Help! Student daughter can't open a bank account

[nakedscientistOfThigh]

I would be so grateful for advice. DD needs to open a normal student account and she can't.
Last year DD tried to open a HSBC account. It was declined due to the fact that her proof of address (her childhood home) wasn't accepted. (she now has a provisional licence) DH had her put onto the water bill but they said her name was in the wrong place, i.e. not first. They declined her application. They told her to try again three months later which she did and now has been declined again by HSBC and most recently by Santander.
She has done nothing wrong. She owes no money and has never defaulted on anything. Our address is clear and we have been here 25 years, DH and I have excellent credit ratings, no problems with getting credit cards, loans, contracts etc.
DD has done one year of uni with a Monzo card and has a job in the holidays.
She has run Experian and it simply says there is not enough information to give her a rating.
Can anyone help?

I am worried about attempting to apply for yet another account and being declined because each time you are declined you get a negative credit rating. It is harder to get a normal account than a student one anyway.

Is she on the electoral roll?

This may be the problem

Yes wrong I think you are right!!!!

Thank lily she has had a passport from birth! I had no problems with older DD so I obviously didn't think it would be an issue this tome around. She seems to be stuck in a loop and we need to get out of it somehow

Mil yes gun license! The problem is that HSBC processed and declined rather that just stopped the process. This has damaged her credit rating somehow. We can't see it though because Experian just says ' no information '
It seems mad because she has a mozo account and a job!

Did you actually go into a branch or try online. DS couldn't get a student account on line, but we went into the branch with id (no utility bill) and UCAS letter.

Thanks boom

Could be no landline phone number, not long at address, no prev bank account or credit history but we never know really. We can't override the system decision tho

They seemed to think it was the address that was the problem but she was born in the same house! She obviously doesn't pay the bills so they advised us to put her onto a bill. Then they said her name was in the wrong place.
How to get out of the loop though?

She went in twice to HSBC having waited a week or so for each appointment. That's when she was first declined. They said try again in 3 months. So she got a licence and tried again online. Declined. She then waited another 3 months and was declined. She completed her first year and has now just been declined on line by Santander

It was Santander we couldn't do online. No problem in branch with passport, provisional driving licence and UCAS. I had his birth certificate in my bag just in case (although I an't remember if they used it).

I’d seriously consider asking to see a manager at HSBC and get them to explain and potentially undo (if possible) the damage they may have caused to her credit rating. If they made a mistake first time around that may be why Santander have declined and possibly why HSBC have the second time around. Like the others I just had to take in my UCAS info and a driving license. Good luck.

Try Co- op/Smile for banking?
I can't see what is wrong with the documents she has provided, but have had quite a lot of run-ins with HSBC when dealing with a POA account I am named on.

About 16m ago... 14yo DS had a long-existing child's account with Santander. We wanted to transition this into a student/young adult account (to get cash card).
Santander demanded his passport. There was literally no other way to get Santander to let him have the next stage account. So DS's passport got renewed . £60.

~1yr earlier DD had opened the same type of account (with Santander) that DS wanted, but using just paper documents, iirc.

The forces that be are making all this difficult, agree!

Try Monzo

100% electoral roll will make the difference, for her experient account at least!

It's not harder to get a normal current account than a student account at all. A student account is subject to approval (for a reason) whereas normal current accounts with basic features are not as long as you have all the ID needed. The only benefit of a student account over a normal account is the offer (usually a fee free overdraft). Her not being on the electoral roll or having any previous accounts will likely have affected it as an overdraft is credit. It's shocking that she is an adult and has never had a bank account! She can get a normal current account at any bank and she will not get declined. Even people with lots of debt and in bankruptcy can get some sort of current account, otherwise they can't get paid or pay things out.

Just saw you mentioned monzo - A monzo account is a bank account, so what's the problem? Why does she need a second account?

She may want a fee free overdraft.

This happened to me years ago, I remember the frustrations I ended up with Lloyd's in the end with a very limited type of account but when I soon switched over to a normal account with a different bank when i got a part time job. This is why I've opened normal bank accounts for my children. There is less than a fiver in each one, but at least they have one already set up for when they get a job.

Wibblewobble99- unless there was an error in the actual processing, we won't remove anything. Why would we? Consent was given to run an application. We can't remove it just because the result wasn't positive! We always recommend waiting at least three months between applications.

I'm surprised that she's never had a bank account or registered to vote. My kids all got bank accounts when they started secondary so that they could learn how to budget. My son's not physically gone to a polling station but was amused to receive a voting card in the post,

Have you thought about putting her mobile phone in her name next time she renews her contract? Ds got a contract when he turned 18 and been paying it for 6 months. His credit rating is good according to Experian. He currently works part-time.

Getting DS2 a student bank account turned into a right "computer says no" saga.

Most of the student bank accounts weren't available to under 18s for a start (we're in Scotland, lots of uni students are 17!)
His passport had expired.
The letter confirming his place from the uni was more than three months old (unconditional offer made early).
He didn't have a drivers license (again only 17 hadn't had time or funds for driving lessons).
He eventually had to get a non student, young persons account with the Nationwide who were the most helpful/commonsense about the whole thing, but there were several false starts, online and in branch , along the way and it was expensive and time consuming!
He was supposed to transfer over to a student account but i don't think he has bothered, must remind him.
I'd recommend the Nationwide, their staff seemed better trained and more pro-active than the others I experienced.

If you get a basic account with no overdraft then it's not harder than a student account. I would get one of those and build her a credit score. Get her on the electoral register too. I believe that they check it during a credit check.

My two DSs have just opened student accounts with Santander. One ds is in 2nd year. All they were required to upload was their ucas or uni confirmation. However, they were transferring an already existing rbs current account so I think that made a difference. I'd definitely try to get into a branch of somewhere. Preferably somewhere she has already tried tbh as it might be easier to understand and meet their criteria than constantly trying elsewhere after having been turned down.

I'm confused, I had a bank account pre-uni so shouldn't be able to get one regardless of being a student?