How to get a bank account without a credit check

[isitworththestress]

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?

[GreenBean]

'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

[kathemmi]

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.

[aslam]

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

[isitworththestress]

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.

[DHMC]

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

[GrannyT]

Originally Posted by DHMC

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

Yes they do

[ShadyOne]

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

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