Forum

prepaid bank account questions & Co-OP bank & current accounts
 

hey guys

tried to open a bank account today and was refused and now i need to go on the prepaid option

can someone tell me the cheapest and best instant online prepaid bank i could use for paypal payments

Best bet would be to go into your bank and ask for a basic accounts. I also use smile a lot myself, but it does take a few days to set up.

i have been refused basic accounts today cannot get any more

i need to go prepaid you know of any that would work

Refused a basic account? Not heard of that before truth be told.

Card One Banking used to be ok, but now it seems to have stopped being good.

As I mentioned, I use smile myself, never had any issues.

If you have any bank accounts at the moment, maybe worth talking to the bank to see if you can open a second with them

does smile banking charge is it prepaid ?

also i have 10 basic accounts all blocked on ebay and everything cant get my 11th one

I use the instant savings account. Has its downsides, but I have generally not had any issues with them.

10 accounts all blocked? You may first want to re-evaluate the way in which you stealth. Over what period of time did they all get blocked?

smile.co.uk - the internet bank


Avoid applying for more bank accounts if you are getting refused

You have to be careful with your actions or your credit score will be affected

Redo that business plan if your accounts are blocked

and can you tell me smiles ts and cs do they charge monthly

can i withdraw for free etc


when i say refused im not being refused in person but this always comes up


We're Sorry
Unfortunately, we were unable to verify your identity online.

which account would you strongly advise for smile

No they don't, yes you can. For the rest of the T&C go on the website and have a read. But before you start opening more accounts you need to work out why you are getting so many limited accounts. I only loose one or two a year, so to have 10 lost, unless you have been stealthing for 3 or 4 years, is high.

As GB says, you may want to also bear in mind your credit score.

Read the link for yourself about smiley

Are you using your own real ID to create bank accounts? That is the only way

i mean over the years my 10 accounts have all been used for something never been blocked by stealth but my basic accounts opening habbit is high on the system and banks are seeing that

shall i apply for a current account on smile ?

Bare with me for a minute here.

So you have 10 basic accounts, none of which have ever been blocked by PP.

Why not use one of them in that case?

Are you trying to open basic accounts using stealth info? If so that is a massive massive mistake as that is fraudulent. You have to use your own ID to open a UK bank account

no all my old bank accounts i have opened i have used on ebay for sellers accounts with paypal and paypal know about them all


i have only been banned from paypal once

i opening up a bank account with real info

all 10 accounts have been used with paypal over the years as i run mutliple online businesses now i want to open another and need to purchase a ebay account from someone on here

but i need to open a bank account

You are not making sense

Are these basic accounts attached to PayPal accounts?

In other words you have suspended eBay/ PayPal accounts?

Right, I am with you. In that case I would apply for a Smile Instant Savings account. So long as you know how to stealth, you will have no issue with that. It does take a few days to open, and the on-line interface leaves a lot to be desired, but it does the job nicely.

can i withdraw using atm with that account ?

for free ?

READ the site yourself

Make sure you understand what to do

:brushteeth:

Have a read on the website. All the information is on there.

I transfer all my money from my smile accounts once a week to my main business account, so have never used the card that comes with the account

so there just a online bank account you then have to transfer the money to a realy account ??

so it would have to go from


customer to paypal
paypal to smile
smile to one of my existing bank account
walk to atm and its in my hand ?

Reread what I said. The account comes with a card, so you can get cash out with it, I never have however because I transfer all my money to a different account.

o ok im stuck on this page




**** there are errors on this page ****

previous address

enter a house name only if it is part of your registered postal address
at least one of the first 3 boxes must be completed

lol i have entered the house number still stuck

im still stuckk on signing up to these guys it keeps coming back with error on this page and wont tell me what error

Maybe Fate is telling you to not use smiley?

Sighs.

Clear your cache, cookies, sign off the internet. Sign in and try the site again. You could try another browser.

OR try their call centre. Used to be open 24/7

:juggle:

talk to us

They outline specially what to do with the issues you are describing.

:peace:

well if i go back one step and put 8 years living at current address it skips the page im stuck on and gos to next

but i have lived here for 7 months

which is why im on previous address which is were my problem lies

god knows why

shouldi just lie about this current address ?

You can not do that sensibly with a bank application.

This is starting to sound well dodgy

:nono:

now on the bloody fone to em complaining:bored:

co op smart savers account
 

how is co ops savers acccount i got one today any good for stealth ?:brushteeth:

Just applied for a co op current account and had confirmation but waiting on descision from co op but the woman on the fone signed. Me up for a savers account and i even asked her about difgerent names paying in she said thats fine u will be able to.use paypal only to withdraw but not to add funds so when se said ur sucessfull.we will send it through the post later that night i applied for a current account with co op

Am i onto a winner?

Current account should be fine.

and what about the co ops savings account ?

Savers have worked but rarely but will need to add direct debit to it

So did you apply for 2 co op current accounts? Or you applies for a current account, and she signed you up to a savings account and you have now applied for a current account?

You need to take more time in apply for accounts. Don't go mad, wait weeks if not months between apply for accounts. Works much better in the long run.

3 options for bank accounts which one do i choose
 

I applied for 3 different accounts and been accepted for all but have to send off proof of id and address

I would like to proceed with one account for stealth

Natwest current account
Co op super savers account
Co op current account

Which one would be easiest for stealth

1 or 3 will be fine.

Agree with Ebayorbust

1 or 3 work for stealth.

Keep a watch on your credit score though.

You were speaking of issues earlier in the thread.

Make sure you have them resolved.

I never really got refused a account they all wanted more information before they could say yes or no i just took that as a refusal but natwest say yes but we need more info and so have co op savers