Basic Bank Account Thread

Dealmad

Hi , do i need to take in my wage slips and details of work etc , or just id?

Does the Application form ask all this? as i have another job offer with a much better wage ,so not sure if i should put that one down or my current one as ill most like be taking this unless me current job can match

Oh also which one do i ask for so i can still get visa debit , i just want a basic account

Thanks

book12

Dealmad wrote: »

Hi , do i need to take in my wage slips and details of work etc , or just id?

Does the Application form ask all this? as i have another job offer with a much better wage ,so not sure if i should put that one down or my current one as ill most like be taking this unless me current job can match

Oh also which one do i ask for so i can still get visa debit , i just want a basic account

Thanks

Just bring ID.

On the application form, it just ask you for your income and employment status. The amount of income doesn't matter for basic bank accounts. By the way, you will not be credit scored.

Since you want a VISA debit card, I would suggest a Barclays Cash Card Account (don't be fooled by the name). This account is normally opened by post (they will give you an application form to take away). Say that you want the account details urgently, so they will do it in branch. You will then leave with account details.

Dealmad

book12 wrote: »

Just bring ID.

On the application form, it just ask you for your income and employment status. The amount of income doesn't matter for basic bank accounts. By the way, you will not be credit scored.

Since you want a VISA debit card, I would suggest a Barclays Cash Card Account (don't be fooled by the name). This account is normally opened by post (they will give you an application form to take away). Say that you want the account details urgently, so they will do it in branch. You will then leave with account details.

Thanks for that , went in and got my account details already :T

For some reason though he wanted to know how much i had left on house etc , only basic account so didnt think it matters but gave it anyway and he said i should get my card this week , seems really quick to me and great service from start to finish

scouselad1974

That is great news, I'm really pleased for you

book12

Dealmad wrote: »

Thanks for that , went in and got my account details already :T

For some reason though he wanted to know how much i had left on house etc , only basic account so didnt think it matters but gave it anyway and he said i should get my card this week , seems really quick to me and great service from start to finish

Good to hear that everything has been done in branch!

Not sure why the personal banker has asked other questions though. Probably trying to sell you some stuff.

aldino

Hey guys,

Why is the Barclays Cash Card account recommended much more then the Barclays Bank Account? Whats the difference?

Thanks

football_mad_2

The Barcclays Cash Card Account is mentioned more due to the fact they will offer the account to people who do not have a great credit history / low income. It has all the usual banking facilites, direct debits, standing orders etc, however it does not offer a cheque book or overdraft because it is a basic account. You can choose to have a Full Visa Debit Card on the account if you wish.

The standard Barclays BanK Account is for people with a very good / excellent credit history or higher income. Its a full blown account which subject to status can provide overdraft and chequebook along with the full Visa Debit card.

Basic Cash Card Account is mentioned more as the criteria to open a Cash Card Account is not any where near as strict as it is to open a Barclays Bank (Current) Account.

Hope this helps.

book12

football_mad wrote: »

The Barcclays Cash Card Account is mentioned more due to the fact they will offer the account to people who do not have a great credit history / low income. It has all the usual banking facilites, direct debits, standing orders etc, however it does not offer a cheque book or overdraft because it is a basic account. You can choose to have a Full Visa Debit Card on the account if you wish.

The standard Barclays BanK Account is for people with a very good / excellent credit history or higher income. Its a full blown account which subject to status can provide overdraft and chequebook along with the full Visa Debit card.

Basic Cash Card Account is mentioned more as the criteria to open a Cash Card Account is not any where near as strict as it is to open a Barclays Bank (Current) Account.

Hope this helps.

The Cash Card Account could be for people who don't have any credit history too, or who are on benefits.

scouselad1974

Just a quick update on my co-op application made on Monday, I rang them again today and the guy told me he was very sorry but the appication will take another couple of days, he said that it would go ahead but they where waiting for the big wigs upstairs, whatever that means lol.

scouselad1974

Just thought I would let you know that I gave the C0-OP a call today and I was told that my account was opened on Friday and I will be receiving details in the post this week