NatWest/RBS/Ulster £200 Switching Offer 15/2/2024-2/4/2024

Ponchos

Ponchos said:

Ponchos said:

I applied for the NW Select account yesterday and today I've seen an email saying...

"Thanks for trying to set up a SELECT account. But we can’t open it for you.

Why not?

We need to check your identity when you open a bank account. Unfortunately, we couldn’t do this with the information you gave us.

We’re sorry it didn’t work out this time. Thanks for your interest in the account and we hope it doesn’t put you off using our other services."

I went through the whole HooYu thing and it said there was no problem and it was processing. Today I ave applied to Ulster and they're going to get back to me (which I understand from this thread is normal because they take longer), and also RBS, which was a virtually identical application process to NW, and they sent me a text and email both confirming my account is being set up. At the end of each application, NW and RBS both showed my sort code, accout number, customer number and reference number, so the application must have gone through to a degree, just NW have rejected it where RBS have accepted it. All applications were done online.

What's the best thing to do with NW? Is there a way to appeal this rejection, or can I apply again from scratch, or is that it, they just won't give me an account?

An update to this...

I've spoken to NW live chat, and they've said that my application was rejected (not "can't be opened", as the email stated) because of a bad identity confirming selfie. I told them that they sent me a text message with a link to HooYu showing the identity confirmation page, which shows "Liveness check was successful", but was told in chat that after oassing through HooYu the photos checked checked elsewhere (presumably by NW) and that mine didn't have enough light. If it didn't have enough light then why tell me the photo is verified? Very frustrating. However, I can reapply (and "make sure the lighting is better") but this will mean anotehr credit check. I've just looked at my profile, my score has dropped 4 points but my credit card option have moved up to the next "possibility/eligibility" bracket, though my profile isn't live and the next updated report is in April. RBS have accepted me straight away after I applied yesterday (strangely as it's the EXACT same system and I did the same thing with the selfie...!), and this search hasn't appeared on my credit file yet.

So I'm wondering whether to apply again, given that it's another search, and there's no guarantee that because HooYu says I'm verified that I actually am verified, and I could get rejected again for such a rubbish reason. Anyone had similar hppen to them?

EDIT - I also applied to Ulster yesterday and they've just sent me a text message to go through the HooYu thing, which I've done one my phone despite the "smile in the circle" thing being kind of clunky (do they want an extreme close up?!). I've done the same thing three times, one accepted straight away, one rejected quickly, see what happens this time...!

Second attempt at applying for NW, wish me luck with hooyu!

Al_Ross

I have just received the Nat West Bonus.Can I switch a different account to RBS and get the Bonus.

I suspect no.

Anyone tried and got it?

danco

It's against their conditions, but plenty of people have succeeded

steven141

Al_Ross said:

I have just received the Nat West Bonus.Can I switch a different account to RBS and get the Bonus.

I suspect no.

Anyone tried and got it?

People who have been successful are ones that haven’t had cashback on an account with the brand that they switched to since 2020 but you can get up to £600 for all 3 (Royal Bank, Ulster Bank and NatWest). 

Emily_Joy

Ponchos said:

Emily_Joy said:

Ponchos said:

Ponchos said:

I applied for the NW Select account yesterday and today I've seen an email saying...

"Thanks for trying to set up a SELECT account. But we can’t open it for you.

Why not?

We need to check your identity when you open a bank account. Unfortunately, we couldn’t do this with the information you gave us.

We’re sorry it didn’t work out this time. Thanks for your interest in the account and we hope it doesn’t put you off using our other services."

I went through the whole HooYu thing and it said there was no problem and it was processing. Today I ave applied to Ulster and they're going to get back to me (which I understand from this thread is normal because they take longer), and also RBS, which was a virtually identical application process to NW, and they sent me a text and email both confirming my account is being set up. At the end of each application, NW and RBS both showed my sort code, accout number, customer number and reference number, so the application must have gone through to a degree, just NW have rejected it where RBS have accepted it. All applications were done online.

