Forum

Re: Nine UK banks launch fee-free accounts
 

Generally if you are on the electoral role and have good history at your current address banks these days don't ask for many documents.

Re: Nine UK banks launch fee-free accounts
 

i opened a santander account fine and have never banked with them nor had to show any kind of ID, same for my girlfriend too.

Re: Nine UK banks launch fee-free accounts
 

I just walked in and asked if they could do it and how much and the girl said £5 and she phoned through to check if someone was available to sign it, which there was.

She copied the passport and the guy appeared, looked at my passport and the copies, stamped and signed them and gave them back to the girl. I paid her a tenner for two copies, She gave me a receipt and even put them in an envelope!

Re: Nine UK banks launch fee-free accounts
 

Were these basic accounts?

Re: Nine UK banks launch fee-free accounts
 

both everyday current accounts with debit cards

Re: Nine UK banks launch fee-free accounts
 

Consider Coventry building society I have 4 current accounts with them.
They are not as sophisticated as the big banks but work fine for me.

Re: Nine UK banks launch fee-free accounts
 

IMPORTANT NOTICE.....

COVENTRY DO NOT ACCEPT MIS-MATCHED NAMES.

Just had a letter a few days ago telling me it wasn't in their t&c's etc.

Re: Nine UK banks launch fee-free accounts
 

Just a little update on this.....

I phoned the number on the letter, as they wanted an explanation to the situation. I thought it would be them just telling me accounts were being closed.

However thought I would try a blag, said the different names were because I set up different ebay/pp's for each product line I sell.....but I AM the person who the money goes to, and am not operating accounts on others behalf.

Lo and behold the operator says that it's fine, she will just put a note on the screen, no problem.

SO it SEEMS the official company line is they don't allow it. However if you call up when asked and can blag well, then they will mark it down as OK. I do feel however that it is COMPLETELY down to the luck of the draw as to what CSA operator you get to the outcome of your call. I waited until very late in the day on the eve of a double bank holiday weekend before calling to try and use as much in my favour as I could and make the most of the 'feel good factor'.

So, not sure if I can recommend Coventry BS, the CSA's seem nice enough. I would feel realllllllllyyyyy nervous after this using these accounts to shift decent money. What I will do is slowly build up a balance to keep in them so it at least appears I am using them partly as a 'savings' account.

So the moral to this story is? .....well I guess you roll the dice and take your chances this one. I just wanted to put some info out so people are better informed than I was before I opened a fistful of accounts with them so they can make a more informed choice.

Re: Nine UK banks launch fee-free accounts
 

works for me

Re: Nine UK banks launch fee-free accounts
 

Yes, I am impressed your 4 Current Accounts from the Coventry are not closed.

......but then, they don't do Current Accounts so maybe that is why.:rolleyes:

Re: Nine UK banks launch fee-free accounts
 

Was no going to reply. Howeverm Halifax took 10K and after 2 mths refunded. Off the record the sub-manager informed me that, though they should not act on PayPal, PalPal told Halifax to lock the account. This was against the DP Act and Halifax knew it and released but back room chat is accepted by Halifax and you need to stay clear of these thieves.
I had to threaten them with The BO and FO for them to relent.

Re: Nine UK banks launch fee-free accounts
 

Nationwide isnt a bank, its a building society and Ive been with them for years and it's always been free :)

Re: Nine UK banks launch fee-free accounts
 

Hello
How about a metro bank account, is that good?

Re: Nine UK banks launch fee-free accounts
 

Take them to the FO standard compensation is about £75 to start.

in fact ring the FO they raise the complaint to Halifax who have i think 30 days to give a final answer which usually includes we are sorry here is £75. If after their final answer you are still not happy ask the FO to investigate. That investigation will cost Halifax £550 whatever the outcome and nothing to you. If The FO find in your favour they will instruct Halifax to pay you compensation.

I took Halifax to FO for a car insurance claim twice. They sent me £75 for both complaints one at the beginning and one at the end. The insurance premium was only £85 after cashback.

You have nothing to lose an its only a phone call to the FO.

