!

That's not how business works, any savings is added to profit which then goes to shareholders. 

Sometimes, not always. 

Sometimes the business has a limited budget for certain types of expense and reducing costs on one line can allow them to spend more on another. 

gary1312

trient said:

Cater Allen use special paper.

I hadn't clocked this before but have just pulled out my last statement and it does indeed seem to be of a better quality than my Santander ones. Not exactly a premium product mind, well unless one has one of their fancier accounts with a minimum income requirement, which I certainly don't.

Interesting to see the different Child statements through the professional eye of @PloughmansLunch and I can certainly see the dip in quality, but Child accounts can't be classed as a premium product and, as @WillPS has pointed out, the real benefit to the accounts is having a bank card which isn't some ghastly picture of a beach hut and being able to write pretty gift cheques. 

PloughmansLunch

gary1312 said:

trient said:

Cater Allen use special paper.

Interesting to see the different Child statements through the professional eye of @PloughmansLunch and I can certainly see the dip in quality, but Child accounts can't be classed as a premium product and, as @WillPS has pointed out, the real benefit to the accounts is having a bank card which isn't some ghastly picture of a beach hut and being able to write pretty gift cheques. 

Absolutely, I'm fully aware that mine is only a common or garden RBS Select account albeit with a 'w*nky' card as someone on here eruditely put it. If there was also a poncy NatWest equivalent instead of the horrendous primary school art project runner-up that is their current debit card design then I'd use ancient legacy forms to obtain one of those too.

TheBanker

PloughmansLunch said:

gary1312 said:

trient said:

Cater Allen use special paper.

Interesting to see the different Child statements through the professional eye of @PloughmansLunch and I can certainly see the dip in quality, but Child accounts can't be classed as a premium product and, as @WillPS has pointed out, the real benefit to the accounts is having a bank card which isn't some ghastly picture of a beach hut and being able to write pretty gift cheques. 

Absolutely, I'm fully aware that mine is only a common or garden RBS Select account albeit with a 'w*nky' card as someone on here eruditely put it. If there was also a poncy NatWest equivalent instead of the horrendous primary school art project runner-up that is their current debit card design then I'd use ancient legacy forms to obtain one of those too.

I got upgraded to Natwest Premier. There are two main benefits. Firstly, the Premier Reward account pays £10 a month in cashback rather than the £5 paid by the standard Reward account, for the same monthly fee. Secondly you get a nice plain black card instead of that vile thing that everyone else has to put up with.

I'm not normally that bothered about card designs, but the standard Natwest card is truly awful. It's almost like they designed it for their kids' accounts and then issued it to adults by accident.