Advice sought - son can't get a debit card

zppp

Alternatively, if he continues to have no luck, you could gethim to buy a prepaid card (Mastercard, Maestro or Visa)

Bored_Advisor

I used to work for nationwide, staff have complained for years about how hard it is for students to get an account, about 6 months ago they have made it a lot easier for younger people to get an account. Often as they have less than the required £750 per month income.

The cash card accounts are better than they used to be, if he hasn't already gotten one the cash card accounts will have chip and pin this year, he will even be able to use the chip and pin abroad, though ironically he won’t be able to use cash machines while abroad.

Most good advisors will check to see if your son would be able to get a full facility account through the appeals procedure. Most of the under 21 year olds receive they're current account cards in nationwide because of what their parents have. If you have a nationwide mortgage or investment product with a reasonable balance say £20,000, or have a savings account with them with a high balance your son might be able to appeal successfully. Mainly because the underwriters can see that the value you provide to the society is higher than the potential loss should your son have difficulties.

Remember credit checks are done by computers which cannot see all the angles a person can, always worth an appeal if you can find something to back it up.

montymontezuma

Thanks, boredadvisor, for the input & insight. He isn't a student, he does earn over the required £750, and we've been customers for about 27 years, which all adds up to why we're stumped - it's not like it's a credit card. He's waiting for the letter they've promised to send (week later & still not arrived), and presumably he could appeal once he's been advised by letter.

I think he's just likely to go for another account elsewhere though to be honest, as he's feels that misled him at the start.

DCFC79

I opened my first account with rbs when i was 18, it was the same time i had my first job and been with rbs since then

pmduk

If a bank won't provide you with the facilities you want/need, then it's time to look for another bank. There're lots of others out there.

fozmcfc

When I applied for my first ever account with Natwest in 1987, I was 17 and they refused the reference from my mums friend who had savings etc with them.

My mums friend went down the bank and threatened to move her account. Basically within days, I got accepted and my cheque card/hole in the wall card was sent to me.

It is still the only bank account I have ever had.