18 year old unable to get current account

Marchitiello

eskbanker said:

p00hsticks said:

Dyscovery said:

His tax insurance letter is undated and the tax people have said they never date Thierry letters.  Can I get a joint account with him .?

I don't know what a 'Thierry letter' is....

Presumably an autocorrection of 'their'?  Don't know what a 'tax insurance letter' is though....

I guess he meant National Insurance

jon81uk

HSBC will only accept provisional license if under 18. This is part of my surprise that he didn't already have a teenagers current account which could be converted.


Metro Bank will take provisional license, but its the proof of address which is going to be harder what-you-need-to-open-account.pdf (metrobankonline.co.uk)
Once he is on the electoral roll it should help.

Marchitiello

Another thought about proof of address: some house bill providers (Thames Water for example) let you add an additional account holder to the account, for others you just add both name to the account (or first line of the address. This may be the faster way to get a proof of address.

General_Grant

jon81uk said:

HSBC will only accept provisional license if under 18. This is part of my surprise that he didn't already have a teenagers current account which could be converted.


Metro Bank will take provisional license, but its the proof of address which is going to be harder what-you-need-to-open-account.pdf (metrobankonline.co.uk)
Once he is on the electoral roll it should help.

Why do you say that?  Your link shows that a UK driving licence (full or provisional) is accepted for address verification.

jon81uk

General_Grant said:

jon81uk said:

HSBC will only accept provisional license if under 18. This is part of my surprise that he didn't already have a teenagers current account which could be converted.


Metro Bank will take provisional license, but its the proof of address which is going to be harder what-you-need-to-open-account.pdf (metrobankonline.co.uk)
Once he is on the electoral roll it should help.

Why do you say that?  Your link shows that a UK driving licence (full or provisional) is accepted for address verification.

The list isn't overly clear but I was reading it as they might want both something from table A and something seperate from table B, but I might be mis-understanding. It does mention they don't always need the table B item if they can look you up, but that probably is linked to electoral roll. Maybe they can do everything just with the provisional license, but its not clear if they will want a separate table B item as well. You might be right and I mis-understood though.
However if the OP has a Metro Bank branch nearby they might be worth visiting.

p00hsticks

Marchitiello said:

Dyscovery said:

Thank you everyone.  So he had an account with the Norwich and Peterborough that they closed when they were taken over with the Yorkshire Building Society and he kept his savings account only.  We have been into the bank and the bank manager had agreed to accept his proof of identity, but was overruled by the people who make up the accounts.  We have phoned, emailed and seen face to face all to no avail.  His tax insurance letter is undated and the tax people have said they never date Thierry letters.  Can I get a joint account with him .?

Can you not just get him a passport and register him to the electoral roll? 

If he's not able to prove his ID enough to get a bank account, then jumping through the various hoops required to get a first time adult passport isn't going to be at all easy either.

Having said that, I'd say it is worth doing if at all possible as I'm finding you are asked more and more to prove your identity and without either a passport or photo driving licence it is very difficult to satisfy the requirements. £7.50 a year to maintain a passport, even if you don't ever use it to actually go abroad, is, to my mind, money well spent.

eskbanker

Marchitiello said:

eskbanker said:

p00hsticks said:

Dyscovery said:

His tax insurance letter is undated and the tax people have said they never date Thierry letters.  Can I get a joint account with him .?

I don't know what a 'Thierry letter' is....

Presumably an autocorrection of 'their'?  Don't know what a 'tax insurance letter' is though....

I guess he meant National Insurance

Possibly, but this is why it's important to research exactly what constitutes acceptable ID documentation!  Banks will often specify that they're happy to use current tax documentation from HMRC (coding notices, etc) but notification of National Insurance number wouldn't be included within that, as it's nothing to do with tax as such.

Marchitiello

eskbanker said:

Marchitiello said:

eskbanker said:

p00hsticks said:

Dyscovery said:

His tax insurance letter is undated and the tax people have said they never date Thierry letters.  Can I get a joint account with him .?

I don't know what a 'Thierry letter' is....

Presumably an autocorrection of 'their'?  Don't know what a 'tax insurance letter' is though....

I guess he meant National Insurance

Possibly, but this is why it's important to research exactly what constitutes acceptable ID documentation!  Banks will often specify that they're happy to use current tax documentation from HMRC (coding notices, etc) but notification of National Insurance number wouldn't be included within that, as it's nothing to do with tax as such.

The reason I think it was National insurance is that back in the days I believe to have used an NI letter as proof of address when I opened my first account having not yet turned 18…  I do not think they want an HMRC letter only .

also back in the day when you actually knew the branch people, it may have been possible to simply use a birth certificate as proof of ID, which obviously sound absurd nowadays… 

General_Grant

Marchitiello said:

eskbanker said:

Marchitiello said:

eskbanker said:

p00hsticks said:

Dyscovery said:

His tax insurance letter is undated and the tax people have said they never date Thierry letters.  Can I get a joint account with him .?

I don't know what a 'Thierry letter' is....

Presumably an autocorrection of 'their'?  Don't know what a 'tax insurance letter' is though....

I guess he meant National Insurance

Possibly, but this is why it's important to research exactly what constitutes acceptable ID documentation!  Banks will often specify that they're happy to use current tax documentation from HMRC (coding notices, etc) but notification of National Insurance number wouldn't be included within that, as it's nothing to do with tax as such.

The reason I think it was National insurance is that back in the days I believe to have used an NI letter as proof of address when I opened my first account having not yet turned 18…  I do not think they want an HMRC letter only .

also back in the day when you actually knew the branch people, it may have been possible to simply use a birth certificate as proof of ID, which obviously sound absurd nowadays… 

I seem to remember that "back in the day" no ID was required at all to open a savings account.  You just went to a branch, filled in a form giving any name you wanted, handed over some money and walked out with a passbook.

eskbanker

Marchitiello said:

The reason I think it was National insurance is that back in the days I believe to have used an NI letter as proof of address when I opened my first account having not yet turned 18…  I do not think they want an HMRC letter only .

My point is that if they say (within their published lists of acceptable ID) they want HMRC tax correspondence then that's what they'll mean, but if they're vaguer than that, then an NI letter might suffice, especially for under-18s.

A quick look around ID requirements of a few major players suggests that HSBC, Barclays, Lloyds and Santander specifically need tax documents, for over-18s at least, but NatWest appears to allow an NI confirmation letter (if dated within 12 months)....