Basic Bank Account Thread

Bosie

MBISON wrote: »

i just got turned down by yorkshire for not wanting to do a credit check. guilty until proven innocent. they assumed i was doing fraud. i only went in because many people on this board recomended it. now i am recomending to skip yorkshire.

I've been with Yorkshire Bank over 3 years,I asked them for their basic account the readycash as I had gone bankrupt 2 years previous. The adviser said to me, their main check was a Cifas - fraud check and to see I was now discharged from bankruptcy.
She did the check and opened the account there and then.

I was given my account and sort code and she also opened me a savings account:beer: Even for the most 'basic' of accounts banks will still do a credit type check, ID and fraud checks.
I applied for the Abbey basic account and on checking credit files, my hubby said they even checked him as we was linked to me! That was for a basic! what's your credit history like? Take up the offer of the free trial from Experian's Credit Expert.

savagej

Has anyone tried to get a Visa Debit card on their Co-op Cashminder account yet, it is showing as being available now on their website.

stclair

Transactional Banking, UK Retail
1St Floor, House E
Gogarburn
PO Box 1000
Edinburgh
EN1 1HQ

Telephone: 0131 626 1913
www.rbs.co.uk

Dear XXX

Thank you for your letter of 5 May 2009 I recieved for attention, and for your interest in the banks move to Visa Debit.

I am pleased to confirm that The Royal Bank of Scotland Group will begin issuing Visa Debit card to all its customers during the second half of 2009.

Visa Debit offers almost three times the global acceptance of Maestro making 29 million point of sale outlets available to customers across the world, providing an overall improved service to our customers.

Existing customers with Maestro. Solo or Cirrus cards can continue to use there Cards as normal. Customers will recieve their new Visa Debit cards on request or replacement or as their current card expires. All changes will be communicated to customers shortly in the normal way. There will be no change to the customers PIN when they recieve their new card.

If I can be of any further assistance on this matter, please do not hesistate to contact me.

Yours sincerely

Steve Rob
Card Services Manager

sutton111

stclair wrote: »

Transactional Banking, UK Retail

1St Floor, House E
Gogarburn
PO Box 1000
Edinburgh
EN1 1HQ

Telephone: 0131 626 1913
www.rbs.co.uk

Dear XXX

Thank you for your letter of 5 May 2009 I recieved for attention, and for your interest in the banks move to Visa Debit.

I am pleased to confirm that The Royal Bank of Scotland Group will begin issuing Visa Debit card to all its customers during the second half of 2009.

Visa Debit offers almost three times the global acceptance of Maestro making 29 million point of sale outlets available to customers across the world, providing an overall improved service to our customers.

Existing customers with Maestro. Solo or Cirrus cards can continue to use there Cards as normal. Customers will recieve their new Visa Debit cards on request or replacement or as their current card expires. All changes will be communicated to customers shortly in the normal way. There will be no change to the customers PIN when they recieve their new card.

If I can be of any further assistance on this matter, please do not hesistate to contact me.

Yours sincerely

Steve Rob

Card Services Manager

Thanks for the information.

MJA1_2

All that info on basic banking was great and very timely for me as I am just thinking about opening an account with Card ONE Banking. Has anyone else got an account with this company and if so how do you find it works for you?

I'm dubious now as they don't get a mention on the FSA link of reputable accounts!

James

Card One Banking is a pre-paid account (Not a Basic Bank Account).

There is a one-off account opening fee of £30.

AND

a monthly fee of £12.50


Card One Banking. - 'It's a no Brainer.'

MBISON_2

Bosie wrote: »

I've been with Yorkshire Bank over 3 years,I asked them for their basic account the readycash as I had gone bankrupt 2 years previous. The adviser said to me, their main check was a Cifas - fraud check and to see I was now discharged from bankruptcy.
She did the check and opened the account there and then.

I was given my account and sort code and she also opened me a savings account:beer: Even for the most 'basic' of accounts banks will still do a credit type check, ID and fraud checks.
I applied for the Abbey basic account and on checking credit files, my hubby said they even checked him as we was linked to me! That was for a basic! what's your credit history like? Take up the offer of the free trial from Experian's Credit Expert.

my credit score is low, thats why i didnt want them to check it. i didnt want them to bring down my score even more.

stclair

This is the new terms and conditions for Natwest customers current/basic bank account holders.

Which clearly states VISA DEBIT in it.

http://www.natwest.com/olb/mandatory...ormed_0609.pdf

Looks like a defo date of the 5th September (my birthday I might add) lol

Bosie

Thanks Stclair for the information, I have a savings account called Reserve which has a Solo card to it, it does come in handy.
What will happen to this? have you any idea?

Bo x

stclair

Bosie wrote: »

Thanks Stclair for the information, I have a savings account called Reserve which has a Solo card to it, it does come in handy.
What will happen to this? have you any idea?

Im presuming reading the following clause from the T&Cs they will change to visa debit also.

13.3.14 When we issue you with a replacement card, we may issue it under a different card scheme from the one which applies to your previous card (for example, we may replace a card issued under the Maestro scheme with one issued under the Visa scheme). We will only do this if we reasonably believe that the facilities offered by a card issued under the new scheme will, on balance, be as good as, or better than, those offered by your previous card.