Child & Co RBS Branch to close

[Deleted User]

WillPS said:

I understand what modulus checking is but I don't understand this concept of having both a Coutts sort code as well as 15-80-00. Have I misunderstood or is that actually what you're suggesting?

You leave the riffraff on the 15-80-00 as RBS and open up a corresponding Coutts sort code.
The HNW people move to the new sort code keeping the same account numbers.

Barclays did similar during ringfencing and Santander to absorb A&L...

WillPS

Deleted_User said:

WillPS said:

I understand what modulus checking is but I don't understand this concept of having both a Coutts sort code as well as 15-80-00. Have I misunderstood or is that actually what you're suggesting?

You leave the riffraff on the 15-80-00 as RBS and open up a corresponding Coutts sort code.
The HNW people move to the new sort code keeping the same account numbers.

Barclays did similar during ringfencing and Santander to absorb A&L...

Yes, they could forcibly change the sort code of all their private customers.

I can see why they'd be keen to avoid that if they can though.

And in any case that doesn't really answer the question of why customers with standard RBS products get Child & Co branded cards when those at Drummonds do not (unless they specifically have that card type assigned to their account, which can only be done in branch by all accounts). Either it's a massive oversight which has gone on for decades, or it is a deliberate policy - not to allow riffraff but to allow the premium brand to engage with customers who do not yet meet the usual Premier banking requirements.

[Deleted User]

It was mentioned further up the thread, someone had a Drummonds card, only available by request at the branch. It was always assumed on here no such card existed in modern times except we now know it does.

Also some people on 15-80-00 did not even receive Child branded cards. Interesting mess! The plebs (of which I am one) have always been on 15-80-00. We are classed as retail customers of Child branch. Others are private customers and on another sort code. It was stated a few years ago those retail who received the Child card had passed an internal RBS check and those that didn't had failed it and just received RBS standard. Nobody knows what the check is, but it isn't related to income. This was evident from the threads a few years back.

One assumes going forward, the retail customers of Child will be moved over to standard RBS and private customers will remain on the brand. I noted a few months ago some changes had been made to the sort code, the address moved to central RBS. I was told I was wrong, but as I suspected changes were occurring. I can't see them allowing us to stay on it, if they do, pretty cool! it will be an account no other pleb can get

WillPS

[Deleted User] said:

It was mentioned further up the thread, someone had a Drummonds card, only available by request at the branch. It was always assumed on here no such card existed in modern times except we now know it does.

Also some people on 15-80-00 did not even receive Child branded cards. Interesting mess! The plebs (of which I am one) have always been on 15-80-00. We are classed as retail customers of Child branch. Others are private customers and on another sort code. It was stated a few years ago those retail who received the Child card had passed an internal RBS check and those that didn't had failed it and just received RBS standard. Nobody knows what the check is, but it isn't related to income. This was evident from the threads a few years back.

One assumes going forward, the retail customers of Child will be moved over to standard RBS and private customers will remain on the brand. I noted a few months ago some changes had been made to the sort code, the address moved to central RBS. I was told I was wrong, but as I suspected changes were occurring. I can't see them allowing us to stay on it, if they do, pretty cool! it will be an account no other pleb can get

It's a little more complicated than that. 15-80-00 is the original Child & Co sort code.

16-00-80, which is the 'private customer only' sort code was implemented at some point more recently, along with 16-00-11 which is the 'retail customer only' sort code at 1 Fleet Street.

There are private customers and retail customers on 15-80-00.

The check was not on whether or not a Child & Co card would be issued, it previously related to whether or not the customer would be allocated an 'online only' debit card (which would have been a Solo card historically). AIUI there simply was no Child & Co branded Solo or online-only Visa Debit card, so if you were such a customer you received an RBS branded one (but your chequebook and statement would still be Child & Co branded).

Since nowadays all customers receive an 'online only' debit card, I don't know if there is a differentiation - it's a long time since I've seen reports of 15-80-00 customers receiving RBS branded debit cards.

[Deleted User]

WillPS said:

Deleted_User said:

It was mentioned further up the thread, someone had a Drummonds card, only available by request at the branch. It was always assumed on here no such card existed in modern times except we now know it does.

Also some people on 15-80-00 did not even receive Child branded cards. Interesting mess! The plebs (of which I am one) have always been on 15-80-00. We are classed as retail customers of Child branch. Others are private customers and on another sort code. It was stated a few years ago those retail who received the Child card had passed an internal RBS check and those that didn't had failed it and just received RBS standard. Nobody knows what the check is, but it isn't related to income. This was evident from the threads a few years back.

