Basic Bank Account Thread

Big_Paddy_3

Hi Folks can any one please help.I have a large overdraft which I want to transfer to a o% credit card..........I know it sounds as simple as pay with credit card and then transfer to 0%....Am I right .

debrag

How does one get turned down for a co-op basic account! Applied before Christmas and phoned up today to get an update. Turns out I have been declined but a letter was never sent. Told I can appeal by sending in my 6 year address history. I want to get away from natwest but no bank will take me.

debrag

anyone had an experience of Metro or Santander? Are they cash cards or mastercard/visa

debrag

So just gone and gotten a Nationwide basic account. It's been confirmed and just waiting on everything to be sent to me now. Funny how these are a creditor on my DRO but accepted me.

what is a cashcard though? say I can still use it in shops, online, abroad etc but it's not a debit card.

Dr_Cuckoo3

debrag wrote: »

anyone had an experience of Metro or Santander? Are they cash cards or mastercard/visa

Metro Bank just perform an ID search for its cash account as far as I am aware

I have a full Metro Bank account without overdraft

some posts on this forum indicate that Santander do not perform a credit search

mastercard at Metro Bank

debrag

yeah I noticed they check ID to see if your registered at the address or something, may try them tomorrow as I wanted to avoid getting a cash card.

Dr_Cuckoo3

The Nationwide basic account offers a Visa debit card and Metro Bank offer a Mastercard debit card on basic accounts

debrag

The Nationwide site states:

Cash Card account customers will receive a cash card+ instead of a debit card

So is that incorrect now? I know it used to be an electron card.

EDIT: Just looked at images of the card and it appears to be a debit card with cashcard+ written on it. So no real difference then.

coolesticeking

CashCard+ from Nationwide is a Visa Debit Card (Full-Auth) that can be used in the UK and & Abroad for purchases but can't be used at ATM's abroad.

The card can't be used where a connection is required to authorise the transaction such at Pay @ Pumps, Train Stations & on Airplanes.

debrag

What you can't use at a train station? What about the machines I get my monthly travelcards on them.