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  • FIRST POST
    • christmastime
    • By christmastime 2nd Dec 17, 1:36 PM
    • 6Posts
    • 0Thanks
    christmastime
    anny good basic bank accounts with a debit card which you can use outside the uk?
    • #1
    • 2nd Dec 17, 1:36 PM
    anny good basic bank accounts with a debit card which you can use outside the uk? 2nd Dec 17 at 1:36 PM
    thanks, I was thinking barclays? can anyone confirm how difficult it is to get a barclays basic account? thanks
Page 1
    • 18cc
    • By 18cc 2nd Dec 17, 2:40 PM
    • 464 Posts
    • 284 Thanks
    18cc
    • #2
    • 2nd Dec 17, 2:40 PM
    • #2
    • 2nd Dec 17, 2:40 PM
    Not sure if you would be accepted but if you want to use debit card outside the UK look at Starling Bank (apply and manage the account on the App)
    • Kim_13
    • By Kim_13 2nd Dec 17, 2:50 PM
    • 1,901 Posts
    • 2,035 Thanks
    Kim_13
    • #3
    • 2nd Dec 17, 2:50 PM
    • #3
    • 2nd Dec 17, 2:50 PM
    Would you prefer a prepaid card or a debit card?

    Basic accounts are only given to those who don't qualify for the standard account. How has your credit history been over the last 6 years, as this will determine which one you're offered.

    If you have a CIFAS marker against you, you will struggle to get anything.
    Sealed Pot 11 #520 ~ /100
    VSP 2018 #9 ~ 19.55/180.00
    CCCC 2018 #1 ~ 20.75/180.00
    • christmastime
    • By christmastime 2nd Dec 17, 3:09 PM
    • 6 Posts
    • 0 Thanks
    christmastime
    • #4
    • 2nd Dec 17, 3:09 PM
    whats a cifas marker....
    • #4
    • 2nd Dec 17, 3:09 PM
    and its pretty bad.
    • Kim_13
    • By Kim_13 2nd Dec 17, 3:47 PM
    • 1,901 Posts
    • 2,035 Thanks
    Kim_13
    • #5
    • 2nd Dec 17, 3:47 PM
    • #5
    • 2nd Dec 17, 3:47 PM
    and its pretty bad.
    Originally posted by christmastime
    It's all to do with fraud prevention. This page gives an outline: https://www.uk.equifax.com/publicsectorgateway/webapp/online-help/CIFAS.htm. Obviously not all categories would be a problem, but you can see which ones would cause a problem in terms of future applications.

    This article outlines the prepaid cards on offer: https://www.moneysavingexpert.com/credit-cards/prepaid-travel-cards

    And a section on debit cards: https://www.moneysavingexpert.com/credit-cards/travel-credit-cards#debit

    With a poor credit history you'll want to pick something that doesn't require a credit check. Basic accounts are fee free but I couldn't find anything about the use of a Barclays one outside the UK.
    Last edited by Kim_13; 02-12-2017 at 3:51 PM.
    Sealed Pot 11 #520 ~ /100
    VSP 2018 #9 ~ 19.55/180.00
    CCCC 2018 #1 ~ 20.75/180.00
    • Anthorn
    • By Anthorn 5th Dec 17, 12:26 PM
    • 3,578 Posts
    • 924 Thanks
    Anthorn
    • #6
    • 5th Dec 17, 12:26 PM
    • #6
    • 5th Dec 17, 12:26 PM
    Would you prefer a prepaid card or a debit card?

    Basic accounts are only given to those who don't qualify for the standard account. How has your credit history been over the last 6 years, as this will determine which one you're offered.

    If you have a CIFAS marker against you, you will struggle to get anything.
    Originally posted by Kim_13
    Not true: Depends of the context and the type of CIFAS registration. For example I have CIFAS protective registration which I applied myself and paid for it. What that means is that in the case of a new credit agreement extra steps will be taken to verify my identity. Probably the best protection against identity theft/fraud there is!

    "Marker" is the new MSE word of the moment!
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