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

GTR_King

Maybe it’s normal but heard some people are accepted instantly! What check do yo they need to do? Did they say?

WillPS

eastcorkram said:

GTR_King said:

How long do NatWest normally take to accept you 

I applied first thing Saturday morning 17th, had an email saying welcome, but need to do some checks etc, today 19th.
They've also done a hard search. Not sure why , as I've not applied for any credit. Maybe that's just normal.

You have applied for credit in the form of a potential unarranged overdraft. Perfectly normal for current account applications - it's more notable when providers don't hard search (Starling without overdraft, Monzo without overdraft, Chase without overdraft, Co-op Cashminder, Santander Basic, LBG for existing customers).

paddyposh

Just to check, and apologies if it has been asked already, can I open a Starling account today as well as a Chase account, then once set up straight away apply for Natwest & RBS and do the switch?

Or is there a certain amount of time they need to be open first before doing a switch.

I know they may not accept be back for a while, but I don't mind. Plus I heard you can have sub accounts within Chase, so possible to have two accounts there and just switch out one of them?

WillPS

paddyposh said:

Just to check, and apologies if it has been asked already, can I open a Starling account today as well as a Chase account, then once set up straight away apply for Natwest & RBS and do the switch?

Or is there a certain amount of time they need to be open first before doing a switch.

I know they may not accept be back for a while, but I don't mind. Plus I heard you can have sub accounts within Chase, so possible to have two accounts there and just switch out one of them?

Chase allow you to set up multiple accounts which can all be switched individually. Make sure you keep at least one without a switch otherwise they'll permanently close your account (no way back).

No minimum time it has to stay open, but be aware it may be viewed by some providers dimly (plenty do exactly this with Chase tho).

paddyposh

WillPS said:

paddyposh said:

Just to check, and apologies if it has been asked already, can I open a Starling account today as well as a Chase account, then once set up straight away apply for Natwest & RBS and do the switch?

Or is there a certain amount of time they need to be open first before doing a switch.

I know they may not accept be back for a while, but I don't mind. Plus I heard you can have sub accounts within Chase, so possible to have two accounts there and just switch out one of them?

Chase allow you to set up multiple accounts which can all be switched individually. Make sure you keep at least one without a switch otherwise they'll permanently close your account (no way back).

No minimum time it has to stay open, but be aware it may be viewed by some providers dimly (plenty do exactly this with Chase tho).

Ok thank you. So I could set up a Chase account, and then open 2 sub accounts and use those 2 to switch for the offers? And it will keep the main one open?

bobeschism

paddyposh said:

WillPS said:

paddyposh said:

Just to check, and apologies if it has been asked already, can I open a Starling account today as well as a Chase account, then once set up straight away apply for Natwest & RBS and do the switch?

Or is there a certain amount of time they need to be open first before doing a switch.

I know they may not accept be back for a while, but I don't mind. Plus I heard you can have sub accounts within Chase, so possible to have two accounts there and just switch out one of them?

Chase allow you to set up multiple accounts which can all be switched individually. Make sure you keep at least one without a switch otherwise they'll permanently close your account (no way back).

No minimum time it has to stay open, but be aware it may be viewed by some providers dimly (plenty do exactly this with Chase tho).

Ok thank you. So I could set up a Chase account, and then open 2 sub accounts and use those 2 to switch for the offers? And it will keep the main one open?

Exactly that. Takes less than a minute to open a sub account, and you're given the sort code and account number immediately so no waiting to initiate the switches. You can even name and colour code them, to make it even more idiot proof! My 3 accounts are <MY NAME>, Chase 2 NWest and Chase 3 RBS.

Bazzalona13295

bobeschism said:

paddyposh said:

WillPS said:

paddyposh said:

Just to check, and apologies if it has been asked already, can I open a Starling account today as well as a Chase account, then once set up straight away apply for Natwest & RBS and do the switch?

Or is there a certain amount of time they need to be open first before doing a switch.

I know they may not accept be back for a while, but I don't mind. Plus I heard you can have sub accounts within Chase, so possible to have two accounts there and just switch out one of them?

Chase allow you to set up multiple accounts which can all be switched individually. Make sure you keep at least one without a switch otherwise they'll permanently close your account (no way back).

No minimum time it has to stay open, but be aware it may be viewed by some providers dimly (plenty do exactly this with Chase tho).

Ok thank you. So I could set up a Chase account, and then open 2 sub accounts and use those 2 to switch for the offers? And it will keep the main one open?

Exactly that. Takes less than a minute to open a sub account, and you're given the sort code and account number immediately so no waiting to initiate the switches. You can even name and colour code them, to make it even more idiot proof! My 3 accounts are <MY NAME>, Chase 2 NWest and Chase 3 RBS.

Funny you should say idiot proof, well here is the idiot!

I cannot get past the ID stage with Chase, I think its the actual ID not my selfie. Whenever I look at the picture that has been taken it looks fine, perfectly clear, no glare etc.

Obviously you can't see the image but what could be causing this issue? Won't affect this switch but if I can open a Chase account I will.

northwalesd

This morning, as well as several messages about debit cards and PINs, I have received a message from NatWest that my switch is underway (that one's from Barclays) and a message from Chase that my second account is being switched to RBS.

Nothing so far (on switching) from either Barclays or RBS.

Nasqueron

35har1old said:

WillPS said:

Notably, the terms have shifted from an October 2017 cut off to January 2020 - so I should be eligible again with Natwest. Didn't join RBS until 2020 though, unfortun⁶ately

Does the terms not state if you had a offer from any of the three banks since January 2020 you won't be eligible?

I noted that the RBS one was explicit that if you had received the incentive after January 2020 you wouldn't be eligible this time - whether they check or not is debatable, will be interesting to see if anyone is the same as me and switched to NatWest in or around December 2019 but had the payout in 2020, and gets the bonus this time. 

brainiack

northwalesd said:

This morning, as well as several messages about debit cards and PINs, I have received a message from NatWest that my switch is underway (that one's from Barclays) and a message from Chase that my second account is being switched to RBS.

Nothing so far (on switching) from either Barclays or RBS.

Had the same too, several notifications via the app to say debit card and PIN due out shortly, but nothing in regards to my switch date or confirming it yet... despite entering all the details for the Coop card and account to switch on my original application.