One assumes going forward, the retail customers of Child will be moved over to standard RBS and private customers will remain on the brand. I noted a few months ago some changes had been made to the sort code, the address moved to central RBS. I was told I was wrong, but as I suspected changes were occurring. I can't see them allowing us to stay on it, if they do, pretty cool! it will be an account no other pleb can get

It's a little more complicated than that. 15-80-00 is the original Child & Co sort code.

16-00-80, which is the 'private customer only' sort code was implemented at some point more recently, along with 16-00-11 which is the 'retail customer only' sort code at 1 Fleet Street.

There are private customers and retail customers on 15-80-00.

The check was not on whether or not a Child & Co card would be issued, it previously related to whether or not the customer would be allocated an 'online only' debit card (which would have been a Solo card historically). AIUI there simply was no Child & Co branded Solo or online-only Visa Debit card, so if you were such a customer you received an RBS branded one (but your chequebook and statement would still be Child & Co branded).

Since nowadays all customers receive an 'online only' debit card, I don't know if there is a differentiation - it's a long time since I've seen reports of 15-80-00 customers receiving RBS branded debit cards.

The Child and Co branded cards have offline capabilities. Not sure where you're getting the idea that all cards are online.

WillPS

Deleted_User said:

WillPS said:

Deleted_User said:

It was mentioned further up the thread, someone had a Drummonds card, only available by request at the branch. It was always assumed on here no such card existed in modern times except we now know it does.

Also some people on 15-80-00 did not even receive Child branded cards. Interesting mess! The plebs (of which I am one) have always been on 15-80-00. We are classed as retail customers of Child branch. Others are private customers and on another sort code. It was stated a few years ago those retail who received the Child card had passed an internal RBS check and those that didn't had failed it and just received RBS standard. Nobody knows what the check is, but it isn't related to income. This was evident from the threads a few years back.

One assumes going forward, the retail customers of Child will be moved over to standard RBS and private customers will remain on the brand. I noted a few months ago some changes had been made to the sort code, the address moved to central RBS. I was told I was wrong, but as I suspected changes were occurring. I can't see them allowing us to stay on it, if they do, pretty cool! it will be an account no other pleb can get

It's a little more complicated than that. 15-80-00 is the original Child & Co sort code.

16-00-80, which is the 'private customer only' sort code was implemented at some point more recently, along with 16-00-11 which is the 'retail customer only' sort code at 1 Fleet Street.

There are private customers and retail customers on 15-80-00.

The check was not on whether or not a Child & Co card would be issued, it previously related to whether or not the customer would be allocated an 'online only' debit card (which would have been a Solo card historically). AIUI there simply was no Child & Co branded Solo or online-only Visa Debit card, so if you were such a customer you received an RBS branded one (but your chequebook and statement would still be Child & Co branded).

Since nowadays all customers receive an 'online only' debit card, I don't know if there is a differentiation - it's a long time since I've seen reports of 15-80-00 customers receiving RBS branded debit cards.

The Child and Co branded cards have offline capabilities. Not sure where you're getting the idea that all cards are online.

It's been a very long time since I've seen any suggestion that it was a thing, but I accept that could just be down to the fact offline use cases have pretty much disappeared since the railways finally moved to being processing online. 

Perhaps it's just the lack of a visible difference which is throwing me (except for Foundation and Adapt/Evolve accounts - perhaps these are the only online-only cards now and all other accounts get the offline enabled one?). In years gone by RBS/Natwest would issue a completely different card design depending if your card was online only or offline enabled.

planteria

anyone any update re this?
not sure if we will still have Child & Co branded cards, statements and chequebooks.

WillPS

planteria said:

anyone any update re this?
not sure if we will still have Child & Co branded cards, statements and chequebooks.

The only word from RBS is that all that branded cards and chequebooks will remain, everything else is speculation.

As of this week Child and Co branded Visa Debit cards are still being issued. What happens when Natwest pull the plug on Visa Debit altogether will be somewhat telling.

planteria

thank you WillPS.. it's a shame the branch is closing. and yes, that will be telling as they'll have to produce a new Child & Co-branded card type, which you would assume they won't do if they were to be phasing out the brand.

Saver101101

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 ?.