Lloyds rep - online application for students

Ed-1

This is specifically aimed at the Lloyds rep on here.

This seems to be an 'issue' affecting the general system for any bank within Lloyds banking group (or using their system such as TSB) where a student applies for any account - the system automatically 'refers them to branch' stating 'we need more information' whether you are an existing customer or not - that more information is proof of ID and address.

Now, I don't know whether this is a system technical issue or a deliberate design, but the system never used to do this (before 2014 anyway). You can't apply for a student account online so why does the system require identification and verification for students every time they apply for an account (non-student account)? Reason I ask is that I have a student friend who this has happened to (and it happened to me last year) when applying for accounts online and the branches seem surprised that existing customers get referred to branch for ID+V and it is solely being a student that triggers the system to do this. I went in to a branch with him today to do the ID+V; the process is that the branch staff fill out the ID+V form, certify the ID documents and post off to the MPC.

Also I'll add (if the Lloyds rep wants to pass it on) that some branches seem to say that just photo ID should be accepted even though the system end screen and email it sends out says they need to see both proof of ID and proof of address. Other branches seem very poorly trained altogether about what to do with the ID when you take it in (some just say 'I'll take a photocopy' and nothing ever gets done with it!)

jonesMUFCforever

Won't they want to see your UCAS confirmation too as well as id?

Ed-1

jonesMUFCforever wrote: »

Won't they want to see your UCAS confirmation too as well as id?

This is not for a student account (which you can't apply for online) - it's for any current account. Lloyds Banking Groups' systems are seemingly programmed to refer students to branch for proof of ID and address at the end of the application.

Dobbibill

Hi Ed,

I copied this from the website here and hope this helps.

How to apply
In branch
You can apply for a Student Bank Account at any of our branches.

Whichever way you choose to apply you will need to visit a branch to show us your UCAS confirmation letter or a letter from your university or college confirming your place.

If you aren't already a Lloyds Bank customer you will also need to take a piece of ID such as a driving licence or passport and also proof of address (anything official with your name on it that’s less than three months old, except a mobile phone bill) into a branch.

DB

Dobbibill

jonesMUFCforever wrote: »

Won't they want to see your UCAS confirmation too as well as id?

I agree with JonesMUFCforever - it is due to them needing to produce UCAS/University confirmation which is one of the requirements of a 'Student Account'

jennifernil

But the OP is not talking about opening a STUDENT account, which he presumably already has and has done it in a branch, showing the required paperwork!

He is talking about a student wanting to open some other type of account.....ISA......savings......current.

knack92

This is interesting to read as I have also experienced this Ed. For all five accounts I have between TSB and BoS I was referred to branch after opening online.

Ed-1

knack92 wrote: »

This is interesting to read as I have also experienced this Ed. For all five accounts I have between TSB and BoS I was referred to branch after opening online.

Yes to reiterate to other posters this is NOT ABOUT STUDENT/GRADUATE ACCOUNTS which for Lloyds Banking Group (and TSB) cannot be applied for anywhere except in branches precisely because they need to see proof of student status (although you used to be able to apply for them online before 2014).

This is instead about applying for any account (e.g. Club Lloyds) and if you put 'student' for occupation the system reserves you a sort code and account number and refers you to branch to take in proof of ID and address at the end of the application. From experience this started happening around the start of 2014 which was around the same time they changed the policy on online applications for student/graduate accounts.

To elaborate a bit, I was referred to branch for proof of ID for the first time when applying online on the launch dates for Club Lloyds and TSB Classic Plus. I initially thought that it was due to them not being able to electronically verify my ID but thought it strange as I applied by phone and was accepted straight away with no proof of ID required. It was only when I started employment and my occupation on further applications changed from student to employed that my accounts were opened on the spot and without referring to branch. So I realised that it was my student status which triggered the system wanting proof of ID when no such proof of ID is actually needed to open the account. Branches seem mystified every time you go in with ID when you are an existing customer and say you shouldn't need proof of ID. But that's what the online system churns out. Not only that but it wants one document for proof of identity and a further for proof of address when branches say single photo ID should be OK anyway. So it must be some sort of glitch in the system which is why I've raised it. It was a real pain when I was a student as it made the online account openings so much longer as you had to wait for them to photocopy and certify the ID and post it off so that the account can be activated each time.

jonesMUFCforever

If there is a pre condition of crediting an account with £1500 per month and your occupation is a student - it becomes obvious they will want to see ID to verify who you are - sometimes electronic ID is not enough.

Ed-1

jonesMUFCforever wrote: »

If there is a pre condition of crediting an account with £1500 per month and your occupation is a student - it becomes obvious they will want to see ID to verify who you are - sometimes electronic ID is not enough.

This is any account - even a simple Lloyds Cash Account or Classic Account.

Income details would be enough if there was a minimum funding requirement which you're required to give as part of the application anyway. Proof of identification and address when they already have it as an existing customer is not what is required - branch managers have even been mystified as to why it needs it.

Lloyds_Bank

Ed-1 wrote: »

This is specifically aimed at the Lloyds rep on here.

This seems to be an 'issue' affecting the general system for any bank within Lloyds banking group (or using their system such as TSB) where a student applies for any account - the system automatically 'refers them to branch' stating 'we need more information' whether you are an existing customer or not - that more information is proof of ID and address.

Now, I don't know whether this is a system technical issue or a deliberate design, but the system never used to do this (before 2014 anyway). You can't apply for a student account online so why does the system require identification and verification for students every time they apply for an account (non-student account)? Reason I ask is that I have a student friend who this has happened to (and it happened to me last year) when applying for accounts online and the branches seem surprised that existing customers get referred to branch for ID+V and it is solely being a student that triggers the system to do this. I went in to a branch with him today to do the ID+V; the process is that the branch staff fill out the ID+V form, certify the ID documents and post off to the MPC.

Also I'll add (if the Lloyds rep wants to pass it on) that some branches seem to say that just photo ID should be accepted even though the system end screen and email it sends out says they need to see both proof of ID and proof of address. Other branches seem very poorly trained altogether about what to do with the ID when you take it in (some just say 'I'll take a photocopy' and nothing ever gets done with it!)

Hi Ed-1,

Thanks for taking the time to post this feedback. I've passed it to the team for them to review.

Craig