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  • FIRST POST
    • RabC2u
    • By RabC2u 17th May 19, 2:55 PM
    • 1Posts
    • 1Thanks
    RabC2u
    When a Top Recommendation Disappoints - Starling Bank
    • #1
    • 17th May 19, 2:55 PM
    When a Top Recommendation Disappoints - Starling Bank 17th May 19 at 2:55 PM
    Advice for all...
    We are going on a European holiday and reading MSE recommendations on which card to take with us, settled on the top recommendation of Starling debit card.
    Followed the account opening routine, from downloading an android app, to the uploading of a video reading a set sentence, to uploading a copy of my passport.
    I then was told they were verifying the details. This went on for 3 days, I enquired daily as to the progress on web chat, finally calling Customer Services.
    I was told because I had a US passport and no American tax details having grown up in the UK, they were unable to confirm my id.
    Not having a driving licence, or any other form of acceptable photo id, they told me the only thing I could do was renounce my 65years American citizenship and provide a letter of renunciation.
    Is that a joke?
    Shocked and disappointed as I am sure not the only one in this predicament.
    Last edited by RabC2u; 17-05-2019 at 2:57 PM. Reason: Phrasing
Page 1
    • Ben8282
    • By Ben8282 17th May 19, 3:11 PM
    • 3,123 Posts
    • 1,704 Thanks
    Ben8282
    • #2
    • 17th May 19, 3:11 PM
    • #2
    • 17th May 19, 3:11 PM
    Advice for all...
    We are going on a European holiday and reading MSE recommendations on which card to take with us, settled on the top recommendation of Starling debit card.
    Followed the account opening routine, from downloading an android app, to the uploading of a video reading a set sentence, to uploading a copy of my passport.
    I then was told they were verifying the details. This went on for 3 days, I enquired daily as to the progress on web chat, finally calling Customer Services.
    I was told because I had a US passport and no American tax details having grown up in the UK, they were unable to confirm my id.
    Not having a driving licence, or any other form of acceptable photo id, they told me the only thing I could do was renounce my 65years American citizenship and provide a letter of renunciation.
    Is that a joke?
    Shocked and disappointed as I am sure not the only one in this predicament.
    Originally posted by RabC2u
    Yes it does sound like a joke especially as the letter of renunciation will not contain a photograph of yourself! Actually I think the suggestion that you do this was made in the context of US tax laws and not because you lack photo ID.
    You must admit though that not having a driving licence at your age is a bit unusual,
    You have gone to all this trouble to open a new bank account for what? To save a few pounds on any ATM withdrawals that you may make during your European holiday.
    Presumably if you have been resident in the UK for 65 years you do actually hold a UK bank account and credit cards?
    In view of the known problems involving US citizens and bank accounts, suggest you apply for one of the travel credit cards. Choose one that best suits your needs and apply. Otherwise just use your regular debit card and accept the charges.
    Last edited by Ben8282; 17-05-2019 at 3:33 PM.
    • MEM62
    • By MEM62 17th May 19, 3:30 PM
    • 2,474 Posts
    • 2,137 Thanks
    MEM62
    • #3
    • 17th May 19, 3:30 PM
    • #3
    • 17th May 19, 3:30 PM
    US Citizen or dual nationality?

    Not a surprise as we have to declare the UK Tax ID's for any US Citizens connected to our banking facilities - even though these are established in the UK. Although the suggestion that you give up your US citizenship is a joke.

    How do you prove your ID for other financial products?
    • NoodleDoodleMan
    • By NoodleDoodleMan 17th May 19, 7:19 PM
    • 993 Posts
    • 365 Thanks
    NoodleDoodleMan
    • #4
    • 17th May 19, 7:19 PM
    • #4
    • 17th May 19, 7:19 PM
    Apart from other points raised above - don't you also have to provide proof of permanent UK address to open a British bank account ?

    Perhaps that is the issue ?

    Just thinking aloud.
    • antrobus
    • By antrobus 17th May 19, 8:05 PM
    • 16,703 Posts
    • 23,641 Thanks
    antrobus
    • #5
    • 17th May 19, 8:05 PM
    • #5
    • 17th May 19, 8:05 PM
    .....
    I was told because I had a US passport and no American tax details having grown up in the UK, they were unable to confirm my id.
    Not having a driving licence, or any other form of acceptable photo id, they told me the only thing I could do was renounce my 65years American citizenship and provide a letter of renunciation.
    ....
    Originally posted by RabC2u
    Why don't you have any US tax details?

    If you are a U.S. citizen you have to file with the IRS irrespective of whether you are in the United States or abroad. Your worldwide income is subject to U.S. income tax, regardless of where you reside.

    Maybe Starling takes a dim view of long term tax evaders?
    • MEM62
    • By MEM62 22nd May 19, 10:39 AM
    • 2,474 Posts
    • 2,137 Thanks
    MEM62
    • #6
    • 22nd May 19, 10:39 AM
    • #6
    • 22nd May 19, 10:39 AM
    Why don't you have any US tax details?
    Originally posted by antrobus

    Maybe the OP has never lived or worked in the US.
    • tehone
    • By tehone 22nd May 19, 10:50 AM
    • 250 Posts
    • 114 Thanks
    tehone
    • #7
    • 22nd May 19, 10:50 AM
    • #7
    • 22nd May 19, 10:50 AM
    Maybe the OP has never lived or worked in the US.
    Originally posted by MEM62
    If you are a US citizen then you have to file a US IRS tax return regardless of where you live (you don't necessarily have to pay any more tax, but you have to file the return

    https://www.irs.gov/individuals/international-taxpayers
    • beany_bot
    • By beany_bot 22nd May 19, 11:39 AM
    • 478 Posts
    • 229 Thanks
    beany_bot
    • #8
    • 22nd May 19, 11:39 AM
    • #8
    • 22nd May 19, 11:39 AM
    There is a list of ID that Starling accept on their website.
    You don't have any of them. So you can't get a Starling Card.


    It's that simple really.
    • yams
    • By yams 22nd May 19, 1:05 PM
    • 23 Posts
    • 4 Thanks
    yams
    • #9
    • 22nd May 19, 1:05 PM
    • #9
    • 22nd May 19, 1:05 PM
    Like others have said, the problem is you are liable for US taxes.


    The bigger issue for Starling is that the US will penalise banks who do not process this (even Swiss banks comply). It's called FACTA (https://en.wikipedia.org/wiki/Foreign_Account_Tax_Compliance_Act)
    • stevenhp1987
    • By stevenhp1987 22nd May 19, 1:17 PM
    • 849 Posts
    • 670 Thanks
    stevenhp1987
    Maybe the OP has never lived or worked in the US.
    Originally posted by MEM62
    US citizens must file US tax-returns, and pay US tax on their earnings, regardless of where they live / what country their earnings are residing in.

    Some Dual-citizens have given up their US citizenship in order to avoid this double tax.

    If he's a US citizen, he must hand over his US tax details. It's the law, no UK bank would allow an account to be open without it!
    Last edited by stevenhp1987; 22-05-2019 at 1:19 PM.
    • penners324
    • By penners324 23rd May 19, 11:44 AM
    • 62 Posts
    • 45 Thanks
    penners324
    So you didn't read the requirements of ID verification before applying for the account? And it's the banks fault?
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