Basic Bank Account Thread

book12

Coventry Building Society CallSave MoneyManager (2) comes with a VISA debit card. It's another good basic bank account. It has better interest rate than high street basic bank accounts.

More details: http://www.coventrybuildingsociety.c...?ProdCode=CMM2

slenderkitten

let me tell you savagej i have had ALOT of problems with this since i got my new card two weeks ago BT had problems but i haven't experienced anything instore just ifi made a payment over the phone and they have ALL had problems, some took it on 2/3 go but some like bt wouldn't accept it just said failed which means nothing.

i aint sure about these telephone accounts like the one book 12 posted i feel safer having access to the bank my accounts held with. i dont know about anyone else.

slenderkitten

dannymahon wrote: »

Hello,

I have been rejected for a Cashminder account by the Co-op, so I knew my credit rating was bad.

I checked and had one default which I have now paid and also was not on the Electroal Role. So I have now sent off my letter to get back on which hopefully means my rating should improve.

However in the meantime I need a bank account! Even just a cash card so my wages can be paid into. Can anyone give me any advice which to go for... especially since Co-op rejected me. Ideally a simple cash card without a credit check is what I need.

Thanks

this makes no sense when i applied for my cash minder account i had two defaults and was NEVER on the electorol roll, maybe something else made you fail i suppose if you applied to other banks or for some other type of credit and it failed they would show up and possibly count against you.

book12

slenderkitten wrote: »

this makes no sense when i applied for my cash minder account i had two defaults and was NEVER on the electorol roll, maybe something else made you fail i suppose if you applied to other banks or for some other type of credit and it failed they would show up and possibly count against you.

slenderkitten wrote: »

let me tell you savagej i have had ALOT of problems with this since i got my new card two weeks ago BT had problems but i haven't experienced anything instore just ifi made a payment over the phone and they have ALL had problems, some took it on 2/3 go but some like bt wouldn't accept it just said failed which means nothing.

i aint sure about these telephone accounts like the one book 12 posted i feel safer having access to the bank my accounts held with. i dont know about anyone else.

Try the Barclays Cash Card Account, or other basic bank accounts (see a lisf of them here: http://www.moneymadeclear.fsa.gov.uk/pdfs/bank_accounts.pdf). Hopefully they will accept you.

You can pay cash/cheque in the branch for the Coventry account at least.

MBISON_2

I had gotten rejected by the cooperative bank.

"Thank you for your recnt aplication for an account with the cooperative bank. After careful consideration we are unable to open the account you requested. Thank you for your interest in cooperateive bank."

book12

MBISON wrote: »

I had gotten rejected by the cooperative bank.

"Thank you for your recnt aplication for an account with the cooperative bank. After careful consideration we are unable to open the account you requested. Thank you for your interest in cooperateive bank."

Did you apply for the Cashminder account or the 'current account'?

slenderkitten

i reemmber when i first applied about 5 years ago to Abbey for a basic bank account she DENIED that they have such an account even though i got a list from citizen advice saying they do and she went on to apply for a normal current account which obviously was refused i was disgusted because that would have gone on my credit file.

i went back to CAB to tell them what happened they were disgusted by it and told me to try another one.

jsmith9156

book12 wrote: »

Coventry Building Society CallSave MoneyManager (2) comes with a VISA debit card. It's another good basic bank account. It has better interest rate than high street basic bank accounts.

More details: http://www.coventrybuildingsociety.c...?ProdCode=CMM2

Is this a Basic Current account, or a Savings Account with debit card attached? I can't seem to make out which on their website.

Thanks!
James

book12

jsmith9156 wrote: »

Is this a Basic Current account, or a Savings Account with debit card attached? I can't seem to make out which on their website.

Thanks!
James

It's a basic bank account.

jsmith9156

book12 wrote: »

It's a basic bank account.

Cheers Book12, Looks interesting!

James