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Help, How does a 19 Year old with no Credit history, get a bank account.
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Now he's on the election roll, that should solve the problem. If he's not on the electoral roll, and has no other credit, there will be no evidence that he exists when they do their checksI consider myself to be a male feminist. Is that allowed?0
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Well done for helping him. Some neurodiverse people can struggle to manage money so having a chat with him about budgeting, saving and financial discipline would be useful.
Does he have any bank savings accounts at all? Sometimes getting a current account with the same bank is easier and as others have said one of the internet only banks like Starling or Monzo might be ok with no overdraft facilities. A mobile phone contract will help get him started on building a credit record. As you say being on the electoral roll will help so good you have done that for him.I’m a Forum Ambassador and I support the Forum Team on the Debt free Wannabe, Budgeting and Banking and Savings and Investment boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.
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Click on this link for a Statement of Accounts that can be posted on the DebtFree Wannabe board: https://lemonfool.co.uk/financecalculators/soa.php0 -
True but the voter authority certificate won’t be accepted by banks as proof of IDGrubbyGirl_2 said:If he doesn't have photo ID he can get a voter authority certificate here Just need a recent photo and his National Insurance number.
https://www.gov.uk/apply-for-photo-id-voter-authority-certificate
Good job he has someone looking after his interests as his parents haven't done a great job preparing him for adulthood.0 -
It sounds like he is best starting with a basic bank account.
https://www.moneysavingexpert.com/banking/basic-bank-accounts/
He will need some form of ID and proof of address. Does he have a passport or driving licence?#24 Save 12k in 20260
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