Basic Bank Account with a debit card

carkeyz

Hi
I am looking for a basic bank account with a debit cad but no overdraft or cheque book or anything that could land me in debt!
Any advice? Good or bad? x

cifpower

Barclays Cash Card - Visa Debit or cash card (your choice)
Halifax Easycash - Visa Electron
NatWest Step - Visa Debit
RBS Key - Visa Debit
Co-op Cashminder - Visa Debit

just a few

momisa

This'll give general help;

http://moneyfacts.co.uk/compare/banking/basic-bank-accounts/


I found that both Barclays and Alliance and Leicester I had to make appointments and A&L said it would take 3 weeks to setup.

Lloyds TSB took me in straight away off the street with my driving license as sole ID. They also have an option whereby if you're account gets to £1 they'll send a text so's there's time to put money into the account prior to incurring charges.

Don't forget that were ever you go they'll do a credit check.

MoneySavingUser

Barclays - you can apply there and then - in smaller branches they usually don't need an appointment - they may try and fob you off with a postal form though

Halifax - can apply online easily

big_Daddy_Dave

i highly reccomend barclays went in on a Monday got my debit card on a wednesday

kaitlinsmummy

I would stay clear of Natwest or RBS, I have had shocking service from these this weekend
I opened a step account got a txt saying welcome to Natwest card on the way also got a letter the Next day saying " your application has been successful, we are delighted to welcome you to Natwest as a step current account holder your card and pin are on the way"

Was impressed with the speedy service till Friday when I rang to find out where my new debit card was was told the account had been closed at branch level and I had to go in to the Branch to reopen the account as it must have been a mistake. Off I went on Saturday morning to the Branch was seen pretty quick, Woman I spoke to was very dismissive basically saying some rubbish that even once the welcome letter and txt have been sent out they do further checks !!!!!! and I must have some level of fraud against me she basically called me a fraudster I was/am furious so I rang back the call center and the guy I spoke to said there was a note for me to ring this number if I wanted to discuss it of course they are only open mon-fri 9 till 5. He did also say the reason for the account closed on his screen said "account conduct" !!!!!! when I hadnt even got chance to get any cash in the account
surely any checks would have been BEFORE an account was opened, I have never heard of more checks been done after a account successfully being opened
:mad:

benoit

Have you had an account with any of the RBS group before?

kaitlinsmummy

No Ive had no dealings with RSB group before. I bank with Halifax used to Bank with HSBC only have have had any credit from HSBC and Halifax


I have just rang the number the lending center gave me on saturday morning and the guy I spoke to was very helpful and checked my file only to tell me the account has been closed in ERROR!
He said I can go back in branch and re apply and if I get any problems to get them to ring him

carkeyz

HI all
I have gone for the Halifax account And already applied online.
Many Thanks for all your suggestions.