Yes to both of those questions. You could just tell them that you need a few more accounts for to keep your money separate, if they asked you why.
You actually have somewhat of an "advantage" for now, which is that you don't have to worry about credit checks and such for now, since you will always be offered the "basic" (not implicitly basic like for the over 18s, but effectively they will be identical for you) account. When you get to 18 and need to open more "basic" accounts (which are always better than current accounts when you intend to open multiple), you could use the same excuse as I do these days, which is that you always get rejected for business/full current accounts so only want a basic account with no credit check or score, in order to not drive your credit history any further into the ground. I invented this one myself as it was the truth by the way, and it stopped them right in their tracks when they intended to market their "higher end" accounts to me.
Do you ask about Nationwide because you already have an account with them? They lost me as a customer, the day that they held my money ransom because I didn't bring my card, even though I had my passport and bank statement with me...
Last edited by Elijah; 06-05-2012 at 02:38 PM.
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