Can you get a UK bank account if you don't 'exist'

Ryan.Maloney

What if you were born in England, so have a British passport, but have lived in say, Sri Lanka or Timbuktoo since you were a little baby... so you don't exist on any electoral rolls (banks check the UK electorall roll for credit scoring)

[Suppose you just want a basic 'cash only' account so you don't need credit/overdraft etc.]

I understand they still want to credit check you. Why? So they can be sure they can whack you with those £30 fines for failed direct debits etc.!

Also, I've heard it's to stop 'money laundering'

mrcow

No you can't.

You need to have a UK address for starters.

lewt

Your Always After Advice On Scams Aint Ya? Wont Be Planning To Build Up That Basic Account To A Better Rating Then Doing The Off's With The Cash Would Ya?

kai666

Ryan.Maloney wrote:

I understand they still want to credit check you. Why? So they can be sure they can whack you with those £30 fines for failed direct debits etc.!

Also, I've heard it's to stop 'money laundering'

answered your own questions here!

Ryan.Maloney

mrcow wrote:

No you can't.

You need to have a UK address for starters.

I used to work for a bank

What if you are starting uni?

you need

-proof of id (passport)

- Proof of address (BT phone bill, electricity bill etc)

Ryan.Maloney

lewt wrote:

Your Always After Advice On Scams Aint Ya? Wont Be Planning To Build Up That Basic Account To A Better Rating Then Doing The Off's With The Cash Would Ya?

by the way, if anyone is even considering this, you would go to jail, it is a very very serious crime.

and no, it's not why I want to know.

Heth_2

I was born in England, have a british passport, and lived for almost all my childhood in Italy (ok, so not Timbuktoo..). I came back to the UK for university, had my passport, address at my Oxford college and proof of my place and had no trouble at all opening my first uk bank account, including getting a debit card, credit card and cheque book, and student overdraft.

MercilessKiller

Ryan.Maloney wrote:

I used to work for a bank

Another wasteful idiotic post.

For a start if you worked at a bank you'd be able to answer your own question..

Never mind as someone else pointed out you already did in the original post.

pink_phantom

Ryan. Maloney. Get a life. Another one of your many many idiotic pointless threads. A complete waste of time and space. GO AWAY if you can't think of anything of genuine use.

talksalot81

Why not go find a general forum for all of this? Mostly the threads have no real moneysaving value. Come on, you have told us elsewhere you are 25, you really should have quit with this sort of thing 10 years ago.

Ryan.Maloney

If you don't find my threads useful, then don't click on them (my name is next to each one that I start)

Simple as that

Whilst you may not feels it's useful, someone else might.

I am curious- I like asking questions.


You may have learnt by now I just ignore the geeky losers who try to preach morals to me etc.



And yes I used to work for a bank - several years ago so I wondered if the system had changed


I think the entire credit scoring system is very simplistic - it is based only on name and an address.



Okay, so I admit my thread about going to amsterdam to legally smoke a spliff was a bit pointless, but it does help you relax. Chill out man.