mc2fool wrote:Lootman wrote:The advisor appointment was with an institution with whom I had no existing relationship. So the question of whether I was a Digital Exception or not did not arise. I don't think I mentioned the sum and so it could not have been that either. So it must be the dodgy thing.
Yes but on looking I see Skipton have accounts that can be opened (by the looks of it, instantly) and operated online and what looks like exactly parallel "branch" accounts for Digital Exceptions, e.g. this one.
So did they tell you you could open the a/c online or by phone, and you say, nope, I want to do it in branch, or did they just assume that 'cos you'd walked in you'd be up for a (ridiculous) 10 day wait to have a (ridiculous) appointment, just to open a savings a/c?
I think they assumed I wanted a "branch" account since I walked in. Looks like the rates are the same either way. Presumably I could have opened an online account without the "advisor" or 10-day wait. Although in my case online there might have been a delay in getting my ID docs to them whereas in the branch I can just hand them over there and then.
If NatWest had had the same kind of "parallel" offering then I probably would have gone with them, and of course they already had all my ID docs. Instead NatWest have the Digital Exception Team, which as far as I could tell is basically a bunch of people sitting around dealing over the phone with people who do not have online, phone or app banking, and doing the data entry for them.