New current account without credit check

pookey

Is it possible to get a current account without a credit check please? 

In the past I've been doing current account switches with old accounts. I need at least one more current account, is there a way to get one without a credit check please?  

CliveOfIndia

It will depend on each individual bank's policies.  In theory, there's no need for them to run a credit check if they're not providing any form of credit - typically an overdraft facility if you're talking only about current accounts.  But many banks will still run a check anyway.

Is there a particular reason why you don't want a check performed?  Unless you've already got a lot of hard searches registered in a fairly short space of time, a single credit check on its own is neither here nor there in the grand scheme of things.

DullGreyGuy

pookey said:

Is it possible to get a current account without a credit check please? 

In the past I've been doing current account switches with old accounts. I need at least one more current account, is there a way to get one without a credit check please?  

Are you just concerned about a hard check or any check?

Most will want at least a soft check to confirm your ID and avoid you having to turn up at a branch with a certified copy of documents etc. 

easyasonetwothree

Some online-only banks do only a soft search when registering, like Starling. Check their T&C's though first.

maxximus75

If you have a Halifax current account, you can open another online without a hard search.

pookey

CliveOfIndia said:

It will depend on each individual bank's policies.  In theory, there's no need for them to run a credit check if they're not providing any form of credit - typically an overdraft facility if you're talking only about current accounts.  But many banks will still run a check anyway.

Is there a particular reason why you don't want a check performed?  Unless you've already got a lot of hard searches registered in a fairly short space of time, a single credit check on its own is neither here nor there in the grand scheme of things.

I want to do an account switch to take advantage of switch bonuses. I thought it would be better if i didn't need to be credit checked to open a dummy current account as i would likely be credit checked for the switch so i didn't want 2 in a short period of time if i could avoid it 😊

pookey

maxximus75 said:

If you have a Halifax current account, you can open another online without a hard search.

This is great, I'll give it a try, thank you. 

Do you know if there's a limit of current accounts you can open with them please? 

35har1old

CliveOfIndia said:

It will depend on each individual bank's policies.  In theory, there's no need for them to run a credit check if they're not providing any form of credit - typically an overdraft facility if you're talking only about current accounts.  But many banks will still run a check anyway.

Is there a particular reason why you don't want a check performed?  Unless you've already got a lot of hard searches registered in a fairly short space of time, a single credit check on its own is neither here nor there in the grand scheme of things.

Nationwide run a soft check but then go on to run a hard check even if you haven't requested a overdraft

steven141

Chase don’t do credit checks I don’t think

maxximus75

pookey said:

maxximus75 said:

If you have a Halifax current account, you can open another online without a hard search.

This is great, I'll give it a try, thank you. 

Do you know if there's a limit of current accounts you can open with them please? 

I believe three at any one time.

easyasonetwothree

maxximus75 said:

If you have a Halifax current account, you can open another online without a hard search.

Ditto with Lloyds