Single account-is it possible to have 2 cards?

adele123_2

Hi,

I am moving in with my boyfriend next month, he doesn't have a good credit rating, mine is better but not great so we want to work on improving them before getting a joint account.

In the mean time, I want us both to put money into an existing account which is in my name for food shopping/things for the flat/joint expenses that we would need to chip and pin/withdraw money for so it would be much easier to have 2 cards for this account. Is it possible to have 2 cards for one account?

MARTYM8`

I am not aware of any sole current accounts which offer two debit cards (i.e. to different people) - you would need to open a joint account for that.

Could you not try and open a joint account and just use that for the purposes you want while keeping your own main account separate - several banks offer basic accounts for those with less solid credit ratings?

You can of course have a secondary card holder for your credit card (i.e. for paying bills etc) - or have joint savings accounts which normally only need ID checks and offer cash cards (e.g. Tesco instant access saver).

CLAPTON

MARTYM8` wrote: »

I am not aware of any sole current accounts which offer two debit cards (i.e. to different people) - you would need to open a joint account for that.

Could you not try and open a joint account and just use that for the purposes you want while keeping your own main account separate - several banks offer basic accounts for those with less solid credit ratings?

You can of course have a secondary card holder for your credit card (i.e. for paying bills etc) - or have joint savings accounts which normally only need ID checks and offer cash cards (e.g. Tesco instant access saver).

a bad idea to open a joint account with some-one who has a bad credit rating as a joint account will establish a financial link between the two parties

grumbler

adele123 wrote: »

....we want to work on improving them before getting a joint account.

:T

MARTYM8` wrote: »

Could you not try and open a joint account and just use that for the purposes you want

People avoid opening joint accounts for a reason, not because they can't.

You can of course have a secondary card holder for your credit card (i.e. for paying bills etc) - or have joint savings accounts which normally only need ID checks and offer cash cards (e.g. Tesco instant access saver).

Very few bills can be paid by a credit card. Savings accounts are no good for spending, but a credit card can cover this.

adele123 wrote: »

In the mean time, I want us both to put money into an existing account which is in my name for food shopping/things for the flat/joint expenses that we would need to chip and pin/withdraw money for so it would be much easier to have 2 cards for this account. Is it possible to have 2 cards for one account?

A prepaid card can be an alternative to a credit card for spending and is very similar to a current account.
E.g. "Pokit" allows several cards for one account and costs only 99p/card to get and 99p to withdraw cash: http://www.pockit.com/fees.
Also it pays 5-6% cashback on Halfords and B&Q purchases.