Opening a bank account for someone whose name does not appear on household bills

Aspatria

My brother has just moved back 20 years of working in Italy and needs to open a UK bank account.
He is currently living with me so his name does not  appear on any household bills or any other documents used for proof of address. 

How do banks manage people in this situation?

MEM62

Aspatria said:

How do banks manage people in this situation?

In most cases they don't.  He will need something with his home address on it.  Maybe the most straight forward document to get is a driving license.  

Martico

I'm fairly sure that Starling only requires a passport in terms of documentation

p00hsticks

Passport should be good for proof of name (some banks will ask you to send a short video or photo from your phone for phot comparison.

For address, in the absence of anything else, and assuming he's already informed HMRC that he;s back in the country, he can phone them up and request a tax coding notice to be sent to him - this is usually acceptable.

david72

Being on the electoral register is probably the most important thing to do, as most, if not all, financial institutions refer to this first as proof of where somebody lives, and they can check this behind the scenes electronically.

In fact, not being on the electoral register is more likely to trigger the bank to ask for alternative proofs of address. If on the register that is usually proof enough for them. I don't think I have had a bank ever request utility bills from me for many years now (and I have moved quite a number of times).

Even if your brother is planning to move to his own place fairly soon, it is not untrue to say that he is living at your address just now, and he can easily register online, both now, and then later at his new address when he moves. Changes to the register are processed quite quickly nowadays, less than a month, I think, and possibly even within a week.

2stixoftwixes

I have been having horrendous problems with my 81 year old mum.

She sold her house and moved in with her partner.
She has 2 bank accounts with Nationwide and Santander
Her passport had expired, no driving licence.
Although she is a tenant, her partner pays all the bills.

So far tried Charter, Paragon, Zopa, Shawbrook   Shes on the electoral roll, but not a single place would pass her as they needed ID that she didn't possess

We have just had to spend £75 on renewing her passport. She will earn this in interest the very 1st month.
It's been a total ball ache

DullGreyGuy

Whats required depends on the level of data they can get from the credit reference agencies. If they get a high confidence match they most likely wont ask for anything at all but if there is no match or low confidence then they will ask for documents.

We were in a similarish position before and found that with some utility companies and councils you can add a second name to the account and then ask for a new statement or such and it will generate it with both names on it... with some of them it even would put the joint names on any older letters when you brought them up. 

[Deleted User]

2stixoftwixes said:

I have been having horrendous problems with my 81 year old mum.

She sold her house and moved in with her partner.
She has 2 bank accounts with Nationwide and Santander
Her passport had expired, no driving licence.
Although she is a tenant, her partner pays all the bills.

So far tried Charter, Paragon, Zopa, Shawbrook   Shes on the electoral roll, but not a single place would pass her as they needed ID that she didn't possess

We have just had to spend £75 on renewing her passport. She will earn this in interest the very 1st month.
It's been a total ball ache

Do the Nationwide Flex Instant Saver at 2% or Santander eISA at 1.85% not work for her?

[Deleted User]

Aspatria said:

My brother has just moved back 20 years of working in Italy and needs to open a UK bank account.
He is currently living with me so his name does not  appear on any household bills or any other documents used for proof of address. 

How do banks manage people in this situation?

Try Monzo; they've accepted people I know who were in the UK on holiday. 

2stixoftwixes

Deleted_User said:

2stixoftwixes said:

I have been having horrendous problems with my 81 year old mum.

She sold her house and moved in with her partner.
She has 2 bank accounts with Nationwide and Santander
Her passport had expired, no driving licence.
Although she is a tenant, her partner pays all the bills.

So far tried Charter, Paragon, Zopa, Shawbrook   Shes on the electoral roll, but not a single place would pass her as they needed ID that she didn't possess

We have just had to spend £75 on renewing her passport. She will earn this in interest the very 1st month.
It's been a total ball ache

Do the Nationwide Flex Instant Saver at 2% or Santander eISA at 1.85% not work for her?

  She has the Nationwide Flex instant - that has already been opened,   but the eisa is an Isa so only £20k  and we are talking lots more

Descrabled

Many accounts accept the letter from the DWP giving details of the state pension payment.