Trying to get a new bank account with no photo Id

Nummy01

As recommended as I'm about to start the IVA process, I have no photo ID or letters from hmrc/government/benefits to set up a new account. Help.

Emmia

Why don't you have any photo ID e.g. passport, driving licence?

This is going to be an issue due to the KYC requirements, and you now need it for voting too.

400ixl

Many people do not have photo ID and it is not a legal requirement. For voting there is the ability to get a specific ID for that purpose, so not really relevant.

OP, do you have something like a Council Tax letter which may be usable, are you on the electoral register for your location.

You are going to likely need to find somewhere with an branch facility and it maybe be a local building society may be an option.

If you have any local branched of any banks / building societies then I would gather up any evidence you have and go and visit them to see if any can help. 

Tigsteroonie

You possibly don't have time to do this, but I generally suggest that people apply for a provisional driving licence - and reapply when it expires, so they always have one - as a handy form of photo ID. Doesn't mean you ever need to go near a driving lesson, just have the card.

Nummy01

Tigsteroonie said:

You possibly don't have time to do this, but I generally suggest that people apply for a provisional driving licence - and reapply when it expires, so they always have one - as a handy form of photo ID. Doesn't mean you ever need to go near a driving lesson, just have the card.

Was taking to natwest on the phone last night, as there is a local branch, but shuts at 4.30 sigh, they said need a letter thats no older than 6 months. And of course everything is paper free these days, great for the trees not for documentation!

Nummy01

Emmia said:

Why don't you have any photo ID e.g. passport, driving licence?

This is going to be an issue due to the KYC requirements, and you now need it for voting too.

Well I have my baby one,  but I think some how that it's still valid.

lisyloo

Emmia said:

Why don't you have any photo ID e.g. passport, driving licence?

This is going to be an issue due to the KYC requirements, and you now need it for voting too.

there are quite a lot of people that don't travel abroad or don't drive.

Emmia

Nummy01 said:

Emmia said:

Why don't you have any photo ID e.g. passport, driving licence?

This is going to be an issue due to the KYC requirements, and you now need it for voting too.

Well I have my baby one,  but I think some how that it's still valid.

It's not valid for travel either.

Given the way the world is moving, not having a photo ID is going to increasingly be an issue - really I think the UK should just move to requiring people to have photo ID in the form of a driving licence, passport or an official card. But I'm sure people will get antsy about how it's an infringement of their civil rights or something.

Section62

Nummy01 said:

As recommended as I'm about to start the IVA process...

Who recommended an IVA?  Have you had independent advice on other ways to deal with your debts? (e.g. have you posted on the 'Bankruptcy & living with it' board on this forum)

Most of the banks try to check your ID electronically before asking for documents, although they may also want you to take a selfie with a document so they have a photo of you as well.

You also need to avoid banks in the same group as the one(s) you are currently with - for example Lloyds, Halifax and Bank of Scotland are all part of the same group, even though they trade under different names.

If you aren't with them already then maybe try Nationwide.  They seem very keen to increase the number of current account customers they have and may be less likely to reject you as not being profitable enough (I'd avoid HSBC for the opposite reason).  Nationwide also have most of their branches still open, which may be useful if you need to go to a branch to deal with the ID issue.

Good luck.

boingy

Really, just get a driving licence or a passport even if you have no intention to use either of them. It will save you grief in the future.

Nummy01

boingy said:

Really, just get a driving licence or a passport even if you have no intention to use either of them. It will save you grief in the future.

Needed it this week, so not really helpful.