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Basic Bank account needed without credit checks
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# 1
mikeb222
Old 15-01-2007, 2:29 PM
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Default Basic Bank account needed without credit checks

I need to get a new basic bank account pretty quick as i'm starting a DMP with Payplan and my current Bank(Halifax) are owed over 7,000.

I tried Co-op but aborted the application when they mentioned credit checks.

Does anyone know of a basic account without credit checks as I definately wouldnt pass?

There was a table somewhere on this site but I cant find it.

Thanks
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# 2
EEK!!!
Old 15-01-2007, 2:37 PM
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I personal have an easycash halifax account but obviously that's a no no. I've heard that the Natwest Step account is pretty good and you can apply online.
Hope this helps and good luck.
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# 3
artic fox
Old 15-01-2007, 2:39 PM
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i got a basic account with abby easy and didnt matter bout credit check as went basic
i have an intermittant connection so sorry if i dont reply straight away
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# 4
bev79
Old 15-01-2007, 2:40 PM
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Hi
To be honest I think they all do some sort of credit check now, but they're not allowed to refuse basic banking facilities. They do an ID check which shows on your credit report as well. My credit is diabolical but I have the most basic account with barclays (you can't even set up standing orders from them!). All you need is photo id (eg passport) and proof of address (eg utility bill).
Good luck!!
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# 5
Payplan UK
Old 15-01-2007, 3:04 PM
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Hi

It will depend who your debts are with but the Woolwich do an instant cash account that unless you have bankruptcy orders or a record of fraud will let you have an account that you can set up D/D and S/O and give you a debit card but no cheque book.
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# 6
moxie
Old 15-01-2007, 3:07 PM
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Co-op Cashminder basic account gives you d/ds and s/os plus visa electron and internet banking. Nationwide the same.
Total debt May 2005 83,232
Total Debt November 2009 0! DEBT FREE!
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# 7
moonlightpjs
Old 15-01-2007, 5:17 PM
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Try Citibank - there is a thread on it on the Budgeting/bank accounts forum - a lot of people, including myself (I have an absolutly terrible credit history) have successfully opened a bank account with them with a Visa Debit card.

You also earn 50 if you go through Quidco.

I don't know to post the link to the Budgeting thread but its right there near top of page, entitled: Recent Citibank Applicatant?

HTH, Good Luck!
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# 8
moonlightpjs
Old 15-01-2007, 5:19 PM
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Think I may have this right, try this link:-

http://forums.moneysavingexpert.com/...play.html?f=20
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# 9
mikeb222
Old 15-01-2007, 5:38 PM
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thanks guys
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# 10
Dotster
Old 15-01-2007, 6:35 PM
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Alliance & Leicester do a basic account, you can set up direct debits etc and you get an VisaElectron card. My daughters business went belly up and she had loads of debt but she got the above account. After 12 months of keeping in credit they automatically upgraded her to a visa debit card account.
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# 11
achtunglady
Old 17-01-2007, 4:26 PM
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Hi, heres a list of bank accounts and what they offer. My husband and I opened a basic joint account with Barclays with no problems.

http://www.payplan.com/pdf/bank_acc.pdf
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# 12
in_over_my_head
Old 17-01-2007, 4:36 PM
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Natwest Step account - you can apply on-line which was sooo much easier than when my mother opened hers in-branch. Mine was sorted within a week or so, she had to make 2 appointments and take loads of ID with her which took best part of a month!
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# 13
skintasusual
Old 17-01-2007, 6:46 PM
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The only checks they do are to check you are who you say you are, money laundering and fraud, that sort of thing.

Don't be put off!! LOADS of us have got these type of accounts no problem with HURRENDOUS credit ratings!!!
Proud to be dealing with my debts

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# 14
PaulW922
Old 20-01-2007, 11:07 AM
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Just to clarify - no bank *has* to offer a basic account - they have just agreed to because of pressure from the Treasury. Additionally some branches are difficult about basic accounts and will treat an application for one like an application for any other account. Some NatWest branches are notorious for this.

Some banks will not offer a basic account if your credit is diabolical but others will. I think that those where the decision is not taken in branch are probably best. Also - consider Nationwide building society who offer a cash card version of the Flexaccount.

Some banks such as Barclays (what a surprise!) don't allow standing orders (just DDs) and others such as Lloyds only allow use of their own ATMs and not the Link network. A clear indication in my view that they are only paying lio-service to the principal.

Last edited by PaulW922; 21-08-2007 at 10:42 PM.
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