bank account for daughter will they check us

no_pennies

hi just trying to help my daughter set up a bank account shes 16 with a sat job going to coll in sept and should be able to claim ema just worried that the bank will credit search us (were in a dmp credit ruined !!!) and am worried this will effect her getting a bank account, after looking on here and taking advice from some of the posts i have made an appointment with natwest (not one of our creditors )what do you think ?? i dont want her to find out were up the creek and this to affect her future credit thanks in advance no pennies

CLAPTON

credit ratings apply to individuals so her rating will have nothing to do with yours

Lokolo

Why make an appointment?

These are the ones I usually suggest

http://www.lloydstsb.com/current_accounts/under_19s_account.asp

http://www.hsbc.co.uk/1/2/personal/current-accounts/under-18s

there is a Halifax one somewhere....

Just apply online, don't need to go into branch and spend an hour speaking to some crappy bank clerk telling you stuff you don't need to, getting you to open a crappy savings account etc.

onlypaddy

agreed....if you go in to the bank then they will simply try and flog you a lot of rather useless accounts with pitiful interest that you neither want or need!

no_pennies

thanks for the replies i thought she had to prove who she is !! theve asked for passport something with her name on and adress to prove shes who she says she is are you saying she can open an account online without proof of who she is ?

glider3560

no_pennies wrote: »

thanks for the replies i thought she had to prove who she is !! theve asked for passport something with her name on and adress to prove shes who she says she is are you saying she can open an account online without proof of who she is ?

They will ask for the ID later. If you apply online, they send a letter asking you to take ID to a branch. You don't need an appointment to do this and will take literally 3 minutes. Much more convenient than applying in a branch.

Does you daughter have any accounts anyway, e.g. a savings account?

Lokolo

no_pennies wrote: »

thanks for the replies i thought she had to prove who she is !! theve asked for passport something with her name on and adress to prove shes who she says she is are you saying she can open an account online without proof of who she is ?

Has she actually applied for the account yet?

CLAPTON

it may prove difficult to open an account online as they usually do a search to check electoral roll etc.. as an 16 year old she won't appear

Lokolo

I had to post photocopies off to Egg when I was 16 :eek:

olly300

CLAPTON wrote: »

it may prove difficult to open an account online as they usually do a search to check electoral roll etc.. as an 16 year old she won't appear

16 and 17 year olds should be put on the electoral roll even though they can't vote yet.

It actually states this on the electoral registration form.

no_pennies

got an appoint tomorrow i want her to have an account that will take her through collage and then on to uni (natwest offers plenty now but i wonder what there like with students )