Metro Bank

[Deleted User]

Hello


I want to open a Metro Bank account. I do not have the best credit file, no CCJ's, two late payments and high utilisation of available credit. I want to close anotherbank account inthe process and transfer direct debits etc, so the basic one will not be suitable.


Does anyone know what they are like with adverse credit? I have recently applied for Coop and got declined (to give you an idea). I dont really want to go into a branch to be declined as its embarassing.

binaryuniverse

Unlikely if you have any defaults at all on there, regardless of age, or if paid off.

I tried to open one back in May. Got told no. Waited for a final default to disappear from my file in July. Tried again in August. Got accepted.

Before I tried Metro I had been accepted for Nationwide Flexdirect, Co-Op, 2 Tesco accounts.

[Deleted User]

binaryuniverse wrote: »

Unlikely if you have any defaults at all on there, regardless of age, or if paid off.

I tried to open one back in May. Got told no. Waited for a final default to disappear from my file in July. Tried again in August. Got accepted.

Before I tried Metro I had been accepted for Nationwide Flexdirect, Co-Op, 2 Tesco accounts.

I have no defaults. Just signed up for credit club, I am on 0% for pretty much everything. Cant get a Nationwide account, only the basic one

binaryuniverse

Probably still be out of luck tbh. I think being a new bank, they're adverse to taking on any kind of risk, for now.

Best bet is a credit builder credit card, and use that to build up your credit history.

[Deleted User]

I have plenty of cards, just all up to their limits. I am not asking for an overdraft with them, just a normal bank account. I want to get away from Santander

System

How long is a piece of string?

No-one is likely to be able to tell you, they appear to offer a cash account and will probably offer that should their standard account be declined.

Banks will now generally offer you their basic account if the standard is declined - if you really want to ditch Santander.

What about Halifax, TSB or Nationwide?

[Deleted User]

Heng_Leng wrote: »

How long is a piece of string?

No-one is likely to be able to tell you, they appear to offer a cash account and will probably offer that should their standard account be declined.

Banks will now generally offer you their basic account if the standard is declined - if you really want to ditch Santander.

What about Halifax, TSB or Nationwide?

Nationwide I cannot get - they offered me their basic account - thats a step down from my current 123 account.


I am unable to accept Metro's basic account due to not beingable to set up diret debits with them.


I have looked into Lloyds, Halifax and TSB but would like to work out which I have more of a chance with before doing another search

eDicky

Just go into a Metro Bank and give it a try, no need to be embarrassed if they decline, they will be very nice about it and it probably happens often.

System

redditrabbit wrote: »

Nationwide I cannot get - they offered me their basic account - thats a step down from my current 123 account.


I am unable to accept Metro's basic account due to not beingable to set up diret debits with them.


I have looked into Lloyds, Halifax and TSB but would like to work out which I have more of a chance with before doing another search

Their FlexBasic account seems to offer all the facilities of their FlexAccount bar an overdraft and chequebook.

I especially don't understand the relevance of a 'step down comment' from someone that is getting refused accounts.

wizzywig27

I read he got rejected for one account. He may feel that because he has a full account with offline debit card etc (maybe), he is worried that he wont get the same with a basic account?

wiseonesomeofthetime

redditrabbit wrote: »

. I want to get away from Santander

Having been with Santander for a decade with no issues, I wonder what is the root cause for your desperation.


Your other posts do suggest an adverse Customer Service experience.


Is it an isolated one or a longstanding dispute?


Either way, good luck in your search for the holy grail.


It's not going to be easy if the reason for your malign of Santander is of a struggling financial stature.