this isn't an AIBU i'm just being cheeky and need a quick answer!!! sorry this is in wrong place :S

[BabbityRabbity]

i want to open a bank account, i havent had one for 2 years, havent got good credit rating had bout £1000 debt between 2 cards (one debit one credit) but at present i sort of dont exist lol everything is in DPs name child benefit etc, i really want to have my own account, so i can put child benefit in my name.
i have really low confidence and dont want to walk into a bank to be turned down.

does anyone know if a bank/building society etc would accept me and what bank to go with?

also can i do it all online??

big thankyou for reading this when its posted in the wrong place :)

xxx

I think you can do it all online these days.

try firstdirect or smile - both online banking

All of them will, you can get a basic account. Barclays are OK, as is the co-op. I don't think that you can do this online as they need to see some ID (birth certificate and utility bills sort of things)

You don't need a quick answer for this. But as I have read it anyway...

Most banks will let you open a current account, credit status does not feature if you are not after a loan or overdraft. You can't open a bank account online, you need to present ID. Go into any bank with your passport/photo driving license and proof of address, they should be able to sort you out.

Now get back to the financial forum or wherever you should be!

The Post Office has an account for people who are 'off the radar', so benefits can be paid via the account instead of through giros.

do it online...natwest have a step account,good for re builing credit

I had this moving back from abroad - lost passport and no driving licence meant no photo ID so a non person. Britannia building soc worked for me and then transfer to Co-op.

If you have nothing, the post office do a "card" account, meant for people who have no other account to receive benefits. A couple of others do "basic" accounts but if you truly have no ID then the post office is all you'll find on the high street.

Online banking = no ID does it? That would have saved me some time

Ah, x posted. Didn't think it would

yes you can do it online. i bank with Smile and they've always been great

i don't know much about this kind of stuff admittedly, but i can't see why bad credit would stop you getting a regular bank account.
so i don't think anyone would turn you down

Natwests step account is brilliant, easy online banking.

thanks guys but i have hit a problem , my passport is a year out of date, i dont have my name on anything even utility bills, i think its on child tax tho is that acceptable? or tennancy agreement? and i have a birth cert,

thankyou thankyou thankyou again! and another really big sorry for posting it on here! im using my dads laptop and havent got much time thats why i need the quick answer!! REALLY SORRY :)

i'm pretty certain i did my smile account online, ebcause they don't have any branches!!!

i may have had to send off passport or something though? i can't remmeber, but you can def do it online

I recently opened a basic lloyds tsb current account online with no problem at all. No evidence of id was asked for. HTH

here you go

gonna have a go now!! wish me luck :)

how did you get on?

I work with a lot of clients in this kind of situation and apparently The Co - op will let you open a basic account (no debit card just a cash card, no overdraft e.t.c.) with minimal I.D. and you could also try the Post Office. Hope this helps, good luck!

po is best bet,you need to avoid accounts that ask for minimum monthly credits