Current account for teenagers - no ID?

She2656

My 17 year old son is about to start his first job and needs a bank account for his wages to be paid into.
He enquired at the Co-op bank and was told he needs 2 forms of identification.
However
1. he does not have a valid passport as his existing one is now out of date - his new employer will arrange his passport as it may involve foreign travel
2. he has not applied for a provisional driving licence - his new employer will arrange that
3. he does not have a tax code as he has not yet been employed
4. he lives at home so all utility bills etc are not in his name
5. he has no other bank accounts in his name

Can anyone please advise as to how he can open a bank account without any of the above?

superbabe612

He should have a national insurance number and a card to go with it.
He should also have a NHS number and confirmation as such.
Does he have a library card or a school bus pass?

I opened bank accounts for my two children in their names but I had to provide proof of my ID and address - I'm not sure what the age limit is but it might be worth asking!

pcombo

4. he lives at home so all utility bills etc are not in his name

Teenagers under 18 are allowed to use birth certificates and parents utility bills.

ses6jwg

Can't vouch for other banks but where I work, Santander, the most commonly used forms of ID we use are :

Birth Certificate + NHS Medical Card

OR

Birth Certificate + Parents Passport/ Driving License (provided they have the same surname and live at the same address)

OR

Birth Certificate + NUS Card

Lith

Lloyds TSB

Go in with ya son and they will open the account there and then.

(mum did that for me when i was 16) no need for ID or anything hard to believe...

(if you bank with them that is..)

HSBC

There way to strict when it comes to identity.... no chance they demand passport/driving license


Halifax - same as TSB

RBS is another easy one to get in.


as for oher banks not sure, but whatever BANK your with, you can get him an account there.

rb10

Lith wrote: »

Lloyds TSB

Go in with ya son and they will open the account there and then.

(mum did that for me when i was 16) no need for ID or anything hard to believe...

(if you bank with them that is..)

[...]

Halifax - same as TSB

Halifax will require a passport or birth certificate, and one form of proof of address for a parent.

Things may have become stricter since you opened your first account.

chambta

Not sure how an employer would arrange a provisional driving license or passport.

System

chambta wrote: »

Not sure how an employer would arrange a provisional driving license or passport.

I think what it means is that the employer will be paying for them.

pmduk

Try opening a Natwest account online. Your son should be on the electoral register and with any luck this will be enough for them.

ses6jwg

pmduk wrote: »

Try opening a Natwest account online. Your son should be on the electoral register and with any luck this will be enough for them.

Last time I checked you had to be 18 to vote.

samwsmith1

ses6jwg wrote: »

Last time I checked you had to be 18 to vote.

But you can be on it earlier - it just doesn't 'activate' until your 18th birthday, mine showed up from the October before my 18th birthday as registered on the CRAs, and showed an unrecorded search from apple from before I was 18.