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Natwest gold account

Discussion in 'General Discussion' started by Aruffell, 7 Jul 2006.

  1. Aruffell

    Soldato

    Joined: 29 Dec 2004

    Posts: 5,669

    Location: Chatham, Kent

    I've been looking into this as it offers some good benefits like cheap insurance for this, that and the other.

    I can see that it's £12 a month though although someone the other day told me that they got it for free.

    This correct or were they lying?

    Anyone else got it? At the moment i'm on a standard current account.

    Thanks,

    Andy
     
  2. Otacon

    Capodecina

    Joined: 10 Jan 2004

    Posts: 21,923

    Location: All over

    Employees get it for free I believe, never heard of anyone else getting it, but I'm sure they could do it if they wanted.
     
  3. Efour

    Caporegime

    Joined: 8 Sep 2005

    Posts: 26,635

    Location: Norrbotten, Sweden.

    I have a gold account and yes its £12 a month used to be £10

    THeres loads and loads of advantages and offers they have, i personally dont have any of them but its worth looking into.

    I just like the extra respect i get when visiting my branch. :D
     
  4. D4VE

    Sgarrista

    Joined: 23 Oct 2003

    Posts: 8,899

    Location: Hampshire, UK


    What a waste of money.
     
  5. stig

    Gangster

    Joined: 30 Aug 2005

    Posts: 396

    Location: The M of K

    get yourself a Amex Platinum card , then youll really see respect :cool:
     
  6. Efour

    Caporegime

    Joined: 8 Sep 2005

    Posts: 26,635

    Location: Norrbotten, Sweden.

    depends how much £12 bothers you i spose.
     
  7. D4VE

    Sgarrista

    Joined: 23 Oct 2003

    Posts: 8,899

    Location: Hampshire, UK

    But if you dont use the benefits then you might aswell get an account with no monthly charge?

    Dont mean to sound harsh... :)
     
  8. Efour

    Caporegime

    Joined: 8 Sep 2005

    Posts: 26,635

    Location: Norrbotten, Sweden.

    Spose you can say that point taken :O

    My bank treat me pretty well. With the nature of my work My account fluctuates so much and i do now have an big overdraft interest free.

    With all this in mind the £12 is probably what id pay in interest now and then anway.
     
  9. [email protected]

    Wise Guy

    Joined: 30 Apr 2004

    Posts: 1,675

    Location: Newcastle

    dont really want to create another thread so i may aswell post in this one..
    im 19 and need a credit as a backup to be honest, can anyone recommend a credit card which doesnt require any annual fees or any cost unless you use it, low rates on purchases etc and just generally a good low-cost card.. thanks :)
     
  10. NumptyUK

    PermaBanned

    Joined: 24 Dec 2002

    Posts: 474

    Location: Chelmsford, Essex. Bling Bling

    ive got one and dont mind the 12 a month really. I get a discount on my loan which is the main thing, that saves me more than 144 a year anyway, i get the travel insurance on my holiday as well although im not sure if you get that with the regular credit card/account.
     
  11. sunama

    Capodecina

    Joined: 18 Oct 2002

    Posts: 15,968

    Location: NW London

  12. 50/50

    PermaBanned

    Joined: 24 Jul 2003

    Posts: 2,585

    lol the gold card is hardly exclusive. Pretty much anyone can get it, you only need to earn £15k a year. The platiunum is better at £25k, but black is the best at £75k. The gold is just like any other card.
     
  13. Borris

    Caporegime

    Joined: 25 Oct 2002

    Posts: 30,410

    Get the account without the premier card, and it's free, but you still have the benefit of a personal manager.
     
  14. Efour

    Caporegime

    Joined: 8 Sep 2005

    Posts: 26,635

    Location: Norrbotten, Sweden.

    Gold account is a type of Natwest current account, not to be confused with credit cards.
     
  15. Burned_Alive

    Capodecina

    Joined: 18 Oct 2002

    Posts: 11,688

    Location: Cheshire

    Shame you cant use it anywhere :p
     
  16. Borris

    Caporegime

    Joined: 25 Oct 2002

    Posts: 30,410

    In which case the Ts&Cs have changed since I've had mine - the premier gold was connected to the premier card, and the fee was paid for the credit card.
     
  17. stoofa

    Capodecina

    Joined: 4 Mar 2003

    Posts: 12,133

    Location: Chatteris

    The list of benefits as per the NatWest website:

    Annual 5-star travel insurance
    Mobile Phone Insurance
    £5,000 Identity Theft Insurance
    £10,000 accidental death benefit
    10% off car insurance
    25% off home insurance
    Extended warranty
    Travellers Cheque Card
    Commission-free travel money
    Travel service
    Worldwide hotels
    10% off home electrical goods
    20% off CDs and DVDs
    20% off UK attractions
    Total value £765* Potential
    Advantage annual fee
    (i.e. just £12 a month) £144
    Your potential savings £621

    http://www.natwest.com/personal02.asp?id=PERSONAL/DAY_TO_DAY/CURRENT_ACCOUNTS/ADVANTAGE_GOLD

    Cannot seem to get the full details on all the different elements so I guess you'd have to call into the branch and grab a leaflet.
     
  18. Jimmeh

    Wise Guy

    Joined: 3 Jan 2004

    Posts: 1,805

    Location: Chislehurst

    If you're going to use the benefits, why not pay the measly £12. I used to have a Natwest Gold account and used a few of the benefits which used to easily subsidise what was then a £10 monthly charge.

    I am now an Advantage Premier holder which, frankly, is quite nice :)
     
  19. NickXX

    Soldato

    Joined: 19 May 2005

    Posts: 7,037

    What benefits do you get with this card?
     
  20. n3vrmind

    Wise Guy

    Joined: 1 Feb 2004

    Posts: 1,439

    Location: Loughborough

    when they introduced the phone insurance, natwest decided to mailshot all their AG customers in 7 days, our web servers have never been so hammered and the IVR was coded in just a few weeks, they had every man and his dog trained up and on the phones taking calls to keep up with demand, people from finance and marketing, even some of the senior management

    was an interesting week to say the least