New Natwest / RBS / Ulster Bank £200 Switch Incentive

trient

[Deleted User] said:

dealyboy said:

Hi @trient ...

trient said:

billyboy said:

Hi I think you may be wrong about the TSB cash account not being suitable for switch as I have used Santander Basic accounts for switching in the past without any problems. I assume the TSB cash account is similar but I could be wrong.

How did you open the Santander basic account? I thought a prerequisite for a basic account with any bank was not having (nor being able to get) a current account in the first place.

I have not had any problems opening 'Santander Everyday Current Accounts' and I have had their 123 and 123 lite accounts in the past and have an eSaver. I have several current accounts with other banks/building societies so standard criteria would apply for success in opening this account.

You can open several, but I think somebody said the limit is six. I opened two and have used them both as donors, so will be opening some more soon, if I pass their criteria.

The everyday account is very different from the basic account…

Exactly. Two products are mentioned here (Santander basic and TSB cash) and IIRC others were mentioned before (Nationwide I think?) as donor accounts that don't "cost" a credit search. But banks only seem to offer these to customers that can't get standard current accounts, so was wondering if it's actually possible to have both.

dealyboy

trient said:

ndrw said:

dealyboy said:

Hi @trient ...

trient said:

billyboy said:

Hi I think you may be wrong about the TSB cash account not being suitable for switch as I have used Santander Basic accounts for switching in the past without any problems. I assume the TSB cash account is similar but I could be wrong.

How did you open the Santander basic account? I thought a prerequisite for a basic account with any bank was not having (nor being able to get) a current account in the first place.

I have not had any problems opening 'Santander Everyday Current Accounts' and I have had their 123 and 123 lite accounts in the past and have an eSaver. I have several current accounts with other banks/building societies so standard criteria would apply for success in opening this account.

You can open several, but I think somebody said the limit is six. I opened two and have used them both as donors, so will be opening some more soon, if I pass their criteria.

The everyday account is very different from the basic account…

Exactly. Two products are mentioned here (Santander basic and TSB cash) and IIRC others were mentioned before (Nationwide I think?) as donor accounts that don't "cost" a credit search. But banks only seem to offer these to customers that can't get standard current accounts, so was wondering if it's actually possible to have both.

I have a FlexDirect and have had 3 Flex donor accounts used without problems for switching.

When I open a new donor account I opt for a zero overdraught facility.

If I understand you, you want to open a donor account that will not trigger a credit check when switched. However in my experience if the intention is to gain an incentive then it is the requirements of the destination account that will determine if a check is needed and generally one is needed (soft or hard) because of the features of the new account which is why an incentive is offered.

trient

dealyboy said:

trient said:

ndrw said:

dealyboy said:

Hi @trient ...

trient said:

billyboy said:

Hi I think you may be wrong about the TSB cash account not being suitable for switch as I have used Santander Basic accounts for switching in the past without any problems. I assume the TSB cash account is similar but I could be wrong.

How did you open the Santander basic account? I thought a prerequisite for a basic account with any bank was not having (nor being able to get) a current account in the first place.

I have not had any problems opening 'Santander Everyday Current Accounts' and I have had their 123 and 123 lite accounts in the past and have an eSaver. I have several current accounts with other banks/building societies so standard criteria would apply for success in opening this account.

You can open several, but I think somebody said the limit is six. I opened two and have used them both as donors, so will be opening some more soon, if I pass their criteria.

The everyday account is very different from the basic account…

Exactly. Two products are mentioned here (Santander basic and TSB cash) and IIRC others were mentioned before (Nationwide I think?) as donor accounts that don't "cost" a credit search. But banks only seem to offer these to customers that can't get standard current accounts, so was wondering if it's actually possible to have both.

I have a FlexDirect and have had 3 Flex donor accounts used without problems for switching.

When I open a new donor account I opt for a zero overdraught facility.

If I understand you, you want to open a donor account that will not trigger a credit check when switched. However in my experience if the intention is to gain an incentive then it is the requirements of the destination account that will determine if a check is needed and generally one is needed (soft or hard) because of the features of the new account which is why an incentive is offered.

FlexDirect is a stabdard current account. Nationwide's product I was referring to is the FlexBasic.

This was more of a pedantic question as there are enough ways to open donor accounts avoiding hard checks. And to your point on destination accounts needing hard checks (although this was not my question) that's not the case if you switch into an existing account.

notquiteskint

Rbs switch complete on 8th march £200 paid into account today 10th march

[Deleted User]

Received the cursed Ulster application form today. Both the covering letter and the inside of the prepaid envelope say that I should return originals of any ID documents requested. But they don’t actually say what ID docs I need to send back, and there’s not enough money on earth for me to send originals in unsecured mail. 

I know others had similar wording but just wanted to check that they had the wording in the cover letter, too, and that it was all accepted OK without ID?

gt94sss2

[Deleted User] said:

Received the cursed Ulster application form today. Both the covering letter and the inside of the prepaid envelope say that I should return originals of any ID documents requested. But they don’t actually say what ID docs I need to send back, and there’s not enough money on earth for me to send originals in unsecured mail. 

I know others had similar wording but just wanted to check that they had the wording in the cover letter, too, and that it was all accepted OK without ID?

Yes, my letter mentioned the same but did not mention any specific ID - so I  didn't send any.. and my application went through without an issue

GlasgowExpat2

I opened an additional Nationwide account today. I’ve received the sort code and account number so I presume I can go ahead and do a switch to RBS?

[Deleted User]

gt94sss2 said:

[Deleted User] said:

Received the cursed Ulster application form today. Both the covering letter and the inside of the prepaid envelope say that I should return originals of any ID documents requested. But they don’t actually say what ID docs I need to send back, and there’s not enough money on earth for me to send originals in unsecured mail. 

I know others had similar wording but just wanted to check that they had the wording in the cover letter, too, and that it was all accepted OK without ID?

Yes, my letter mentioned the same but did not mention any specific ID - so I  didn't send any.. and my application went through without an issue

Thanks! How long after sending it back before you heard anything?

gt94sss2

[Deleted User] said:

gt94sss2 said:

[Deleted User] said:

Received the cursed Ulster application form today. Both the covering letter and the inside of the prepaid envelope say that I should return originals of any ID documents requested. But they don’t actually say what ID docs I need to send back, and there’s not enough money on earth for me to send originals in unsecured mail. 

I know others had similar wording but just wanted to check that they had the wording in the cover letter, too, and that it was all accepted OK without ID?

Yes, my letter mentioned the same but did not mention any specific ID - so I  didn't send any.. and my application went through without an issue

Thanks! How long after sending it back before you heard anything?

I'd say about a week

[Deleted User]

Thanks! Was it another letter, or a text/email?