The fact the logo isn’t even vertically and centrally aligned on the front is particularly irksome.
2 Likes
Got the same and it looks way nicer than what is being sent out now
Suppose my Drummonds cheque book will look similar to the new C&C one when it eventually arrives
2 Likes
I’ll keep ordering until I do get one 
Next attempt will be to order one via an ATM as saw the option there when I was at a Nat West branch on Friday
My Coutts chequebook still has the same design from the early 90’s.
Thinking of upgrading an RBS account to a Premier account. Not sure if I can be bothered with having to provide all the docs again though.
Anyone got any advice if it’s worth the upgrade? Is the process easy or fairly complicated/time consuming?
Did you have to supply any docs etc?
What’s the benefits of it? For me it is the increased payment limits.
Okay cool.
I take it no “fancy” cheque book or card with them ahah.
The novelty with my Coutts cheque book still hasn’t worn off yet or subtly using the card. Still gets the odd look.
Does anyone know if the £10.00 overdraft buffer applies with RBS? Their website doesn’t provide any information on this, maybe I’m missing something.
I’ve read a document online from RBS but this is dated 2016.
I don’t have an overdraft and my account went overdrawn by 0.97p, I immediately put the funds in (same day) to cover it, but I wonder if I’m going to be charged the daily fee.
It was a TFL fee which was pending at 0.10p and then settled obviously at a much higher amount.
I’ve contacted RBS and they’ve said I won’t be charged but wouldn’t comment whether there was a buffer. Just reiterating that I would not be charged.
Deffo need to leave my account with a rolling balance to avoid this in future.
EDIT:
Just found this on MSE (its been scrapped):
- Overdraft buffers will also be scrapped on almost all accounts. Currently, these let you go into your arranged or unarranged overdraft by between £10 and £500 (depending on the account) without incurring fees or interest – but this will no longer be the case. The only exception is for the NatWest and RBS graduate account, which will keep its buffer of up to £2,000.
https://www.moneysavingexpert.com/news/2020/01/rbs-and-natwest-announce-overdraft-fee-hike-/
Usually if you add extra the same day it doesn’t charge in my experience but it’s been a while since I ever did that.
1 Like
Tell me if im wrong but I think only hsbc gives 25£ buffer for all accounts without conditions.
Yeah I believe so, this is what I’m used to. I’m just new to the NatWest Group so trying to get my head around their fees.
1 Like
All except the basic bank account, yes. I have £500 interest-free on my HSBC Premier.
Out of curiosity, Is there anything wrong with having a 500£ interest free overdraft (hsbc/barclays/rbs etc) just laying around and only being in overdraft like once a year? How does it affect credit report and would it affect my change of getting a cc?
Won’t affect it at all. Unless you’re sat in your overdraft all the time it won’t factor in to anything.
I used to dip into my first direct overdraft every month because the account only had enough in it to cover bills and I got paid on the 1st, so it’d go into the negative when all the bills went out. Was always paid back later that day and never caused any issues. So if yours is unused it won’t affect credit applications.
1 Like
No - I have overdrafts on all my current accounts and never use them. Perfect scores with all CRAs, so they obviously don’t think that there’s anything wrong with it 
(Inb4 “it’s a made-up number”, etc.)
3 Likes
4 Likes
Which bank offers the best investment portal/account?
-NatWest/RBS
-Lloyds Bank
-HSBC
Looking to invest in some shares and funds but not sure whether to do it through a bank or another financial provider.
Ideally, I don’t want it to be with someone who has a mobile only app.
I use Wealthify and have no complaints.
I like things together but not overly bothered given that I don’t need/want to check it that often. I tend to only remember when I get the monthly email to say that they’ve got my deposit.
Interactive Investor for S&S ISA and SIPP.
Both allow you to buy ETFs, Funds and shares with free regular investing. Flat fee structure makes it good also for larger portfolios, and takes away any guesswork in charges!
I’m not 100% sure, but the junior ISA was one of the reasons I chose them. I wanted both together and I wanted one that family members can top up directly. I did some research (10 mins on google) and Wealthify seemed like a good fit.
2 Likes