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How to get a bank account without a credit check
 

Just ran into a problem.

Opened a bank account that ran a credit check.

Then tried to open a second account online through another bank where I have an account and have had it for a couple of year that was knocked back as they ran a credit check and seen the red mark from the other banks credit check.

So tried to open an account in partners name online for the first bank I mention and again knocked back due to credit check again seeing the stupid red mark from the first account I mentioned.

Just as you seem to be opening them at will I was wondering what was the secret, or was I doing something wrong?

'Credit check?' There's always a credit check done but it usually does not effect the outcome. These ones are called 'soft' checks and are just a note, rarely should be grounds to decline setting an account.

PM coming to get to the bottom of this :spy:

Try NatWest basic account. You can open on line or in branch, as it's a basic account they aren't too fussy about credit score - they do cheeck but just to confirm you are who you say they are. You don't get a debit card just a cash card.
They asked me why I only wanted a basic account - I just told them it's where I wanted my benefits paid into - stops them point blank in trying to upgrade to another of their accounts which require a further checks.
They will probably ask for proof of address etc.

Netwest cash card account or Nationwide cash card or santender cash card all will work for you

Yeah sorted it, I think.

The co-op sent an offer for the basic current account.

Still waiting to see what is causing the problems with this credit check though, they are sending me a letter, which is part of the sign up you have to do.

you need to get a building society account.. they dont do c/c

Yes they do

...yes exactly. I would recommend trying basic current accounts.

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