What checks do banks make when opening current account?

moneysavingallday

I notice that when I opened my current accounts the banks have only done an Unrecorded Enquiry which is a credit search that other lenders do not see.

Is this how all banks check you when you apply for a current account?

If so, that's really good as it means you can apply for as many current accounts as you want and it won't look like you've been desperately searching for accounts since other lenders will be none the wiser.....

Sun

unless you apply for overdraft....

Lokolo

^^ as above. Current Accounts don't mean anything.

Only things where you have credit, credit cards, overdrafts, loans etc. will be marked.

moneysavingallday

I was offered overdrafts on both the accounts in question at the time of account opening and still they did not do any "hard" searches on me at all.

Extant

Sometimes we might call your mum to see how often you clean your room.

moneysavingallday

BarclaysManager wrote: »

Sometimes we might call your mum to see how often you clean your room.

That's great.