need a bank account! (bad credit history)

estate

hi, this is my first post on here, i would like my own bank account but i've got a really bad credit score ( 271!!!! ) and 1 ccj, are there any banks that will let me open an account? i tried smile.co.uk today and got refused

izools

Co-Operative Cashminder, Barclays Cash Card Account, and Lloyds TSB Cash Account.

All three offer a full VISA debit card, and are targeted at people with bad credit. I prefer Lloyds TSB out of those banks.

sscott5581

If you credit rating is bad a basic account may be an option.

There are few to choose from -

Lloyds Cash Account - come with visa debit card (however withdrawls from Lloyds ATM only), online banking

Barclays Cash Card Account- comes with visa debit card, online banking (if not bankrupt)

Coop Cashminder - comes with visa debit card. online banking

Halifax/Bank of scotland Easycash - comes with visa electron card, online banking

Natwest/RBS Step Account - comes with debit card (not sure if its still solo or visa debit), online banking

Hope that helps, good luck!

cifpower

http://www.moneymadeclear.fsa.gov.uk/pdfs/bank_accounts.pdf is a detailed list of basic bank accounts and what they come with