List of Savings Accounts

Boogiebunneh

Hi all,
I need a couple of savings accounts (easy access ISA and easy access savings), but can't afford any hard credit checks as me and my OH are planning to buy a house some time in the next year.

Do any savings accounts do hard credit checks and is there a list somewhere that says if they do or not? I've searched and couldn't find anything.

Thanks x

Ayr_Rage

Credit checks are for credit, not savings !

You may have to go through identity checks which can be a PITA and involve photographing your passport or driving licence and uploading those and a selfie.

I had that fun with Beehive last week. 

masonic

The only way you'd risk a hard search is by opening a current account as a prerequisite of a savings account. There are plenty of straightforward savings options that will just require a identity check (not seen by lenders). You should be informed during the application if a credit search is to be performed.

grumbler

Boogiebunneh said:

I ... can't afford any hard credit checks as me and my OH are planning to buy a house some time in the next year.

One credit check is unlikely to have any effect on a mortgage application - unless there are many other checks. And, I believer lenders ignore those older than 6 months.

Beddie

There will be no hard credit checks for savings accounts, so you don't need to worry.

Boogiebunneh

Thank you so much everyone. I know I'm a complete newbie to this as I've not had anything worth saving before!

About time I studied personal finance

Thanks again x

Beddie

Boogiebunneh said:

Thank you so much everyone. I know I'm a complete newbie to this as I've not had anything worth saving before!

About time I studied personal finance

Thanks again x

You can use Moneyfacts to find the best rates - here's a link:

https://moneyfactscompare.co.uk/savings-accounts/easy-access-savings-accounts/?quick-links-first=false

ISAs etc. are all on there too. Always choose to sort by Rate Order.