why is opening an account so hard 4 an 18yr old?

echo

where my daughter lives it's a small place with 4 banks.the last few days she's been back and forth 2 natwest and is so cheesed off.i've now told her 2 try another bank.she took her NI and medical card,birth certificate,tenancy agreement ( she shares the place with her b/f.privately rented) and finally an invoice with her name and addy on from vodafone-i sent off 4 free sims 4 her.she was told 2 go 2 the council yesterday and get her name down on the electoral roll and that they shud send her a letter-NO.they'll send her a voting card when it's necessary.she has nowt in her name and the nxt utility bill isn't due 4 mths yet so even if her name was on it it wudn't help now.how hard can it b? surely the vodafone invoice is as gud as a utility bill?

penrhyn

By law, bank staff must verify your identity and your address. They cannot use the same document to verify both. You can ask them what documents are acceptable. Common ones are:

* Gas, electricity, water or phone bill
* Council tax bill
* Driving licence
* Current passport
* Known employer's ID card
* Pension or other social security book
* Medical card
* Inland Revenue documentation
* Insurance certificate
* Mail order statement

If you do not have the sort of documents the bank accepts, talk to the staff and explain what sort of documents you can produce. Banks have special procedures to deal with such cases, which may involve consulting a more senior person or specialist part of the bank.

A mobile phone bill does not provide evidence that your daughter lives at the address, a utility bill provides proof because a service is being provided by the utility company to the property.

Not a fan of Natwest myself, better luck at the other banks.

exil

If I found a bank that didn't insist on this sort of security checking, I'd be very reluctant to give them my money.

echo

exil

this is true.i mean not everybody has a passport or indeed a current one-mine's out of date.i don't have a driving licence and neither does my daughter.don't no how she's got on 2day cos i haven't spoken with her.the ridiculous thing is she's basically wanting 2 open one now cos she wants 2 put sum cash in2 my bank acct.

jonesMUFCforever

Echo
Mobile phone bills can be sent to any address - which is why a lot of banks refuse to accept them to confirm address.
Please don't take this the wrong way but your texting style of posting is very irritating!
She is now an adult and therefore can get any one of the following to prove her identity - Tax coding letter from Inland Revenue, If she is sharing with boyfriend and it is a joint tenancy then her name should be on Council tax bill.

fannyadams

'k
here it is:
I don't own the house I live in - it's HWTHMBOs
ALL the utility bills are in his name.
my ID is my work ID with my name and photo on it.
I have a mobile phone - they don't accept mobile bills.
I bank on line so noone accepts the printed statements and a 'real' statement will cost £25 :eek:
My wages slips are on line at work so no joy there either.
Luckily I managed to get Halifax to accept my medical card & i had a recent letter from my solicitor to prove my address. except that this is now 'out of date'
I know where OP is coming form and you're right it is frustrating. I ended up taking ALL my ID with me (in different pockets) and touting round the banks til I found one that could help me.
Good luck!
Oh and I'd prefer it if EVERYONE wrote in complete garmaticle sentances and spled rightly two.

jonesMUFCforever

Fanny - you already have an account why do you want another?
You too can telephone the Inland Revenue and get a tax coding letter which is acceptable as identification.
Even if all property and bills are in your other half's name there is nothing stopping you registering on the electoral roll and that 's your address covered too!

Joe_Bloggs

@ejones999 and all
Financial institutions assume a certain amount of consumer inertia in many of their producs. Often it makes financial sense to chop and change financial products to get the best deal. This requires contemporary proof of ID and residence. The rates on Savings, mortgages and current accounts tend to 'yoyo'. See my signature.

Since fannyadams claims to be a biker mum what is wrong with getting a photo ID driving licence. This would work for the original poster's daughter too. The Halifax will accept a provisional photo ID licence, as proof of ID. The photo on application must be signed by a non-related 'responsible person' who has known you for at least two years. (See DVLA leaflet INF1D )
J_B. (Post a link to it if you can find it online else try the post office.)

kenshaz

exil wrote:

If I found a bank that didn't insist on this sort of security checking, I'd be very reluctant to give them my money.

The checks are enforced by the government to prevent money laundering in our Nanny State ,it has nothing to do with how secure your money is.

pcyam

I'm not sure with other banks but with Abbey a medical card will cover your name, and if you dont have any ID they can do a voters roll search to verify your address, therefore you dont need to provide address ID. But if you apply to go onto the voters roll say in Feb you wouldnt show on voters roll till June.

Also, there are some people which we can use the exemption process eg the elderly, where they may have difficulty in providing the preferred ID eg drivers licence, passport, credit card or debit card and statements, if they can provide things like utility bills, on voters roll etc the Branch Manager can do a Branch Managers Discretion but these are the last resort if preferred ID cant be provided.

HTH and Good Luck