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

bobeschism

Bazzalona13295 said:

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.

Try different ID? Or if you took the pic against a white background, try taking the pic against a dark background, or vice versa.

sheffieldeagle

tg99 said:

sheffieldeagle said:

tg99 said:

Family member opened second Chase to switch. They kept the debit card linked to their first Chase account but when filling in the switch form today they selected that they did have a debit card and put in the debit card number for their first account that they’re not switching.

Any view on best way to resolve this? I’m thinking it will probably mean the switch just fails rather than it affecting his first Chase account too? I think the switch might not start till Tuesday so my thought is for him to call tomorrow and either get them to cancel switch and then he can re apply and select that has no debit card for the account being switched. Or see if they can amend his switch submission to remove the debit card number (as long as this doesn’t invalidate the requirement to switch online / via app).

They have carried out the process correctly as long as the debit card is used for spending on the first account.

Cheers

My understanding was that if you link the debit card to spending on first account then therefore you do not have a debit card associated with the second account being switched and therefore should select the ‘no debit card’ option?

The second account is attached to the debit card but not used for spending. I recently switched a second Chase account to the Co-op and entered the debit card details, the reason being some switches stall if there are no debit card details.

Cheers

Bazzalona13295

bobeschism said:

Bazzalona13295 said:

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.

Try different ID? Or if you took the pic against a white background, try taking the pic against a dark background, or vice versa.

I've tried both. I'll try again another time, hopefully before there is another switch opportunity.
Always have trouble with photo ID.
Thankyou for replying.

HillStreetBlues

With RBS can you chose the switch date if so how far in advance can it be?

Rollinghome

I've got a Natwest joint account with my wife and had a switch bonus in 2020, but my wife didn't as "Joint accounts will only be eligible for one payment".  I see the terms say "You won’t be eligible to earn £200 if you’ve taken advantage of a cash switcher offer.... since 1 January 2020."  

So would that mean she would now get her own switch bonus without having to open another NW account, even though I couldn't?  She also doesn't have a debit card for the other account, but I see NW don't make that a requirement.

MABLE

Great news! They have overturned my decline and can apply again to their specialist account opening dept.

Ed-1

Rollinghome said:

I've got a Natwest joint account with my wife and had a switch bonus in 2020, but my wife didn't as "Joint accounts will only be eligible for one payment".  I see the terms say "You won’t be eligible to earn £200 if you’ve taken advantage of a cash switcher offer.... since 1 January 2020."  

So would that mean she would now get her own switch bonus without having to open another NW account, even though I couldn't?  She also doesn't have a debit card for the other account, but I see NW don't make that a requirement.

No as you've jointly benefitted from the bonus in 2020.

tony086

I have been rejected, never being rejected for anything like this before, anyone seeing this?  Instead giving anything precise and it's a goodbye from them, what kind of a service is that

WillPS

Rollinghome said:

I've got a Natwest joint account with my wife and had a switch bonus in 2020, but my wife didn't as "Joint accounts will only be eligible for one payment".  I see the terms say "You won’t be eligible to earn £200 if you’ve taken advantage of a cash switcher offer.... since 1 January 2020."  

So would that mean she would now get her own switch bonus without having to open another NW account, even though I couldn't?  She also doesn't have a debit card for the other account, but I see NW don't make that a requirement.

I'd give it a try and see what happens, but you probably don't have a case for a complaint if it doesn't work out.

What's the worst that could happen right?

FWIW - the general advice is don't switch joint accounts because it blocks both parties from a future switch incentive. Nationwide have been the exception since their switch offer can be had once solely and once jointly, but always check the terms.

PRAISETHESUN

rider22 said:

PRAISETHESUN said:

yourlocalcheesemonger said:

So who's attempted the triple crown? 

(switching to NatWest, RBS, and Ulster simulatneously)

Ulster didn't like me when I tried to open an account last year, but I have an NatWest and RBS account I'm switching into atm. Switches should complete next week, so lets see how it all works out.

so are you applying for both of them simultaneously?

Apologies for the delay in replying, but yes I'm switching into both NatWest and RBS simultaneously and seeing what happens.