My NatWest account is staying open simply so it’s there in case I ever need it such as needing to pay with cheque or pay in cheques or cash, then promptly moving to Monzo.
I’ve even moved money from Monzo to NatWest so I can use Apple Pay…
Not a case of struggling to let go, but just more practical keeping it around.
But I’m essentially “full Monzo” with salary and bills all now moved across. Was going to wait for CASS and it took a few hours to move everything over manually and more phone calls than it should do in this day and age (half expected most companies to allow you to change bank details online, but no such luck). Was well worth it though.
I just couldn’t bear the constant lack of clarity with NatWest anymore. Contactless payments appearing days after I made them, no itemised visibility of recent transactions etc. and the extortionate fees.
One of the last transactions that left my NatWest account was for 67p. That happened because I only had £14.32 in my PayPal account and my family Spotify subscription was taken from there. Because I didn’t keep an eye out on my NatWest account for a day, I missed that this 67p transaction put me below £0.00 and so it was returned unpaid. That mistake cost me £8 in fees. I’m still fighting that one but because I’d had some charges refunded this quarter already they’re refusing to refund the £8. I partly suspect a certain amount of vindictiveness on their part because they know I’ve moved everything away Either that or I just spoke to a jobs worth, but we’ll see.
Anyway, old bank? Good riddance.