Not a frequent customer, and want a bank account with them

book12

I bank with two banks. In 'Bank A', I have a bank account and a savings account. In 'Bank B', I have a instant savings account only, which hasn't been used for a few years.

I would like to open another bank account in 'Bank B' (without transferring direct debit & standing orders), as it's the best one out there according to the comparison sites.

I would like to have another bank account, as they have a higher cash withdrawal limit, and want this account to be the spending account. Once 'Bank B' bank account is opened, 'Bank A' bank account would be for salary from job, and DD/SOs. Lots of forum users here have multiple bank accounts for different things, and want to do the same thing.

The issue is that I haven't been to 'Bank B' branch for ages, as I don't need to, and haven't put money in the savings account for a few years. How would this reflect on me as an 'inactive' customer for a long time, ? Would they decline, even though I meet the criteria, etc...?

gt94sss2

book12 wrote: »

The issue is that I haven't been to 'Bank B' branch for ages, as I don't need to, and haven't put money in the savings account for a few years. How would this reflect on me as an 'inactive' customer for a long time, ? Would they decline, even though I meet the criteria, etc...?

Well you don't name the banks which doesn't really help answer your question. In most cases, having an account already may actually help as its easier for them to prove your ID as an existing customer.

If you're nervous of their reaction, why not apply on-line and avoid going to a branch in the first place?

Regards
Sunil

jonesMUFCforever

If you have not used the savings account at Bank B for a few years then it might now be dormant.
So take ID and address confirmation when you decide to go in.

Gentoo365

If you meet the criteria they will not decline. In fact turning an 'inactive' customer to an 'active' one will be something they will want to do. As they will hope that in time you will use them for more of your banking.

However if you are moving solely for some special current account feature you may need to ensure that there are no conditions regarding direct debits, transfer etc.

planteria

jonesMUFCforever wrote: »

If you have not used the savings account at Bank B for a few years then it might now be dormant.
So take ID and address confirmation when you decide to go in.

....and take some cash to deposit into it. you will then have an active account.

and i expect you will be accepted for the account. i am guessing Santander:)