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  • FIRST POST
    • AliceBanned
    • By AliceBanned 12th Jun 19, 10:33 AM
    • 2,526Posts
    • 1,192Thanks
    AliceBanned
    Closing RBS account
    • #1
    • 12th Jun 19, 10:33 AM
    Closing RBS account 12th Jun 19 at 10:33 AM
    Hi
    Whenever I've closed a bank account before I have done it over the phone. I want to close my RBS current account and it says online it has to be done in a branch with ID and PIN.
    Is there any way around this as their branches are not at all convenient for where I live!
    Thanks
    DFW. PayDBX 2019#163
    Debt at LBM: 18,335
    Current debt: 9,430
    Mort overpaid 800 EF: 180
    _________________________
Page 1
    • Sea Shell
    • By Sea Shell 12th Jun 19, 10:44 AM
    • 1,941 Posts
    • 3,318 Thanks
    Sea Shell
    • #2
    • 12th Jun 19, 10:44 AM
    • #2
    • 12th Jun 19, 10:44 AM
    If it's a current account, the easiest way is to switch it elsewhere, maybe for a bonus. It will then get closed as part of the switch.
    " That pound I saved yesterday, is a pound I don't have to earn tomorrow " JOB DONE!!
    This should now read "It's time to start digging up those Squirrelled Nuts"!!!
    • 18cc
    • By 18cc 12th Jun 19, 11:29 AM
    • 1,451 Posts
    • 1,065 Thanks
    18cc
    • #3
    • 12th Jun 19, 11:29 AM
    • #3
    • 12th Jun 19, 11:29 AM
    agreed - just switch it into another existing (or new) current account
    • fiat lux
    • By fiat lux 12th Jun 19, 12:07 PM
    • 8 Posts
    • 11 Thanks
    fiat lux
    • #4
    • 12th Jun 19, 12:07 PM
    • #4
    • 12th Jun 19, 12:07 PM
    I closed my RBS account earlier this year by sending a signed letter to my branch. I followed the instructions for "if you live abroad" (even though I don't live abroad). It worked.

    supportcentre-rbs.co.uk/Searchable/996981582/How-do-I-close-an-account.htm

    I live abroad and want to close my account

    If you are unable to close your account in branch, you can choose to provide the closure request in writing - the letter should be sent to the address of your account holding branch. This would need to include:

    Your full name
    The sortcode and account number of the account in question.
    Signed by the account holder(s)
    A contact telephone number
    A contact postal address

    If the account is overdrawn or has charges outstanding on it:
    A cheque for the outstanding balance written to yourself

    If the account is in credit:
    Details of what you want us to do with the money (e.g. send it to another account; write them a cheque for the amount).
    • penners324
    • By penners324 12th Jun 19, 12:25 PM
    • 62 Posts
    • 45 Thanks
    penners324
    • #5
    • 12th Jun 19, 12:25 PM
    • #5
    • 12th Jun 19, 12:25 PM
    CASS it to a new or current bank current account.
    • colsten
    • By colsten 12th Jun 19, 12:47 PM
    • 10,414 Posts
    • 9,609 Thanks
    colsten
    • #6
    • 12th Jun 19, 12:47 PM
    • #6
    • 12th Jun 19, 12:47 PM
    I agree with the posters who recommend switching, possibly for a bonus. It is now by far the easiest way to close a current account, certainly if it's a sole account.
    • xylophone
    • By xylophone 12th Jun 19, 1:24 PM
    • 29,840 Posts
    • 18,259 Thanks
    xylophone
    • #7
    • 12th Jun 19, 1:24 PM
    • #7
    • 12th Jun 19, 1:24 PM
    The easiest way is indeed a CASS switch - try for a "switching bonus" if available.
    • AliceBanned
    • By AliceBanned 12th Jun 19, 2:30 PM
    • 2,526 Posts
    • 1,192 Thanks
    AliceBanned
    • #8
    • 12th Jun 19, 2:30 PM
    • #8
    • 12th Jun 19, 2:30 PM
    Thanks everyone I seem to have used up all my switches. I've switched to M&S, Halifax, HSBC, First Direct and possibly more. I might hold onto it in that case but wanted to close due to upcoming mortgage application. I have a Starling account that I don't use as well so maybe it will be easier to close that. I don't want too many unused accounts open but I agree a switching bonus would be a good option if new ones come up!
    DFW. PayDBX 2019#163
    Debt at LBM: 18,335
    Current debt: 9,430
    Mort overpaid 800 EF: 180
    _________________________
    • penners324
    • By penners324 12th Jun 19, 3:30 PM
    • 62 Posts
    • 45 Thanks
    penners324
    • #9
    • 12th Jun 19, 3:30 PM
    • #9
    • 12th Jun 19, 3:30 PM
    Starling lets you CASS another account into it in the app.
    Very easy to do.
    Why not CASS your RBS account into your Starling account, and any other unused accounts?
    • colsten
    • By colsten 12th Jun 19, 3:31 PM
    • 10,414 Posts
    • 9,609 Thanks
    colsten
    I don't believe open current accounts will work against you, particularly if they haven't got an overdraft facility, or an actual overdraft.

    Shame you missed the Santander switch offer but there are still others you haven't listed, like TSB and Nationwide.
    • colsten
    • By colsten 12th Jun 19, 3:34 PM
    • 10,414 Posts
    • 9,609 Thanks
    colsten
    Starling lets you CASS another account into it in the app.
    Very easy to do.
    Why not CASS your RBS account into your Starling account, and any other unused accounts?
    Originally posted by penners324
    Starling don't pay a switch bonus. It would be a shame to sacrifice an perfectly good donor account.

    You are, of course, correct, technically, the RBS account could be switched to Starling, or the other way round. RBS do have a switch offer at present.
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