Basic Bank Account Thread

rokey

Hi there

OK the info on basic accounts is a great help thank you. My husband is starting work in Edinburgh next week :j, all rather short notice, and this means we need an account for his salary over there as we live in RO Ireland.

So knowing that all we need is a basic one, nothing flash as thats what our account here does, having looked at how to apply seems we need proof of address. This is something we will struggle with in the immediate short term as:
1 He is renting a room
2 He will have co car & phone etc
3 We only found out Thursday its all going ahead

So do you know if any of the banks will accept something else as proof of ID, he has UK passport/license. We have his contract of employment and all out bills and banks here.

Thanks for any advice you can give us. :T

MattyN

Geat thread............i am on the Citibank site now and have called them.....does the Sterling current accont refer to the Plus account or the Access account as there isn't an account that is actually called a Sterling Plus ???

Please help

maxsik

What bank is most easy to access and use by phone? I mean thay all have telephone banking available where i can even transfer money outside of my account , corect me if i am wrong... but I looking some which really has no restriction to services when you call them, and dont have to go trough tons of security ... thanks!

maxsik

rokey wrote: »

Hi there

OK the info on basic accounts is a great help thank you. My husband is starting work in Edinburgh next week :j, all rather short notice, and this means we need an account for his salary over there as we live in RO Ireland.

So knowing that all we need is a basic one, nothing flash as thats what our account here does, having looked at how to apply seems we need proof of address. This is something we will struggle with in the immediate short term as:
1 He is renting a room
2 He will have co car & phone etc
3 We only found out Thursday its all going ahead

So do you know if any of the banks will accept something else as proof of ID, he has UK passport/license. We have his contract of employment and all out bills and banks here.

Thanks for any advice you can give us. :T

I would try Halifax easycash acount. You can apply online

binnie

To cut a long story short, me and my husband maybe going with Payplan as of tomorrow and I am thinking of opening a new bank account just for the direct debits to come out of.
Iam self employed doing Ebay and wondered if I would still be accepted for a basic bank account. I only bring in about £500 to £800 a month . Will they want to see my accounts , and if so, for how many years.
I was also thinking of getting a pre-paid credit card and wondered which one is the best.
Thanks everybody

cifpower

best basic is either halifax easycash (dont apply if debt is with halifax, bank of scotland or lloyds) or barclays cashcard account

united66

binnie wrote: »

To cut a long story short, me and my husband maybe going with Payplan as of tomorrow and I am thinking of opening a new bank account just for the direct debits to come out of.
Iam self employed doing Ebay and wondered if I would still be accepted for a basic bank account. I only bring in about £500 to £800 a month . Will they want to see my accounts , and if so, for how many years.
I was also thinking of getting a pre-paid credit card and wondered which one is the best.
Thanks everybody

Hi Binnie.
Opening a basic bank account doesn't require any past years statements etc, you may just need 1 or 2 forms of ID. I have been with Halifax Easycash for 2 years now and think it's excellent, would highly recommend.
With regards to the pre-paid credit card, I also have one with Virgin who I would recommend, the card looks nice (aesthetic i know!). You can have it as a pay as you go or pay monthly card, they cost 9.95 to purchase as a one off, then depending what tariff you choose, so much a month. You can find more on the virgin prepay credit card and available tariffs by visiting link below:

http://uk.virginmoney.com/virgin/prepaid-card/index.jsp

Hope this helps and good luck

binnie

Hi all,
I've managed to open a basic account with barclays bank. I did it online and today I received the paperwork to sign, except for one thing was missing and that was the paperwork for my signature for the card specimen.
I called in at my local branch and took my passport. The lady there gave me a paper to sign and rung another branch to open the account for me. So now I have my new sort code and account number and even a £100 overdraft which I didn't ask for.
Just waiting for my debit card to come and then I can set internet banking up.
Thanks for all your replies.

pmduk

It sounds as though you don't have the basic account, there are no overdrafts with basic accounts and I don't believe you can apply online for one.

binnie

Ah well, I've got one anyway :T
I didn't even need to put any money into it if I didn't want to.