Basic Bank Account Thread

book12

Mrs7ones wrote: »

Hi,
I've opened a Lloyds Classic account, but am confused about what cash machines i can use the visa debit card in.
Basically, what I want to know is - can I use it to withdraw cash in any machine that shows the VISA sign?
I need to know cos I'm off on my hols soon and need to be able to draw out cash abroad....
many thanks xx

Yes, Classic Accounth holders can use it in any cash machine where the VISA sign is displayed.

If you have a Cash Account, this is not allowed.

PatK100

Just for everyones info I have found that Ulsterbank offer a basic bank account with a Solo Debit card - I think they are an offshoot of RBS, and you can open an account online.

If they are RBS anyone know if they are changing from Solo to Visa ?

homeworkgirl

book12 wrote: »

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

This account sounds the best one with a Visa debt card, but does anyone know if I would get a debit card if I am on benefits only?

book12

homeworkgirl wrote: »

This account sounds the best one with a Visa debt card, but does anyone know if I would get a debit card if I am on benefits only?

Yes, you will be able to get a deibt card with the LTSB Cash Account. It only lets you wthdraw money from LTSB machines only.

Barclays also offer a VISA debit card with their 'Cash Card Account'. You can withdraw money from any cash machine. This account is similar to the LTSB Cash Account. Soon Natwest/RBS will offer VISA debit cards with their basic bank accounts. If you like those banks, wait until September.

If I were you, I would go for the Barclays Cash Card Account, as it's better. http://www.personal.barclays.co.uk/BRC1/jsp/brccontrol?task=homefreegroup&value=12866&target=_self&site=pfs

stclair

PatK100 wrote: »

Just for everyones info I have found that Ulsterbank offer a basic bank account with a Solo Debit card - I think they are an offshoot of RBS, and you can open an account online.

If they are RBS anyone know if they are changing from Solo to Visa ?

Yes the switch over covers all brands including ulster bank

lennard01

Hi,

I applied for a cash card account back on the 22nd in a branch, just rang Barclays on 0500 007 234, but they say they can't see anything on the system, but this may be because I applied at a branch so I'll have to go back to the branch to check the status of the application. Surely they should still be able to see me on the system no matter how I applied???
Really hope they haven't messed up somewhere, living without a bank account at the moment and this is causing me major stress!

lennard01

lennard01 wrote: »

Hi,

I applied for a cash card account back on the 22nd in a branch, just rang Barclays on 0500 007 234, but they say they can't see anything on the system, but this may be because I applied at a branch so I'll have to go back to the branch to check the status of the application. Surely they should still be able to see me on the system no matter how I applied???
Really hope they haven't messed up somewhere, living without a bank account at the moment and this is causing me major stress!

Just thought I'd let anyone else waiting know that they have such a backlog of applications at the moment they are taking up to three weeks to process.

dagsky

is it just me or has the banking system gone nuts??After years of not having an account i went to open an acc with firstly A BANK, Natwest.... Told them i want a basic acc, was told ok here's the form put in the post, i said well i want to open my acc here in the branch with someone, sorry you need an appointment and i can only give you 1 next week!!!:eek: Anyway off to co-op for basic acc, takes name, dob,addy and contact number ok thats it we'll write to you.... so have you opened my account? no we don't open it now it all goes off for processing! 2 weeks later post comes and no they asking for id etc etc, well i've long given it to the bank the day i applied!!! 2 days later a sorry we can't open you a basic acc!! Tried LTSB abbey rbs halifax and all say only appointments and its best to put it in the post!! And barclays were the clowns of the lot!! Got an appointment next day, go through the formalities after 20min, oh sir you want to open a basic acc well sir heres an app form and send it in the post!!!:mad::mad:

Whatever happened to good old fashioned customer service and opening an account on the same day and getting your cards within 3 working days!

Bosie

dagsky wrote: »

is it just me or has the banking system gone nuts??After years of not having an account i went to open an acc with firstly A BANK, Natwest.... Told them i want a basic acc, was told ok here's the form put in the post, i said well i want to open my acc here in the branch with someone, sorry you need an appointment and i can only give you 1 next week!!!:eek: Anyway off to co-op for basic acc, takes name, dob,addy and contact number ok thats it we'll write to you.... so have you opened my account? no we don't open it now it all goes off for processing! 2 weeks later post comes and no they asking for id etc etc, well i've long given it to the bank the day i applied!!! 2 days later a sorry we can't open you a basic acc!! Tried LTSB abbey rbs halifax and all say only appointments and its best to put it in the post!! And barclays were the clowns of the lot!! Got an appointment next day, go through the formalities after 20min, oh sir you want to open a basic acc well sir heres an app form and send it in the post!!!:mad::mad:

Whatever happened to good old fashioned customer service and opening an account on the same day and getting your cards within 3 working

days!

Is there such a thing as 'bank rage' the thing with basic accounts don't think any bank let you open one online, that's mainly for regular accounts. I agree not easy, don't know if you are near a Yorkshire Bank? But their 'Readycash' basic is fine as you also get a fully fledged Maestro Card! But you need an appointment:eek:

cifpower

You can just open an Easycash account from the Halifax online