No banks giving me accounts?

mrstewieo

I have a Current account with RBS, with a £50 overdraft and also a £100 cheque guarentee card.

I'm wanting to move banks as I REALLY don't like RBS.

I have checked my credit report and I have no defaults, and only 1 or 2 missed payments on catalogues.

I've been trying to get a bank account with another provider but they all seem to be rejecting me, does anyone have any ideas why?

DCFC79

Why is it you dont like rbs,

Lokolo

Whats the other provider?

glider3560

DCFC79 wrote: »

Why is it you dont like rbs,

I bet I can guess. They've had bank charges and think the grass is greener.

pmduk

You'd find it easier to get a basic bank account, though that won't come with an overdraft or cheque guarantee card.

jonesMUFCforever

Even good accounts no longer get cheque guarantee cards.

Kitkat19

I'm having a similar problem, I'm 19 and I've been trying to upgrade my account at Nationwide that I've had since I was a child to a Flexaccount with a debit card. But am having problems due to have no credit rating. At the moment I only have a cashcard and have to use atms all the time. I've spoken to the bank many times, but they keep saying that i need to have a job and have money going in regularly and build it up and eventually my credit rating will build up, but I've had a job for the last year and a half, have roughly £100 to £200 or more going into it every week and no more than £100 going out for rent and such, and have about £2000 worth of savings. But this seems to make no difference they keep telling me there's nothing they can do, and to come back in a few months. It's too frustrating to have to keep borrowing my friends' and families' cards to buy things.
I have also tried other banks and applying for student accounts since I'm going to University next year, but everywhere is rejecting me due to no crediting rating and as I understand then making my credit rating even lower.

book12

Kitkat19 wrote: »

I'm having a similar problem, I'm 19 and I've been trying to upgrade my account at Nationwide that I've had since I was a child to a Flexaccount with a debit card. But am having problems due to have no credit rating. At the moment I only have a cashcard and have to use atms all the time. I've spoken to the bank many times, but they keep saying that i need to have a job and have money going in regularly and build it up and eventually my credit rating will build up, but I've had a job for the last year and a half, have roughly £100 to £200 or more going into it every week and no more than £100 going out for rent and such, and have about £2000 worth of savings. But this seems to make no difference they keep telling me there's nothing they can do, and to come back in a few months. It's too frustrating to have to keep borrowing my friends' and families' cards to buy things.
I have also tried other banks and applying for student accounts since I'm going to University next year, but everywhere is rejecting me due to no crediting rating and as I understand then making my credit rating even lower.

Try opening a basic bank account. Most of them come with a debit card: http://www.moneymadeclear.fsa.gov.uk/pdfs/bank_accounts.pdf

izools

IME, Barclays can be a good bet. Open a cashcard account with them (isn't credit checked atall), which comes with a Visa debit card, and as long as the account is run properly (no instances of overdrawn and no charges with good turnover) for six months they should happily open a full current account. They have with me and I was only discharged form Bankruptcy last March!!