Basic Bank Account

indebtbigtime

Hello

Looking to open one. any tips and any advice?

Looked on the FSA website and the ones which offer a Debit Card are limited too

Bank of Scotland
Clydesdale
COOP (not an option )
Halifax Easycash
Lloyds (not an option )
Natwest and RBS (not an option:))
Ulster Bank (not an option )
Yorkshire

All experience and help appreciated

Regards

Matt

waddy_2

hi what specifically is stopping you from opening an account?

indebtbigtime

the ones which say not an option, arent an option as I have credit with them, and will be joining a DMP with payplan

Cheers

Matt

xtessx

Hi

I have a cashcard account with Barclays, no debit card though, just a cash point card. I am used to living without a debit card now. Barclays cash card account accepts direct debits and standing orders, but cheques take a whole week to clear which is a pain, but you get used to it! At least you can't go overdrawn and charge for returned direct debit is only £15.

Good luck! Let me know if you get one with a debit card as this would be useful to me too!

xtessx

liamsmum05

im with halifax easycash

have a debit card thats it o cheque book overdraft and they lt you have diect debits and standing orders, and the charges are £15 but they send you a letter when they are going to charge you.i have found this account so much easier and if you go overdrawn under £10 they dont charge you.

lifesuckssometimes

I miss the woolwich now Barclay's the shadow overdraft was a life saver a few times. Funny thing was they never told me about it until i went over a few times. I'm going BR soon how soon can i open an account for wages/benefits. And how long does it take

many thanks

spent_too_much_money

i moved to hsbc.. on thier basic... they've been good so far, if you have less than £10 in your account it will still let you take a tenner out and not charge you (sometimes a life saver the day before payday) however i won't be allowed a solo card as it's credit score related!! so am stuck with cash machine card only! but have opened a spare card to put non bill money into which is working and I'm getting one of those pre pay switch cards.... they seem like a good deal and mean u can about go for whatever bank you want and not worry it!!

mountainofdebt

I've applied to open a Halifax Easy cash account and must admit it seems to be abit of jumping through hoops to open the account. Hopefully it won't be too long before the account is open.

davek1

can i add norwich and peterborough to the list. I have their basic account and that even includes a cheque book, although the debit card is scoted but useful if you need to pay bills etc

Dave

mcjordi

can i add that llyods have given me a debit card and its a basic account

davek1

lloyds will give you a visa card but you can't withdraw money from any other cashpoint in the Uk other than Lloyyds. As long as you are happy with that arrangement then its a reasonable account.