Pretty quick in app / website if I recall correctly. Takes a couple days for the account to show.
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So RBS have finally responded to my complaint after initially saying it didn’t go into an unarranged overdraft.
I want to start by apologising that we didn’t investigate this properly from the outset. After reviewing your account and the details you provided, there’s no doubt the previous response was incorrect.
You have indeed been allowed to go overdrawn more than once on your Foundation account, and these instances coincided with round-up transfers from your Foundation account to your savings account.
The round-up feature itself is working as intended, but the reason this happened because the system does not factor in pending card payments when calculating the balance to move.
Debit card payments are guaranteed to the retailer but often take a couple of days to clear, which is one of the rare instances where Foundation accounts can go overdrawn. If your balance is close to zero and there’s a pending card payment, other transactions, such as round-ups, can overlap and take the account overdrawn, even on a Foundation account. This could happen again in similar circumstances.
I can reassure you that these small round-up amounts and the short time your account is overdrawn would not negatively affect your credit file or raise concerns with the bank. You’ve always noticed and transferred funds back within a couple of days, which helps prevent any impact.
Recently upgraded my RBS account to a Premier Select account.
However, my account payment limits are £20K per day. The app doesn’t seem to have changed much apart from the account name changing from Select Account to Premier Select
Is there usually a few days to wait for everything to update or does it happen instantly?
So far, only received an email to say they’ll me sending me a “welcome mail”. I presume this will be via post.
Any advice from people who’ve upgraded on how long things take to update?
What are you expecting to change?
My account payment limits to increase from £20K to £50K.
I’ve had no correspondence about the features of the account or who my Premier Manager is.
Upgraded from Select To Premier but payment limits seem to be the same.
I thought payment limits were meant to increase once you joined Premier??
Do you need the higher limits? Have you asked Nora?
Ideally, yes.
We’ve recently completed on a property sale and are having to move quite a chunk of money around.
Disappointing that they say they offer higher limits but still no increase.
I have tried to ask Cora but no use. I was in a 6 hour queue when I last tried.
Trying to ascertain from other users here who’ve upgraded how quickly their limit changed and they were made aware of the features/benefits of the account.
You might get a quicker response if you tag the users that have mentioned upgrading.
NatWest usually does things within a few working days, I think 3-5, but if that has lapsed maybe just give them a call to resolve it.
Not going to be of much use, but both of my upgraded RBS and NatWest accounts have the 50k limit - so can only assume it will happen at some point, but can’t tell when since they don’t send any notifications.
I suggest calling the premier line to ask, Cora is goddamn useless.
Thanks.
Did you have to speak to the Premier Team/Manager first to get everything up and running?
I’ve scheduled a call with them this week.
Hopefully it gets sorted. Not a good first impression.
No, I avoided the PRMs like plague, their only interest is upselling and have been useless for even the mildest issues. I only call the premier line when needed and that works decently.
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Is this her new name? 
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yeah I couldn’t remember for the life of me what it was called.
@AlanDoe sorry to tag you but seen other people tagged you so you must be the guy. What is happening that people are getting comments flagged and hidden, can you please take a look into this to see if it’s AI or a troll abusing flagging privileges
It’s an AI moderator. It put a word in, which sounds like pony-fans and it didn’t like it.
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Ah so like my trick word, like pack except replace P with H
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So they have now setup my account correctly.
Limits increased, logo changed and recieved a welcome email from the Premier Manager assigned to me.
I received an app prompt today asking me to call the bank to speak to the Premier Team for my initial welcome call. Is this necessary?
If it’s going to be a sales call as others have said I’m entirely not interested.
I also noticed on their website under the Premier section when trying to find a contact number for the Premier team that they have a number for customers without a PBM and another number for those who do.
Mines the latter it seems. I thought everyone had a PBM regardless.
All customers used to have a PRM/PBM but apparently some are more equal than others these days (clearly based on some unpublished metrics).
I had an initial call with some, completely ignored others. Never heard back from either. Calls are entirely for upselling mediocre products.
I’m looking at potentially upgrading my account to Premier Black.
Does anybody currently have the account? Do you find it useful?
I’ve done a cost analysis and I would benefit from the majority of not all of the benefits.
However, I would like feedback from users who currently have the product.
I did have the Black for a while, biggest benefit to me was the Premier Black Reward Credit Card is fee free, I did use the lounge at Heathrow and Luxembourg and to be fair it was a mediocre experience as the lounges are the ones you can pay to go in so was full of the great unwashed, compared to airline specific ones where you usually need a frequent flyer or business class to get in.
Never used the insurance so can’t comment.
Just got an email from RBS they are allowing me back into a Premier Reward, they had declined me and I used their online appeals process. So it’s bye bye Monzo for the 3rd time this year
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