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How long to open a bank account

tabath
Posts: 493 Forumite


Can a bank account be opened in one day ?
My wife walked out after provoking an argument over nothing really. Obviously my kids are distrought. This happened on friday morning. On saturday morning I got a text from the bank where we have our joint account saying there had been some unusual activity
. On checking the account I cuold see that my wife had transferred 18K out of the account to another account called by her name. As far as I knew she had no other accounts at banks or building societies. Is it possible for her to have gone to a bank without an appointment and opened an account so she could do the transfer the following day? I have recently opened accounts for my kids at the place we bank and have had to make appointments for them then take them in with documents to fill in the forms so can' see how you could do this in one day when you have to wait for appointments? I wish to know this to decide whether this waas premeditated as if so there is obviously no chance of reconciliation.
My wife walked out after provoking an argument over nothing really. Obviously my kids are distrought. This happened on friday morning. On saturday morning I got a text from the bank where we have our joint account saying there had been some unusual activity
. On checking the account I cuold see that my wife had transferred 18K out of the account to another account called by her name. As far as I knew she had no other accounts at banks or building societies. Is it possible for her to have gone to a bank without an appointment and opened an account so she could do the transfer the following day? I have recently opened accounts for my kids at the place we bank and have had to make appointments for them then take them in with documents to fill in the forms so can' see how you could do this in one day when you have to wait for appointments? I wish to know this to decide whether this waas premeditated as if so there is obviously no chance of reconciliation.
Starting MB- looking for Raf offers.
Amazon Club Sellers member 0015 come and join us make some space and get hold of some cash, we're on the Ebay and other auctions, Car Boot and Jumble Sales Board
Amazon Club Sellers member 0015 come and join us make some space and get hold of some cash, we're on the Ebay and other auctions, Car Boot and Jumble Sales Board
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Comments
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No , she would have opened the account in advance , as you say money laundering regulations require proof of identityEx forum ambassador
Long term forum member0 -
I feel for you all tabath. An awful thing to happen. You can walk into a Metro Bank branch without an appointment and open an account on the spot. Some banks have an online account-opening process which will give a useable account number and sort code within minutes if the application is successful.This is a system account and does not represent a real person. To contact the Forum Team email forumteam@moneysavingexpert.com0
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Online accounts can be set up in minutes.
Why do you have that sort of money in a current account anyway?0 -
No , she would have opened the account in advance , as you say money laundering regulations require proof of identity
In addition, it doesn't have to be a current account she transferred the money to - it could also have been a savings account. Those are often easier to open than current accounts as they are not credit accounts. There are many that can be opened in minutes, complete with online access, and you can transfer money into them by Faster Payment.
Without knowing which bank she holds what account with, it is impossible to guess when she opened the account.Why do you have that sort of money in a current account anyway?0 -
OP, you might want to ensure she doesn't pull more money out of the account, and may be leave you overdrawn. If you haven't yet got another account in your name, you should set one up quickly Starling and Monzo are very quick to open, and your debit card arrives within a couple of days.
You can then transfer your money, Standing Orders and Direct Debits to the new account, and ask your old bank to block the joint account as there is a dispute.0 -
Online accounts can be set up in minutes.
Why do you have that sort of money in a current account anyway?
It was more borrowing on the mortgage to do some building work on the house.Starting MB- looking for Raf offers.
Amazon Club Sellers member 0015 come and join us make some space and get hold of some cash, we're on the Ebay and other auctions, Car Boot and Jumble Sales Board0 -
Can a bank account be opened in one day ?
On saturday morning I got a text from the bank where we have our joint account saying there had been some unusual activity
. On checking the account I cuold see that my wife had transferred 18K out of the account to another account called by her name.
Yes you can open a account the same day.
I hope you called the bank and told them that it was unusual and that as you had just split up. Get them to freeze the account on the basis of a joint account dispute.
Should see DD etc paid but should stop either party taking funds they are not entitled too.
Hope you get things sorted in every way.Life in the slow lane0 -
Both parties are responsible for monies held in a joint account.
On the face of it, as far as the bank is concerned, she’s done nothing wrong.0 -
I've been in touch with bank and they told me I could put a frezze on it but haven't done this yetStarting MB- looking for Raf offers.
Amazon Club Sellers member 0015 come and join us make some space and get hold of some cash, we're on the Ebay and other auctions, Car Boot and Jumble Sales Board0 -
Have you opened another account solely in your name yet?0
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