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Original poster

Bank accounts in different names question

11 replies

Crotchety · 12/06/2007 18:43

This may be a silly question. Can you have two accounts with the same bank in different names ie maiden name for one and married name for the other (joint) one?

OP posts:
DominiConnor · 12/06/2007 18:54

I don't see why not, since presumably you have proof of IT for both names.

ruddynorah · 12/06/2007 18:55

where i used to work no you couldn't. you have one ID with the bank which would be changed if you asked for it to be changed, so you couldn;t specify different names for deifferent accounts. you could however, open a new account at another bank in any name you have ID for.

ruddynorah · 12/06/2007 18:57

did that make any sense at all?!

imagine one computer screan for each person who banks at that bank. they change their name, so their screen is changed. you couldn;t then have a new screen for the same person but with a different name. one screen per person.

Tinker · 12/06/2007 18:59

Could you have both in one name but one account "to be known as..."? What do people do who have a different professional name?

Original poster
Crotchety · 12/06/2007 19:11

OK well to be specific I did have an account in my maiden name and another joint account in the married name for 9 years without the bank saying a dicky bird and then last week when I tried to open an ISA they said it was tantamount to fraudulent activity and I should never been allowed to get away with it - they seemed quite stroppy actually, as if I had been trying it on. And yes, it seemed to be that they can only have one name for you on the system. So now I am having to change quite a few things over which is a nuisance as they had apparently not had a problem with it all these years. Just wondered if it was right.

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fryalot · 12/06/2007 19:13

I changed my name quite recently, so I told the bank about the name change, and they sent me a form, which I filled in, and sent back, and they duly sent me debit cards, cheque books, paying in books etc. in my new name.

I then thought that I may get a cheque or something in my previous name, so asked them if I could keep an account in that name, just in case, and they said no, it has to be one name or the other.

Doesn't matter what the name is, they didn't want proof (eg: marriage certificate) but I was only allowed one.

jofeb04 · 12/06/2007 19:20

I had an account in my maiden name that as my account only. Got married, and altered mysurname on our joint account. My own account was kept as my maiden name for abut three years, and this was after asking the bank to change my surname!!

SueW · 12/06/2007 19:43

Stupid, stupid, stupid.

If a bank can't get that this is not fraudulent, they are stupid.

I once knew someone who was going through a sex change thing; he had cards in his male and female names.

That was before 9/11 though and the Blair government. Now everyone's a terrorist until proven otherwise.

CarGirl · 12/06/2007 19:48

No you can't, it's to do with money laundering blah blah blah - just been through all of this. You have to accounts all in the same name but just take in your marriage certificate to bank cheques that are in the other name to your account.

CarGirl · 12/06/2007 19:49

Could also be used for tax evasion......endless possibilities to abuse it really.

Original poster
Crotchety · 12/06/2007 19:52

Well I don't really know how to go about money laundering, but as was said earlier, presumably I could go to another bak and have another account in whatever name I had ID for? And presumably that would be just as suspicious looking to the authorities?

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