What's the best feature of your legacy bank?

Probably because you were a new customer within that 30 days window where they tell people no to re-apply in case they had gotten a rejection. Most probably because your account was still new, just a guess.

Not sure if we can get anyone who had an older account and got hard searched.

I don’t really know what happens but I get no hard searches. One of the reasons that have made me stick around.

I tried additional accounts with Natwest and RBS, got hard searched each time, and so did Santander and FD.

When I got a second Nationwide account in 2023 and then a credit card, they just did soft searches for identity check and affordability. Previously they had hard searched me for an additional current account and the first credit card I had with them that I later closed.

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