Ah nice, thanks both! Surprised that’s still the case these days but I’ll trust it has actually been set up.
It appears to show up late evening the working day before it is taken from your account. You also get a push notification saying that the first direct debit has been taken on the day itself.
After that, there are no more push notifications for the direct debit but the date of the next collection always shows in the list of DDs late evening the working day before collection.
I had two DDs collected today (Monday) and they showed today’s date in the DD list late Friday.
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Does anyone know if you can move your credit limit between NatWest Credit Cards?
E.g. have £4k on the NatWest Card and £1k on the Travel Rewards Card, would much prefer a higher limit on the rewards card…
As far as I know they don’t.
In my experience they never offer limit increases either, at least when you request one. Rejected a request of an increase of £500 but their eligibility checker approves me for a new card with a limit of £8,100.
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I recently requested a limit increase on my rewards card and while they didn’t raise it as much as I wanted, they did raise it from £10,450 to £11,800.
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At least some evidence it is possible! 
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I got an increase on a travel reward from like 3k to 4k on request. Again, not big, but something I guess.
I use Google wallet, and the logos for all 14 cards, from various providers, are all aligned top left.
I currently pay the full amount of my credit balance every month via direct debit. Does anybody know what happens to your direct debit if you manually pay off all or part of the balance a couple of weeks before the direct debit is due?
I can’t find the answer to this on their website, Cora doesn’t understand the question and when I phoned they had no idea!
When I set one up on my RBS card a few weeks ago I’m sure it said anything up to 6 working days before the due date would amend the direct debit payment, after that it may not. A few weeks will be plenty of time.
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Yes, if you pay off full balance then it does amend the direct debit. I’m always doing that, as I have the direct debit as a safety net to ensure I always pay the minimum.
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Thanks both. I thought it would be enough time - I just wasn’t certain whether it would adjust the DD. I’ve had cards in the past where the full DD has been taken regardless, giving me a credit balance on the card.
I’ve had that a couple of times, I think sometimes also if you pay the full amount but there’s still a balance because of subsequent spend they can also still take the full amount which I find odd, I would expect it to only be relative to the statement balance.
I have a couple questions about Premier accounts, hopefully someone here has the answers:
- When NatWest say you need a “Minimum of £100k sole income or £120k joint income paid into your NatWest account” do they mean they want to see an actual salary of that amount paid in, or just a total of £100k/£120k paid in over the course of the year from any source? (I ask because I get paid in USD to a US account and then move a percentage over each month using Wise, if I send a higher percentage over and include various allowances such as housing and education I would definitely pay in more than the minimum, but I don’t know if NatWest would see the Wise transactions as “salary”…)
- For those of you who have Premier Black accounts, do you generally consider them worth it? The jump in monthly fee is substantial, are the mobile phone/travel insurance benefits better than what Monzo offers? (I’ve heard horror stories about Monzo’s insurance partners coverage, is it the same with what I’d get with a NatWest Premier Black account?)
I can chip in as have good experience on both.
Premier status is an automated check looking at inbound payments from “work”. Not sure what the rules are, but personal transfers definitely won’t count. They will be looking for a payment of a rough matching net value (~£5000 I think?) in the last 30 days. I.e. even if you had a real salary paid in 2-4 months ago it won’t be picked, it has to be fresh (guess why I know!).
Premier black I’ve toyed with on both NatWest and RBS. Currently have it but thinking to close it again. If you value insurance that’s good - I used the home emergency and it worked really well. Priority Pass will be down to your travels. Concierge personally I think it’s a gimmick. But all in all it does feel a bit overpriced particularly if you get some of the insurance elements through other channels. PP is cheaper from specialised cards.
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I have RBS Premier Reward Black but have always paid my salary in, so never had the issue.
On the insurance side, I think both Monzo Max and Nationwide Flex plus (plus the new Santander Edge Upside Down or whatever they called it) are cheaper, but with all insurance it’s about who is providing in and what the restrictions are:
For example I was disappointed to see my tablet is not covered by mobile phone insurance (which is kind of understandable but meant I couldn’t drop AppleCare)
I used Dragon Pass on a couple of occasions but the lounges were not as good as the airlines own lounges and usually busy as they allow any one in that pays. In fact when I went to one in Heathrow T3, it was so busy and they told me I should have booked ahead of time.
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Guys,
Sorry for one quick question, if I’ve the NatWest Premier, it’s necessary to keep RBS Premier ?
Necessary? No. They’re too completely separate businesses but with almost identical products
Then again, two sets of rewards comes to mind..
Just as a quick update, I decided to go ahead and apply last night to change my Rewards Platinum account to a Premier Rewards Black account and I just got an email saying it was already approved! I didn’t have to provide any proof of income at all, I assume they just ran an automated check on what has been paid in over the past year maybe? Honestly I expected to either get turned down and have to appeal or at least get asked to show proof of income, since the vast majority of what I paid in just comes in through Wise.
When deciding whether the £36/month would be worth it I started from the base idea that we were already happy paying £22/month for the rewards platinum account (to get the travel/phone insurance, car breakdown, etc.). So a £14 difference in monthly fees going to the Premium Black account: Black gives us another £5 in automatic rewards (£10 for two direct debits and monthly app login, versus £5 on the old account), a slightly higher credit card reward rate which will get us another £6.25 in rewards each month, so really we’re only paying an extra £2.75 for all the other benefits the Black account will give. The main one being better (and more available) customer service, which I think is worth the extra cost by itself… For example, my wife has been having issues with her credit card (additional card holder on my card) frequently being blocked for no apparent reason, even after multiple calls to customer service and a visit to a branch. I am assuming (hoping) something like that just won’t happen when we switch to the Premium Black credit card.
I will also admit I am looking forward to the black debit card and credit card too - I never really cared about those kinds of things before but I won’t lie to myself and say I’m not excited to get them!
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Congratulations! If it’s ok to ask how much did you actually pay in each month via wise to get an auto approval?