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1970 Williams and Glyn's Bank was formed to enable National Commercial Bank Group to rationalise its holdings by merging three constituents (all outside Scotland):
From 1970 all of the 326 constituent branches began trading as part of Williams and Glyn’s Bank.
1974 Williams & Glyn’s was the first clearing bank to introduce free banking for personal accounts in credit. It advertised itself as a friendly bank - an alternative to the larger high street banks - with shorter lines of command and a flexible approach to clients’ financial problems. The approach had wide appeal and the business proved successful and expanded rapidly.
1985 Williams and Glyn's Bank and The Royal Bank of Scotland, were fully merged as The Royal Bank of Scotland plc.