Natwest Chat

Mine would just be

“Sky, you seem to spend a lot of money on TFL, Amazon and Tesco”

I don’t mind Natwest, as a totally blind user, their app used to be really inaccessible, all the buttons weren’t labelled well with screen readers on the IPhone, I put in a complaint, The RNIB (Royal National Institute For The Blind) got involved back in 2015 and since then, their app has always been very accessible!

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I stupidly closed my Premier account with NatWest recently - anyone know if I re-apply they’ll accept me back?

Wasn’t using it at the time but after doing the rounds, have landed on them for my main account.

Any one have any experience with this?

If you still qualify I can’t see why not

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Been told that because I have a Visa and a Mastercard on my account I can’t have the Travel Account.

What if your a customer with only Visa but you want the travel account? Do you just deal with it?

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You move to monzo.

Deal with it or just open one of the many other accounts that offer fee free spending abroad.

So in an update on iOS for the app it said about voice biometrics being introduced and also for credit cards, maps and icons.

On the down side, I opened a savings account, it was successful but it I have to wait for them to open/make it available. I think this is where they show some of clunky / old systems behind the scenes. I do like the app, it’s good but it’s a bit of smoke and mirrors too.

Until Monday I had a NatWest credit card with £13.18 on it. I paid off the balance and asked for them to close the account. I received an e-mail yesterday saying the card/account was closed and there was a message for me in the app. When I went into the app it had reset and didn’t recognise my details. Fair enough, all closed.

Today they took the full balance Direct Debit payment of £13.18. I can’t remember my customer number so the online chat agent couldn’t help me. I hardly used the card so all I have is my card number written down - I cut up the card… They gave me a number to call the credit card team.

Before I go into phone centre hell, do you think they’ll just return the payment when the system realises the card doesn’t exist anymore, or is it worth phoning?

Direct debit indemnity with your bank.

Call them. They are likely to leave the card open with the credit balance.

Slightly surprised you would suggest this as NatWest haven’t done anything wrong in this instance.

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Balance is paid off, but they still took another payment.

It’s an error, covered under the guarantee.

I suspect it’s not an error.

Either the payment was made too late to amend the direct debit and/or NatWest are one of the credit card issuers who do not change the amount collected to reflect and payments.

The balance was paid off on Monday and the direct debit collected today - so could easily be the first reason.

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It’s still possible to raise through indemnity, NatWest will agree it’s not owed.

The payment could also revert back automatically by 5pm tomorrow if there’s nowhere for it to go.

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Thanks for the suggestions. :slightly_smiling_face:

I’ll wait until Friday morning and if it’s not appeared back I’ll call them. If there’s no luck from them I’ll contact my bank as it’s a direct debit.

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I agree. To be fair, even if it wasn’t, banks are usually pretty lenient but warn you they’ll redebit if the merchant disputes it. One of the banking groups I worked for used ServiceNow with some sort of algorithm to work out if it was worth checking, presumably based on cost etc?

I have seen countless times people trying to raise this to essentially get money in their pocket until the redebit leaves them destitute. Thankfully, the current employer are much more risk adverse from what I’ve seen.

What I’m saying is, if it’s your dough, just do it. People raise false ones all the time*

*Get a relationship exit from the bank

New NatWest existing customer switch offer!

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If only there was a thread for people to post switch incentives… :thinking:

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To be fair they are new and at the very least posted it in the NatWest thread and didn’t create a new one.

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Do NatWest allow multiple Premier Select accounts? I.e. if you have a Premier Reward account and a standard Select account will they allow you to upgrade the standard Select to a Premier Select?