20 year old nephew doesn't have a bank account

grizzlegrizzle

Rob5342 said:

LunaLater said:

It’s lovely that you want to help, but it sounds as though he has no interest in being helped. 

Indeed, my daughter opened a current account when she was 13. She looked at the different ones on offer, then got her passport out so we could take her to Nationwide to open one.

How on earth can anyone get to the age of 20 without having something as basic as a current account? Has he never travelled on a bus by himself for example?

I don’t think this is a helpful comment. People are clearly all very different and since you appear to have no relevant experience what are you adding to this discussion? 

Rob5342

I'm just pointing out that anyone can get a bank account if they can be bothered to. The problem here seems to be that the nephew doesn't actually want a job and is deliberately not opening a bank account to give him an excuse for not getting one.   

Maybe that's a wrong assumption, in which case what have the banks said to the nephew when he phoned them and asked them about the ID they required, and which jobs has he applied for that have said he needed a bank account?

As it happens my wife left school with hardly any qualifications through no fault of her own despite working extremely hard. Despite that she kept trying and had a job and bank account at the age of 16.

username

The longer he leaves it the more of a problem it will become, in terms of day to day practicality (a lot of places are cashless or are cutting down on the acceptance of cash) and for the future - if he wants to go abroad or be employed he will need a passport, and if he wants to drive (or go out on the town where they'll check your ID at the door) he will need a provisional licence.

Completely realise in the eyes of the law he is an adult and has free will to do as he so pleases, but what practical help have you offered them, rather than raining in with the criticisms?

sheramber

Rob5342 said:

LunaLater said:

It’s lovely that you want to help, but it sounds as though he has no interest in being helped. 

Indeed, my daughter opened a current account when she was 13. She looked at the different ones on offer, then got her passport out so we could take her to Nationwide to open one.

How on earth can anyone get to the age of 20 without having something as basic as a current account? Has he never travelled on a bus by himself for example?

You need to have money to put in a bank account.

EarthBoy

sheramber said:

Rob5342 said:

LunaLater said:

It’s lovely that you want to help, but it sounds as though he has no interest in being helped. 

Indeed, my daughter opened a current account when she was 13. She looked at the different ones on offer, then got her passport out so we could take her to Nationwide to open one.

How on earth can anyone get to the age of 20 without having something as basic as a current account? Has he never travelled on a bus by himself for example?

You need to have money to put in a bank account.

You don't normally need to put any money in a current account when you first open it.  Some accounts come with perks if you pay in a minimum sum each month, but all banks offer bog standard accounts with no perks and no minimum pay-in required. 

toomuchinfo

Rob5342 said:

I'm just pointing out that anyone can get a bank account if they can be bothered to. 

Not entirely correct. My son in 29 and can’t have a bank account because he is severely mentally impaired. Banks won’t allow him a bank account.

born_again

If he wants to claim benefits, then you really need a bank acc.

Although their is this option

https://www.gov.uk/payment-exception-service

boingy

Frankly I don't see how you can force an account and/or job on someone. All you can do is tell them what you think and then offer to help.