What's the best thing to do with NW? Is there a way to appeal this rejection, or can I apply again from scratch, or is that it, they just won't give me an account?

An update to this...

I've spoken to NW live chat, and they've said that my application was rejected (not "can't be opened", as the email stated) because of a bad identity confirming selfie. I told them that they sent me a text message with a link to HooYu showing the identity confirmation page, which shows "Liveness check was successful", but was told in chat that after oassing through HooYu the photos checked checked elsewhere (presumably by NW) and that mine didn't have enough light. If it didn't have enough light then why tell me the photo is verified? Very frustrating. However, I can reapply (and "make sure the lighting is better") but this will mean anotehr credit check. I've just looked at my profile, my score has dropped 4 points but my credit card option have moved up to the next "possibility/eligibility" bracket, though my profile isn't live and the next updated report is in April. RBS have accepted me straight away after I applied yesterday (strangely as it's the EXACT same system and I did the same thing with the selfie...!), and this search hasn't appeared on my credit file yet.

So I'm wondering whether to apply again, given that it's another search, and there's no guarantee that because HooYu says I'm verified that I actually am verified, and I could get rejected again for such a rubbish reason. Anyone had similar happen to them?

EDIT - I also applied to Ulster yesterday and they've just sent me a text message to go through the HooYu thing, which I've done one my phone despite the "smile in the circle" thing being kind of clunky (do they want an extreme close up?!). I've done the same thing three times, one accepted straight away, one rejected quickly, see what happens this time...!

My suggestion would be to visit a NatWest branch in person to have it sorted. I have had a lot of trouble with HooYu when I applied to RBS. Fortunately, local NatWest branch staff is simply amazing and were able to verify my identity manually quickly.

Good idea. When you visited the branch was it to open a new account from the beginning or to verify your identity after already applying online?

The latter - to verify my identity after online application.

Emily_Joy

Bridlington1 said: Though on the other hand, prior to my LBG lifetime ban I last switched out an account from LBG in December 2022 if my memory serves me well and they didn't decide to give me a lifetime ban till March 2023 (after 3 months of doing no switches in/out of LBG). I'd personally be slightly concerned that three switches out in quick succession from newly opened accounts could come back to haunt me a few months (possibly longer) down the line.

For what it worth: I switched LBG accounts quite a lot in the past, but not until recently. When I killed by 12 years old Lloyds account to switch to NatWest, Lloyds send me a letter inviting me to open Club Lloyds Silver.

HHUK

Very happy to have received the incentives from both Ulster Bank and RBS. Just as an aside, I'm curious as to why the Ulster Bank debit card has an expiry date of 02/28, whilst the RBS card expires 02/26?

WillPS

HHUK said:

Very happy to have received the incentives from both Ulster Bank and RBS. Just as an aside, I'm curious as to why the Ulster Bank debit card has an expiry date of 02/28, whilst the RBS card expires 02/26?

Expiration dates aren't normally set to be an exact amount of time in the future - they're one of the details used to identify your card along with the PAN so it's useful to be able to vary it a bit.

That said that is a wider range than I might have expected - it's impossible to know the reason but it could be commercial and linked to the hokeycokey Natwest Group have been doing recently where they began the process of moving customers enmasse to Mastercard a few years ago but then suddenly halted that process a couple of months ago and started issuing Visa cards again for new accounts and reissues of existing Visas (but still issuing Mastercards for accounts that already had them), except Ulster and a few other RBS subbrands. It's quite an odd situation, but that'd be my guess.

WillPS

danco said:

It's against their conditions, but plenty of people have succeeded

It's not against their terms to switch your account and fulfil the other requirements, you just couldn't have an expectation of it working if they actually did enforce that requirement (unlikely).

Zoliath

Can I do RBS and Ulster if I’ve just got the NatWest bonus?