I have been a customer of First Direct for over 20 years and always had accounts in my maiden name, used for personal expenses and earnings, and married name, used for all family expenditure, household bills etc. They've now been in touch to say I can't have two accounts in different names any more because they are tightening up on security. They want me to choose one of the names, and they will then close the other account. I have documents and accounts in both names, and changing to either of them will involve and enormous amount of hassle. My main ID docs - passport and driving licence - are both in married name, but if push came to shove I would opt to use maiden name only, as that's the one most people know me by. I also find that I am very reluctant to let go of either name, for emotional reasons. I really want to carry on banking in both names, but if I can only hold a bank account in one of them, I think the amount of use I give to the other will dwindle. Anyone else got this problem, or can suggest a solution?
This is probably about money laundering security and will have something to do with FD giving you a unique CIN to identify you, they are probably now having to have one CIN per customer and cant link it to two different names in their security systems to show you are one and the same person IYSWIM. It's probably tightening security to stop people opening accounts, in multiple identities, for fraudulent purposes. If you have ID for both names you should be able to open an account in your maiden name at a different banking institution but, tbh, if FD are now tightening security in this way the rest will probably follow so you can probably no longer (or very soon) have two accounts in different names at the same bank.