Look on the FO website for previous findings against Halifax and see what they had to pay out and why they had to pay it

Re: Nine UK banks launch fee-free accounts
 

Would it be possible to open any of these accounts if I'm a UK citizen living abroad? I see Santander bank requires you to post identification documents by post and then they send your account details to you by post. This is not possible for me as I'm living abroad. Any suggestions?

Re: Nine UK banks launch fee-free accounts
 

what country are you in ?

Re: Nine UK banks launch fee-free accounts
 

Best guys to ask are the bank themselves

They will be able to tell you exactly what they need form you

Re: Nine UK banks launch fee-free accounts
 

I'm in France.

Re: Nine UK banks launch fee-free accounts
 

Realdeals if u were a fly I would squash you x:focus:

Re: Nine UK banks launch fee-free accounts
 

Cash minder is very solid

Re: Nine UK banks launch fee-free accounts
 

Thank you for your intellectual input, although I have no idea why you are quoting someone else when you were not part of the converstation.:nerd:

Maybe you miss Callidus? He doesn't seem as active since he had a rush of negatives on the accounts he sold? Which would back up my thoughts on certain account sellers motives to be on here in the first place, and it isn't to help people. Don't worry though I am sure if you looked hard enough you may find he is still on the forum selling accounts under a different name now. ;)

Re: Nine UK banks launch fee-free accounts
 

I have lost a few bank accounts in the past they are tightening security because of money laundering rules and some may of been my own fault or not and I just move on and get another account it's not hard as I have several

Re: Nine UK banks launch fee-free accounts
 

It will be hard.....make that near impossible.......if eventually you ever get tagged by CIFAS.:violin:

Re: Nine UK banks launch fee-free accounts
 

I understand about CIFAS and have a backup plan it I ever join them

Re: Nine UK banks launch fee-free accounts
 

Really you want to just avoid getting a CIFAS.

Re: Nine UK banks launch fee-free accounts
 

Yes CIFAS is only handy when the banks collapse they can't take your money because it's in a biscuit tin under the bed

Re: Nine UK banks launch fee-free accounts
 

stevebills either can't or won't understand cifas.

don't bother trying.

That makes no sense...

Re: Nine UK banks launch fee-free accounts
 

CIFAS = Credit Industry Fraud Avoidance System

It has nothing to do with safe guarding your money if a bank collapses.

Re: Nine UK banks launch fee-free accounts
 

What gibberish is this?

Always wanted to use that word in a post. Never found the right moment, thank you stevebills, I knew you wouldn't let me down.:uk:

Re: Nine UK banks launch fee-free accounts
 

What ever pongy pants :juggle:

Re: Nine UK banks launch fee-free accounts
 

Cifas Is a database for fraudsters and stops you from opening bank accounts
And the banks are the biggest robbing *******s with the fat cat pay outs
And the PPI scam it's a joke

Re: Nine UK banks launch fee-free accounts
 

Is your wife that ugly u have to take it out on everyone else on here?
Just chill instead :brushteeth:

Brilliant.

Re: Nine UK banks launch fee-free accounts
 

New-ish member here, greetings.

Just opened a Basic Account with Santander. Never banked with them before (my personal account is with Lloyds so keep that entirely separate) but they are efficient if nothing else.

I received the cash card, top-up debit card and letters with the temporary pins etc quickly but I made a balls-up with entering them in the system. Phoned them and they were extremely helpful and are sending out new temp pins for me to get going.

I didn't have to supply any docs/proofs at all. Everything done online (except correcting my cock-up).

As Lombok says, there are 2 account numbers floating around so will try depositing to both in due course and see what happens. Looks promising.

Re: Nine UK banks launch fee-free accounts
 

I also opened the Santander basic and am using both the account numbers attached to the account and have received payments from paypal on both now so it all seems to be working well. Easy to open savers online with them also and these work equally well too.:thumb:

Re: Nine UK banks launch fee-free accounts
 

Banks need to get open online access for foreigners...

Re: Nine UK banks launch fee-free accounts
 

iGNORE THIS ADVICE FROM ME PREVIOUSLY !!!

THEY DO NOT LIKE MISMATCHED NAMES

Re: Nine UK banks launch fee-free accounts
 

my accounts have been flagged

they do not like mismatched names

Re: Nine UK banks launch fee-free accounts
 

Anyone tried the NW FlexBasic ?

works with PP and mismatched names ?