open basic bank acoount

zoepaulpenny · 23/12/14 - 19:51

HI i have just moved to another area of the UK, after living there for several years
but now i want to open a basic bank account, but i have no proof of me living in the new area. as it has only been a couple of weeks..
I never had a bank account in my old area, as my partner had it in her name, and now she has died.. so how can i open an account ???

thanks in advance..

Bedlam_maid · 23/12/14 - 20:51

I think you may have a few problems until you have a couple of utility bills to prove your new address but take your passport, birth certificate, rent book, driving licence and anything else you have to prove your identity.

jackpotjackpot · 23/12/14 - 21:05

Easy.

Just apply here http://personal.natwest.com/personal/current-accounts/compare-current-accounts/basic-account.html

zoepaulpenny · 23/12/14 - 21:05

thanks, can i change a normal saving account, into a basic account ??? or am i compelled to keep it to a savings account.

jackpotjackpot · 23/12/14 - 21:53

zoepaulpenny wrote: »

thanks, can i change a normal saving account, into a basic account ??? or am i compelled to keep it to a savings account.

You will need to have both, either forget about the savings or close it down.

Either way it doesn't cost you anything so just leave it be.

Keefy-boy · 23/12/14 - 22:36

zoepaulpenny wrote: »

thanks, can i change a normal saving account, into a basic account ??? or am i compelled to keep it to a savings account.

Are you using the term 'basic' knowing what it means, or do you just mean a current account?

Gordie1 · 23/12/14 - 22:41

HSBC do a "basic" account, well it says basic, as oppose to their current account, but in reality you can pretty much anything you can with any accoun t i have ever had, pay online using your debit card, make online payments, withdraw up to £300 from an ATM, its just a current account as far as i can see.

Wolfsheadish · 24/12/14 - 01:02

Bedlam_maid wrote: »

I think you may have a few problems until you have a couple of utility bills to prove your new address but take your passport, birth certificate, rent book, driving licence and anything else you have to prove your identity.

Don't bother to take your birth certificate if it's Lloyds; they'll (literally) throw it back across the desk at you and tell you it could have been purchased anywhere for 50p

MARTYM8 · 24/12/14 - 01:14

OP - contact your council ASAP and get on the electoral register. That helps big time as a lot of banks etc do electronic verification. And register for council tax - that way you get a proof of address bill that banks will accept.

Wbc-Worker · 24/12/14 - 03:44

jackpotjackpot wrote: »

Easy.

Just apply here http://personal.natwest.com/personal/current-accounts/compare-current-accounts/basic-account.html

I had a savings account with Natwest for 15 years but they changed how the debit card worked so opened a basic account and still had to prove who I was when I saw them face to face

http://personal.natwest.com/personal/current-accounts/what-do-you-need-to-open-a-current-account/Proof-of-address-we-accept.html

I showed my passport and Council Tax bill and they still asked for another document so showed my full photocard UK driving licence as well so they are far stricter than they used to be.

Hut27 · 24/12/14 - 07:01

I, only recently tried to open a savings account at PostOffice thinking it would be local and handy for access both for small deposits and withdrawals, How wrong was I, minimum deposit to open account £500 and if account falls below £500 it is closed.

How is that going to encourage small savers??.

gdjman68wasdigi · 24/12/14 - 07:04

Maybe just approach a bank and ask what their criteria is??

That way you will know for sure

TelevisionUser · 24/12/14 - 17:21

There are a number of different basic bank accounts available [see https://www.google.co.uk/url?sa=t&rct=j&q=&esrc=s&source=web&cd=1&ved=0CEIQFjAA&url=https%3A%2F%2Fwww.moneyadviceservice.org.uk%2Ffiles%2Ffinal-basic-bank-accounts---december-2011.pdf&ei=7_SaVLylA8P5UNKMgOgK&usg=AFQjCNH1HXZSpcgfRFwTdUd9sFZ2ZiZ2KQ&bvm=bv.82001339,d.d24] and I'd suggest going for one with a debit card. Once you've narrowed own the choice, l'd suggest looking in detail at their ID requirements.

zoepaulpenny · 25/12/14 - 21:23

TelevisionUser wrote: »

There are a number of different basic bank accounts available [see https://www.google.co.uk/url?sa=t&rct=j&q=&esrc=s&source=web&cd=1&ved=0CEIQFjAA&url=https%3A%2F%2Fwww.moneyadviceservice.org.uk%2Ffiles%2Ffinal-basic-bank-accounts---december-2011.pdf&ei=7_SaVLylA8P5UNKMgOgK&usg=AFQjCNH1HXZSpcgfRFwTdUd9sFZ2ZiZ2KQ&bvm=bv.82001339,d.d24] and I'd suggest going for one with a debit card. Once you've narrowed own the choice, l'd suggest looking in detail at their ID requirements.

thanks and to all other reply,s

Danny_Silver · 25/12/14 - 22:01

Gordie1 wrote: »

HSBC do a "basic" account, well it says basic, as oppose to their current account, but in reality you can pretty much anything you can with any accoun t i have ever had, pay online using your debit card, make online payments, withdraw up to £300 from an ATM, its just a current account as far as i can see.

You cannot pay online using a basic account and you cannot use a basic account on any other back ATMs, you can only use the a basic account card with the bank you are with.

doug35 · 26/12/14 - 07:16

Danny_Silver wrote: »

You cannot pay online using a basic account and you cannot use a basic account on any other back ATMs, you can only use the a basic account card with the bank you are with.

Thats now wrong.natwest now allow you to use any atm also i have payed online with my basic account natwest card. It doesnt have a cheque book or overdraft tho.

lem ramsay · 28/12/14 - 02:01

Danny_Silver wrote: »

You cannot pay online using a basic account and you cannot use a basic account on any other back ATMs, you can only use the a basic account card with the bank you are with.

That's wrong. I've had a basic account with Lloyds for a couple of years now and it came with a debit card that is perfectly usable online. Now I can even take out cash from any ATMs.

Gordie1 · 28/12/14 - 21:46

Danny_Silver wrote: »

You cannot pay online using a basic account and you cannot use a basic account on any other back ATMs, you can only use the a basic account card with the bank you are with.

Totally wrong, you can pay online, you can use them at any link ATM, its just like any other account really.

[Deleted User] · 29/12/14 - 13:52

Danny_Silver wrote: »

You cannot pay online using a basic account and you cannot use a basic account on any other back ATMs, you can only use the a basic account card with the bank you are with.

wrong

Hey there!

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open basic bank acoount

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