Bank Account for irregular payments made in.

sarahpowell

Morning

I am not sure how to word this so apologies if I sound like an idiot........

I currently have a joint back account with my husband with HSBC, I wish to apply for a single account in my name with a different bank, however I will NOT be paying in my wages to this account and will be moving money from our joint account to this account on a regular basis but I dont know how much it will be each month, some months it could be £20 another another month it could be £200, I will set up a DD of a minimum of £20 going in each month. I would like a debit card (although not essentail) but do not need a facility to an overdraft or cheque book etc (this has got me into trouble previoulsy and I do not wish to go down this route)

So my question is, is there a bank aco!!!! out there which will allow me to have an account paying in so little each month as a regular payment? If so where can i find it? Would a basic bank account like the co op cash minder or a Barclays Basic Account work for me?

I should also state that I have had money problems in the past but over the last 6 months have been working on this.

Thanks in advance for your help.

Sarah

dzug1

Any bank should be able to offer you this. Some may want to push their premium fee-paying accounts but it shouldn't be a problem - particularly with a basic account.

The monthly fixed transfer may be easier/better as a standing order, topped up by an online transfer when needed.

coolesticeking

It sounds like any Basic Bank Account of your choice here will do the job..

NatWest Step account you can apply for online:
http://www.natwest.com/personal/current-accounts/g1/other-accounts/step-account.ashx

Barclays do a Cash Card account:
http://www.barclays.co.uk/Currentaccounts/Packagedaccounts/CashCardAccount/P1242557963900

Co-Op Cashminder:
http://www.co-operativebank.co.uk/servlet/Satellite/1193206368743,CFSweb/Page/Bank-CurrentAccounts?WT.svl=copy

Halifax Easycash (Visa Electron ONLY not Visa Debit):
http://www.halifax.co.uk/bankaccounts/other-bank-accounts/easycash/

sarahpowell

Thanks Guys much apprecaited.

There is so much information out there it can be a minefield! At least I was on the "right track".

Once again, thank you.