Basic Bank Account Thread

angelmouse_2

I want to open a Ready cash but i live in Devon and there are no branches near me, any ideas? Just want basic account, no overdraft but would like Solo/Maestro.....

Thanks x

Wesker

Hi all,
Just a quickie as i'm after a basic bank account and just want some advice.
I'm a member of an online gaming clan, and several of the other members pay towards running the clan through Paypal. But quite a lot of members are under 16 and want to pay something but have neither a bank account or Paypal account.
I am after a basic account, as i dont want to use my own current account, so that anyone can go into any branch of the chosen bank and pay money into this account.
It will only be small amounts £5 or £10, and probably a maximum of £50 total per month which would be withdrawn, or transfered to another account on a regular basis, so there would never be a large amount in there.
I have a good credit rating so that is not a problem, but i'm just after something very basic and easy.
Would the Post Office be an option? Can someone pay money into someone elses PO account at a different branch? Never had a PO account before lol.
Also would like to be able to manage it online too.

TIA

aliallawa

I have just shut my Abbey account due to excessive charges, however Everyone is turning me down for a new account. I have just got my credit report and noticed 2 cifas warnings in my name. I think I might have told a white lie about how long I had been at my adress. I have been turned down by HSBC, Co-op cashminder and Halifax cardcash. Does anybody know of any bank that will consider somebody with 2 cifas warnings?

wordsfan

pukkamum wrote: »

I am new to this forum hope someone can help me I have a cardcash account with RBS i am desperate to have a debit card as cant buy on internet or order tickets etc if i ask them for one will they then do a credit check? bit worried cos dont want to have a failed application posted on my credit file.

For anyone having real difficulties getting even a basic account and debit card can I suggest pre paid debit and credit cards? I have a Visa one (www.3vcash.com) which I use to pay for travel to collect my daughter from her dad's contact visits, we live about 400 miles apart now. So I don't use it often. You pay £3.50 each time you top it up but if you top up by a good amount it's much less % than any "normal" credit card. I top mine up every couple of months, any small amounts left over I use to buy music etc online, Got £13 left over from last time (flight prices had dropped by time I actually booked) so will use that for some online shopping of some description - (at mo prob some heavy bits I need from Argos)

There are others and since I got mine there are now pre pay debit cards too, shop around to get best current deal (must listen to own advice).

Just make sure its one from a well known name or you might find its difficult to find companies that accept it.

wordsfan

aliallawa wrote: »

I have just shut my Abbey account due to excessive charges, however Everyone is turning me down for a new account. I have just got my credit report and noticed 2 cifas warnings in my name. I think I might have told a white lie about how long I had been at my adress. I have been turned down by HSBC, Co-op cashminder and Halifax cardcash. Does anybody know of any bank that will consider somebody with 2 cifas warnings?

What are cifas warnings and how do I find out about my credit rating?

James

wordsfan wrote: »

What are cifas warnings and how do I find out about my credit rating?

About CIFAS

Click here

CIFAS Warning.

Click here.

You should find answers to fruther questions you may have on this page:

Click Here.

If you want to protect yourself from ID Theft & Deter CIFAS warning being put against your address/file then:

Click Here: also a link to obtaining your Credit File Free on the Home Page

This is the Advice from Cifas on how to find out if there's a Warning against your address:

Click Here.

book12

I was wondering why Natwest, Clydesdale, and Yorkshire bank basic bank accounts are the most popular, and not the others.... One reason I know that they have a debit card, but besides that, what other reasons?

barbet10

Hi don't know if anyone can help- but I used to have current account with first direct - but moved to halifax who have been so so disappointing - but first direct do not give customers who return the same incentives as new joiners -- a bit like mortgage companies -- so no 100 pound incentive to join which is their offer at the minute.
does anyone know any way round this ? and does everyone think this is fair - shouldn't everyone be entitled to the same incentives ?
or is there another bank offering any good incentives to switch ?
Thanks

macegang

You can get your wage paid into it like any other bank account and you can make deposits and withdrawals at the post office






How is money deposited into the account?

According to the website it says:

Voyager Alliance Credit Union is a not for profit organisation, offering financial services to the passenger transport industry in England and Wales. Membership is open to passenger transport employees in England and Wales and their family members who live in the same household.[/quote]

samarnesen

i have just tried to open a halifax easycash account online for my partner he has a realy bad credit rating as do i but i have never had any problem with my account he has been using mine for 4 years and we argue constantly over who has spent all the money so ive set one up for him
any ideas what halifax are like for accepting customers