i have no credit at all and need to open a bank account in uk.any ideas?

Answer 1

What does your credit have to do with opening a bank account?
Go to the bank with your money, give the bank associate your information (opening a checking or savings account) and they will make out the neccesary paperork, you sign them and you are set.

Answer 2

a few of the banks do a basic bank acount for people with poor credit histories. lloyds tsb is a good one. you will need proof of address and photo i.d, ie passport or driving licence. you cannot go overdrawn or have loans etc, but you can have your wages paid into the a/c and set up standing orders etc. you will also have a cash point card, but not a switch or credit card. when you have run this account for a while you will then be able to apply for a current a/c with all of the benefits that go with it.
if you need an account for benefits to be paid into you can have a post office account that is just for this, you cannot go overdrawn or have wages paid in, but its a good secure place to have your money and easy to withdrwl form thousands of p/offices.

Answer 3

Why do you need credit to open an account, unless you're planning on taking out a loan.
If you don't have credit because you're young and have just not begun to have one yet, then borrow and pay back on time and you'll develop good credit.
If you don't have credit because your credit is bad, then you shouldn't be going under any more debt.

Answer 4

You have no credit or bad credit?
A credit history is not required. You may not get overdraft protection or a credit card right away.
Everyone starts life with no credit history and most everyone gets a bank account.

Answer 5

you should have talked to him about it in the previous you probably did it. truly because of your music list. He had the monetary agency account set up the way it truly is for a reason. He manages the money and once you get better than one account in line with abode carry issues can get tousled plenty less complicated. So, it is going make what he does significantly better sturdy. no longer to point if you're making mistakes like you probably did in the previous he will likely finally end up being the only identifying to purchase them. also, i imagine that once they see that you reside interior the same abode carry it ought to debris which includes his credit. i'm no longer particular about that even though it style of sounds like I truly have heard something like that. So, you definentely must have talked to him in the previous the very truth. i'd be mad too if i changed into in his position. also, i do not comprehend once you've your own funds or no longer to position on your monetary agency account and in course of the mastercard yet i'm guessing that because you're a stay at abode mom you likely do no longer have any funds of your own or a source of income which signifies that your husband is meant to provide the money to you and he likely talked about that too. seeing that he looks after the funds you likely do no longer understand each and every of the expenditures and stuff he has to pay. He may no longer have funds to assist your debts. that's the reason you had to communicate over with him in the previous you probably did it. i imagine that you probably did not tell him till when you probably did it because you knew he may say no. We merely have one monetary agency account and it truly is in my husband's call. we do no longer have a stunning deal of money yet we've sufficient to get by. He reported that it truly is less complicated to attend to issues this way. He also informed me that down the even as the funds are better effective that i visit maximum likely be positioned on the monetary agency and mastercard account. i visit claim although that your husband would have manage issues slightly better rationally yet he definentely had reason to be indignant.

Answer 6

go into a bank and ask to open one. to open a bank account you need identification, not credit

Answer 7

www.surefirefinance.co.uk can provide non-status bank accounts, credit cards, loans, mortgages etc.

Answer 8

you would probably be best getting a building society account or post office account. thats what my mum had to do when she went bankrupt.

Answer 9

You dont need credit, you just need proof of ID (passport etc) and proof of address (bill, lease etc)

Answer 10

you can have a basic account and not have any credit and rebuild from that