Citibank Sterling Current a/c - min. income?

Dagobert

I applied for a Citibank Sterling Current Account via Quidco and have just received the application pack.

The Application Checklist states: you must earn

1. over 20K pa and pay your salary in monthly or
2. over 30K pa and pay your salary in monthly or make a £2K deposit

However, the Terms & Conditions (Sterling Current Account, 6) state: You will only be eligible for a cheque book if your gross annual salary is >20K and you have domiciled your salary into the account.


The T&Cs suggest to me that, with a salary below 20K you can get the account, just no cheque book.

Can anyone confirm what the situation is?

grumbler

Dagobert wrote:

The T&Cs suggest to me that, with a salary below 20K you can get the account, just no cheque book.

My understanding is that you must have £20K+ salary to get the account and must have it paid into the account in order to get a cheque book.

BYould

Just opened one of these accounts, you have to earn 20k a year or deposit 2000 pounds in order to get the cheque book.

For the debit card I believe you can still apply mainly because when I queried what card I was likely to get they have three different cards available.

1. Cashcard
2. Visa Debit Card
3. Visa Debit Card with cheque guarantee

In any case you don't have to prove your income just send the other ID documents in.

Dagobert

grumbler wrote:

My understanding is that you must have £20K+ salary

It would appear so but it does not say so in the T&Cs - just on the application sheet.

annie12

I have opened the account & earn less than £20K?

Dagobert

annie12 wrote:

I have opened the account & earn less than £20K

1. Did you open the Sterling Current Account?
2. What did you fill in in the income section of the application form?

annie12

Yes, it was a sterling current account & I earn £10K & I put that on the form. Sent them wage slip & bank statement, so they know! Have received cheque book aswell.

PabloNeruda

I've applied and been accepted and earn less than £20k. I think if you put that you don't require the free £500 overdraft that helps.