Anyone have bank account knowledge help!

patrickscorp

Edit--3/06/08
I know my problem that they dont offer me a flex account because I have been living in my permanent address just one year. It need to be 3 or more in the UK . Can I tell them my grandmother address for the previous address but I don't have prove that I have lived there before because I haven't open bank account or doing any self payment from that address. What can I do ?

PS I have registered online which it offered me a flex account already but It said that in 5 working days they will contact me for prove of id and said that may be request prove of previous address which I don't have one.

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Now, I have Maestro, Solo and Master card . Most bookies require VISA so I consider to have one which I prefer Nationwide

flex visa debit card from what I have read here. Today I went to the bank and ask for it they get me to the computer but to the last computer said they can't offer me a flex account which the girl banker said probably because I haven't been living in UK long enough or something else.
I am a student, 21 years old and came from Thailand but I have British Citizen because I was born here I have been studying here for one year and start doing match beting since January now I am 2000+ profit.

SO I would like to ask people here that which bank suit me to available for me tp do VISA card for good currency exchange like Nation wide visa debit card.
Thank you for every help guy I know you guy are kind people.:A

iwassomeoneelse

If Nationwide are not prepared to offer you this type of account then most other banks will give a similar answer. Did they offer you any account at all (any VISA card is better than none)? Are you on the electoral register? That could be why they refused you. Did you ask them why they said no?

patrickscorp

iwassomeoneelse wrote: »

If Nationwide are not prepared to offer you this type of account then most other banks will give a similar answer. Did they offer you any account at all (any VISA card is better than none)? Are you on the electoral register? That could be why they refused you. Did you ask them why they said no?

They said nothing but sorry I will ask them for VISA card next Monday. She register me online on the computer.

RivChaser

A lot of Visa cards will charge you 2.5% for deposits as they treat them as a cash advance. I think the only card that is good for exchange rates is Nationwide. Barclaycard are not good on exchange rates but don't charge the 2.5% fee for bookies so they are the best of a bad bunch. It may be your best option and you would still make a profit even with the forex charge.

I would suggest you go for Moneybookers or Neteller if you can. Moneybookers is best for exchange rate deposits. Well done on the profits and hope this helps.

grumbler

iwassomeoneelse wrote: »

If Nationwide are not prepared to offer you this type of account then most other banks will give a similar answer.

Nationwide is known to be far more 'choosy' than many other banks/BSs

Did they offer you any account at all (any VISA card is better than none)?

They have only one account - FlexAccount - that comes either with Visa or with Cirrus.

Did you ask them why they said no?

Ask whom? Computer? It was the computer who said NO...

grumbler

patrickscorp wrote: »

...which bank suit me to available for me tp do VISA card for good currency exchange like Nation wide visa debit card.

With regard to the exchange rate Nationwide is unique. Try A&L for Visa, but they charge 2.85%(?) for currency conversion - like all other banks/BS.

grumbler

RivChaser wrote: »

A lot of Visa cards will charge you 2.5% for deposits as they treat them as a cash advance.

Only credit cards. The OP asked about Visa debit. Credit cards charge not only the cash advance fee, but the interest from the day of the transaction as well.

Barclaycard are not good on exchange rates but don't charge the 2.5% fee for bookies so they are the best of a bad bunch. It may be your best option and you would still make a profit even with the forex charge.

Just to clarify (for the OP): Barclaycard is a credit card.

patrickscorp

thx everyone 's opinion helpful cheers:beer:

donglefan

At your main bank/s, where you already have the Mastercard etc, ask them to switch you to a VISA. Nationwide is the only UK high street bank that offers the 0% commission on foreign currency. All the others rip you off, but I don't know if the amount varies. I deposited 200 euro to a bookie from Lloyds this week. The actual rate at the time showed as £157 and Lloyds charged £166.

grumbler

donglefan wrote: »

At your main bank/s, where you already have the Mastercard etc, ask them to switch you to a VISA.

I don't know any banks that offer both Visa and Maestro debit cards.
Very few banks do offer both Visa and Mastercard credit cards though...

donglefan

I've always had a Visa from Lloyds, since I was a student.
Seems to be HSBC and NatWest that deploy the less useful cards.